One sees the highest expression of spiritual development in lives apart from the Church as well as in the Church. This it is that develops a feeling of reverence for any movement having for its object the bettering of the social life of the people. One learns that every vulgarity that becomes obnoxious; every freedom that is brought within the bounds of restraint by new standards of education and refinement; every influence set in motion because of the spiritual perception of the answer to the question, "Am I my brother's keeper?" means spiritual life growing toward that of the Master of time, whose laws are but two for the guiding of men, "Love the Lord thy God," "Thy neighbor as thyself;" and these make neither cross nor steeple necessary, for they may be obeyed in the heart and guide the life wherever it is lived. [Illustration: LIBRARY DAY AT THE COLLEGE SETTLEMENT.] CHAPTER VIII. FINANCIAL RELATIONS IN FAMILIES. The women of education who attempted to make the conditions of working-men's families better, found their own education advanced, their values of essentials greatly modified in some respects, greatly enlarged in others. This was due to the bravery, the unselfishness, the contradictions of character forced on their attention through the natural, familiar intercourse made possible through neighborhood and club relations. Probably the most astonishing experience in working-girls' club life is the revelation of the entire lack of self-consciousness on the part of working girls as to anything remarkable in their giving up wages not only week after week, but year after year, for the benefit of their families. The closer one gets to the poorest paid of the working girls, the more common is this unconscious unselfishness. In fact, the girl at this level who would attempt to hold or even to introduce a business relation in her family relation, would find herself an object of contempt, even when the personal habits of those who controlled the use of the money she earned were of such a character as to certainly mean waste of the money, perhaps worse.