To-day how few of us live in the house we began life with! How few in that we occupied even ten years ago! And this number is growing smaller and smaller. The housewife has not time to form habits of her own; she engages a maid and expects her to fall at once into the family ways, when the family has no ways. In the sociological sense, shelter may mean protection from noise, from too close contact with other human beings, enemies only in the sense of depriving us of valuable nerve-force. It should mean sheltering the children from contact with degrading influences. Charles P. Neill, United States Commissioner of Labor, in his address at the New York School of Philanthropy, July 16, 1905, said: "In my own estimation home, above all things, means privacy. It means the possibility of keeping your family off from other families. There must be a separate house, and as far as possible separate rooms, so that at an early period of life the idea of rights to property, the right to things, to privacy, may be instilled." There may be such a thing as too much shelter. To cover too closely breeds decay. Are we in danger of covering ourselves and our children too closely from sun and wind and rain, making them weak and less resistant than they should be? The prevalence of tuberculosis and its cure by fresh air seems to indicate this. The attempt to gain privacy under prevailing conditions tends this way. Hitherto students of social economics have usually considered the most pressing problem in the life of the wage-earner to be that of sufficient and suitable food. But in any large city and in most smaller communities there are found those who have refined instincts, aspirations for a life of physical and moral cleanness, who by force of circumstances are obliged to come in contact with filth and squalor and careless disorder in order to find shelter. If they can be kept from degenerating, their rise when it comes will lift those below them, but it is a Herculean task to lift them by lifting all below as well. The burden which presses most heavily on this valuable material for social betterment is that of shelter rather than of food. The thought underlying this whole series on Cost is that the place to put the leaven of progress is in the middle. The class to work for is the great mass of intelligent, industrious, and ambitious young people turned out by our public schools with certain ideals for self-betterment, but in grave danger of losing heart in the crush due to the pressure of society around them and above them. They fear to incur the responsibility of marriage when they see the pecuniary requirements it involves.