They touched every phase of the social life of the time and helped in the solution of many of the social problems. They provided insurance for their members against loss by fire, by robbery, at sea, by the fall of a house, by imprisonment and even against loss from flood. There was insurance against the loss of sight, against the loss of limb or any other form of crippling. The deaf and dumb might be insured so as to secure an income for them and corresponding relief for leprosy might be obtained, so that if one were set apart from the community by the law requiring segregation of lepers there might be provision for food and lodging even though productive work had become impossible. [Footnote 18] There was also insurance for the farmer against the loss of cattle and farm products. [Footnote 18: Walsh, "The Thirteenth Greatest of Centuries," Catholic Summer School Press Appendix, fifth edition, New York, 1912.] There were no poorhouses and no orphan asylums. We have just come to recognize once more that the best possible guardian, as a rule, for children is their mother, if she is alive. It is cheaper in the end to help her to keep the family together than to put them into institutions, and the home training is almost infinitely better. They recognized this fact very {171} clearly in the later Middle Ages and in Columbus' Century, and if mother were dead, and father could not keep the children, which was very rarely the case, or if both parents were dead, the children were distributed in families which adopted them with the specific agreement that they should be looked upon as members of the family. The guild officials looked after these children and saw that they were not abused and obtained special opportunities for their training, and supplied a dowry very often for the girls when they married. Indeed, there was a tradition that "the children of the guild," as these orphans were called, were likely to have better opportunities in life than those whose parents were still living.