The quiet heroism of thousands of working girls can be appreciated only by those who become familiar with their lives in the natural intercourse of club life. There is, of course, the other type of girl--the girl who insists on spending the major portion, if not all, of her wages for clothes; who assumes no responsibility for the family, and who has conceded to her the right to spend her money for clothes. She would make life most uncomfortable if she were compelled to share what she earned, even when the family live under conditions that make the home merely a place of shelter--conditions that make even decency impossible. The fathers and mothers seemingly have no rights that this type of girl feels she is bound to respect. When such girls marry, the mothers will do the washing for their daughters, hold the menial relation, and neither mother nor daughter questions the justice of the relation. Sometimes the daughter will pay the mother for doing the washing, "to," as she expresses it, "help her mother out." Such families usually cannot be helped through any influence but the evolution that comes through environment and neighborhood development. There is a superficial difference in the social development of such parents and children. The parents concede the higher position to their children, and the children take it as a matter of right. The wages of skilled workmen enable them to keep their children in school until they are sixteen or seventeen years old, if the children will stay. These fathers can support their families, but not dress them as they desire. The girls go to work for the sole purpose of dressing better than their fathers could dress them. This indulgence creates false standards, and is a serious blot on the American working-man's life. It prevents marriage. Both young men and young women understand that the wages of one cannot buy luxuries for two that the wages used for one bought. The army of clerks on small salaries increase yearly. This class, through association, develop tastes and standards of living that make impossible the establishment of homes on their incomes and at the same time the continued indulgence of developed tastes. No type of family develops less that adds to the wealth and attainment of the country than this type. The children are selfish; they marry; they discover that the wages that bought clothes to suit the extravagance of one is wholly inadequate to support a family. Discouragement, friction, ennui follow, and life becomes a grind, without hope, without inspiration. The second family slips backward, and it is but two generations from shirt sleeves to shirt sleeves, with this difference, that the arms covered by the shirt sleeves of the third generation lack the muscles of the first, as the spirit lacks its moral fiber. It is this type of family that keeps alive the most vexing of social problems. The skilled working-man's family, the family of the small salaried men, present the