reluctant consent to the measure that virtually destroyed the bicameral system in England. This profound constitutional change, that practically makes England a representative democracy pure and simple, was unaccompanied by any of those popular and spectacular demonstrations one naturally expects to see on such occasions. The debate in both houses rarely touched the pinnacle of excitement, its fervor was partisan rather than patriotic.[36] In 1832, when the hereditary peers stood in the way of the Reform Bill, which had passed the Commons by only one majority, the populace rose _en masse_, surged through the streets of the capital, and threatened the King and his Iron Duke,--whose statue now adorns every available square in the city,--and made it known that their wishes must be respected. To-day the people, secure in the knowledge of their supremacy, scarcely notice the efforts of the opposition, in its attempts to bolster the falling walls of hereditary prerogative in representative government. So far has England assumed the air of democracy. The third piece of legislation, to which allusion has been made, indicates the direction that this democracy is taking. It is the Insurance Bill, also introduced by Lloyd George, and passed in December, 1911. It insures the working population against "sickness and breakdown." It is planned to follow up the law with insurance against non-employment. The law is of especial interest to Americans, because it adapts the principle of the German system to the Anglo-Saxon's traditional aversion to state bureaucracy. It commands a compulsory contribution from employer and employee, supplemented by state grants. These funds are not administered by the state, but by "Friendly Societies" (insurance orders organized by the unions) and other benevolent organizations of workingmen now in existence. These are democratic, voluntary organizations. Where no such organizations exist, the post-office administers the fund. The keynote of this law is the prevention of invalidity. Its details are largely based upon the reports of the Royal Poor Law Commissioners, 1905-9. The commission made two voluminous reports; Mrs. Sidney Webb, a member of the commission, prepared the minority report.[37] The Labor Party, in all of these measures, voted with the Liberals. The Insurance Bill was denounced by the most radical Laborites on the ground that labor was charged with contributing to the fund, and that the bill was inadequate. But the majority of the delegation voted for the measure. VII