But here occurs a stumblingblock. The native American has a prejudice against furnishing books in a foreign language and often proceeds on the theory that although he does nothing to furnish facilities for learning English, it is better that the immigrant should read nothing while he waits. It is idle to fear that the foreign-language book is an obstacle to Americanization. Anything that increases the alien’s intelligence, and especially his information about America, is an aid, not a hindrance. Outside of the large cities few libraries have any collection of foreign books. Those that do are likely to have an entirely academic or classical assortment. A few weeks ago, in investigating the public library facilities of one of our big steel towns, now given over to the production of munitions, it was discovered that the foreign language “collection” adapted to the races in the town consisted of one Polish book. In one industrial town which is heavily immigrant a public library a few weeks ago opened a branch in a foreign bank--and, as might be expected, it is flourishing. One of the chief American grievances against the immigrant is that he does not spend or invest his money here. Until the establishment of the postal savings banks he had little encouragement to do so. Here again we cling stubbornly to our nativism, and maintain that arrangements that are satisfactory to the native born are good enough for the foreign born as well. Few banks have foreign departments, although of late the number is increasing. The ordinary bank is not adapted to the immigrant. He is intimidated by it and is not always welcome. That 59 per cent of the present investors in the Postal Savings Banks are foreign born, and that this 59 per cent owns 72 per cent of all the money now on deposit is significant proof that the immigrant _will_ use our banks as an institution. If I have given the impression that the entire responsibility for Americanism is the native American’s, I have failed in my purpose. I have but attempted to restore the balance and point out the really controlling factor in Americanism. If I have failed to note the many very important and excellent movements now under way in the name of reform and paid by benevolence, it is not that I underestimate their value. It is because I want the native American to realize that reform and philanthropy are no more now to be the custodians of Americanism than when the Declaration of Independence was signed. It is the average business man in his plant and the average official in his government office that must preserve it in every thought, act, and ambition of the day’s routine work--carrying always the overhead charge of patriotism and nationalism.