A state pension has often, as has been said, been proposed for all aged people. Let us suppose that instead of this some scheme of State Insurance for Old-age Homes be devised; a scheme in which after the payment of a certain specified sum a share in a Boarding Home might be secured. If the state or if any private Agency or Foundation could provide the "plant," a suitable building and its repairs and fundamental expenses of upkeep, with one salaried superintendent whose character and ability could be guaranteed, the running expenses of a Boarding Home could be met easily by the limited means of many who now lack the security of an institutional provision and in consequence lack also many essentials of old-age comfort. A skilled budget-maker could determine the numbers required in each household to make the board low and a sympathetic social worker could suggest the cooeperative features of management most likely to give successful results in the composite home. The entrance age in such a Boarding Home could be lower than that required in the usual type of privately endowed Home for the Aged and thus a felt need be met for a suitable home for those between the ages of fifty-five and sixty-five. In these privately endowed Homes for the Aged the entrance fees range from $100 to $1,000, and beneficiaries are required to give up all the property of any kind of which they may be possessed when they enter this permanent residence. This is not unjust, but it is often an added trial to the independent nature. There is need of far larger provision for the old in Homes for Aged Men, Aged Women, and Aged Couples. No one can give anything but gratitude for the opportunities they now offer or fail to hope for their increase. There is, however, a special need for some social engineering which can initiate Boarding Homes for the Elderly. Many of these are still strong and well, but need special consideration in particular ways. Many others are not ill, but delicate, and in need not of full-time nursing care but of occasional good offices of trained helpers. One nurse, a "practical nurse" or a trained nurse past in age and strength full service of her profession, could easily give occasional service needed for twenty or more elderly persons in usual health or for ten or more aged, in greater need of care but not helpless, if all were under the same roof. The cooeperative plans that often fail in serving the family of father, mother, and children, may be found exactly suited to special classes, and among them the aged. The Social Settlements were started to serve and have served the neighborhood needs of the poor and the immigrant. They have also, incidentally, demonstrated the financial advantages of cooeperative housekeeping. A company of congenial people living together in groups of twenty to forty can secure the essentials of food, shelter, and necessary service at a cost per person far below the average expense for boarding or private housekeeping.