The second type of dwelling which is next in vogue has exterior walls of stone, brick, concrete, or terra-cotta, and interior floors, partitions, and roof of wooden frame construction. These are very slightly more fireproof than the wooden frame structure, and as a class they are more costly in the beginning, but require less expense in up-keep. They resist attack from external fires better than the wooden frame building, but if the fire starts within, they will burn just as readily. Although the fire loss per year of this class is not nearly as great as for the first type, yet it must be appreciated that there are not so many of them. The chief advantage of the masonry house of this second type lies in the lowered cost of up-keep, longer life, and saving of heating-fuel in the winter. A great deal of literature has been circulated by brick, cement, and hollow terra-cotta tile manufacturers by which the public has been educated to believe that this type of structure is much more fire-resisting than it is. Of course this campaign of education was intended to stimulate interest in their product, and it had no unselfish motive back of it. The result of this propaganda is evident in the public belief that such houses are fireproof houses, while as a matter of fact they are not. [Illustration: Type II · Masonry walls · Interior·Wood] TYPE III The third class of dwelling is quite rare, and very few small houses are built that could be classified under it. Some builders call them fireproof houses, although this is erroneous. These buildings have walls, roofs, floors, and partitions built of incombustible materials, but the finished floors, the trim, windows, and doors are of wood. The exterior walls are of masonry construction, and the construction of the floors and roofs consists of steel beams with terra-cotta arches or concrete floor slabs, spanning in between them, and the partitions are of terra-cotta, gypsum, metal lath and plaster, or other similar materials. They may also be built of reinforced concrete throughout, or any other combination of these materials. There have been very few examples of this kind of construction used in the small house. It is an unfortunate condition that it is more adaptable to the costly mansion than to the average house of the middle-class citizen, for the high cost of construction of this character, in most cases, permits it to be used only by the wealthy man. Examples where such houses have been built generally show an investment of $30,000 or more, or, if they were built to-day, $50,000 or more. Those attempts to use this form of construction in the small house have been made by large building corporations, and have been chiefly represented by concrete houses of very ugly design. [Illustration: Type III. Walls, floors, partitions fireproof, but windows, doors and trim of wood.] TYPE IV