We have enumerated in detail some of the more important objective and subjective causes of poverty and dependence in order that the student may see that such causes are very complex, and, as we have already said, there rarely exists a dependent family in which three or more of these causes are not found to be active. Certain questions arise from such a brief presentation as this which we may mention but cannot hope adequately to deal with. Such, for example, is the question whether the subjective causes of poverty can all be reduced to objective causes. In our opinion this cannot be done, because the subjective causes have their roots in biological and psychological conditions, which cannot be attributed directly to causes in the environment. No doubt, however, many of the subjective causes of poverty are characteristics which have been acquired by individuals from the influence of their environment. When we attribute a certain per cent of poverty to intemperance, for example, it is probable that that particular personal defect may be ascribed almost wholly to the environment. On the other hand, there are other personal defects, such as sickness, vice, and mental deficiency, that cannot always with certainty be traced to environmental factors. It is safest to conclude that while personality is built up largely out of social influences, society is, on the other hand, also rooted in human nature, so that both objective and subjective causes combine to produce practically all social phenomena, and especially the phenomena of poverty and dependence. It is unscientific, therefore, to disregard either the subjective or the objective causes of poverty. Another question which is frequently raised in connection with poverty or dependence is, whether it is due to misconduct or misfortune. This question really has not much meaning in it when it is analyzed. As we have already seen in practically every case of poverty, personal defects and bad environment combine. Only a few of these personal defects, however, can by any proper use of language be regarded as misconduct. The great mass of poverty, therefore, seems attributable to misfortune rather than to misconduct,--using these words in their popular sense. But such a conclusion as this necessarily rests upon a somewhat superficial examination of the causes of distress which does not enter into the remote springs of personal character and development. On the whole, it seems unwise to attempt to divide the poor into the "worthy" and "unworthy" poor, as has often been done, for no one can say who is the worthy and who is the unworthy in a moral sense. The only sense in which these words may be used scientifically in charitable work is to mean "needy" and "not needy."