wealth and cultivation; but any tasteful stranger here, I am sure, will be surprised to find in a city so new so many homes pervaded by the atmosphere of books and art and refined sensibility, due, I imagine, mainly to the taste of the women, for while there are plenty of men here who have taste, there are very few who have leisure to indulge it; and I doubt if there was ever anywhere a livable house—a man can build a palace, but he cannot make a home—that was not the creation of a refined woman. I do not mean to say that Chicago is not still very much the victim of the upholsterer, and that the eye is not offended by a good deal that is gaudy and pretentious, but there is so much here that is in exquisite taste that one has a hopeful heart about its future. Everybody is not yet educated up to the “Richardson houses,” but nothing is more certain than that they will powerfully influence all the future architecture of the town. Perhaps there never was before such an opportunity to study the growth of an enormous city, physically and socially, as is offered now in Chicago, where the development of half a century is condensed into a decade. In one respect it differs from all other cities of anything like its size. It is not only surrounded by a complete net-work of railways, but it is permeated by them. The converging lines of twenty-one (I think it is) railways paralleling each other or criss-crossing in the suburbs concentrate upon fewer tracks as they enter the dense part of the city, but they literally surround it, and actually pierce its heart. So complete is this environment and interlacing that you cannot enter the city from any direction without encountering a net-work of tracks. None of the water-front, except a strip on the north side, is free from them. The finest residence part of the south side, including the boulevards and parks, is surrounded and cut by them. There are a few viaducts, but for the most part the tracks occupy streets, and the crossings are at grade. Along the Michigan avenue water-front and down the lake shore to Hyde Park, on the Illinois Central and the Michigan Central and their connections, the foreign and local trains pass incessantly (I believe over sixty a day), and the Illinois crosses above Sixteenth Street, cutting all the great southward avenues; and farther down, the tracks run between Jackson Park and Washington Park, crossing at grade the 500-feet-wide boulevard which connects these great parks and makes them one. These tracks and grade crossings, from which so few parts of the city are free, are a serious evil and danger, and the annoyance is increased by the multiplicity of street railway’s, and by the swiftly running cable-cars, which are a constant source of alarm to the timid. The railways present a difficult problem. The town covers such a vast area (always extending in a ratio that cannot be calculated) that to place all the passenger stations outside would be a great inconvenience,