is, as already stated, a corporation, a business enterprise financed by investors who receive interest on their investments; hence, to the same extent that it is a financial enterprise, like other such enterprises, it will be governed by the rate of wages.[31] Another objection has been raised by critics, to the effect that the Army, through its industry, enters into competition with existing firms and companies to the harm of the latter.[32] For instance they urge that in the case of those engaged in second-hand goods and salvage, who are able to make a profit by buying their material, the army enters into an unfair competition, when it takes such material, given in charity, and sells at a lower figure. In so far as the army does undersell others this objection is valid, and we have no doubt that in some cases such is the truth. Doubtless some individuals and firms have been hurt in their business by this under-selling. For instance, in Chicago, the Army has nine retail stores situated in the poorer districts, doing a big business in second hand goods. In addition to those goods it sends into the retail trade, it sells hundreds of tons of paper and rags annually. This must have some effect on others engaged in this business. However, the Army itself sometimes pays for its material and does not often undersell.[33] But there is another side to this question of underselling. Naturally the tendency is to get as much as possible for its goods, and provided there is a market, the army would seek to obtain just as much as any one else in the business. It now falls back on a question of supply and demand. The only way in which the price would be lowered by the Salvation Army would be by an increase of supply. Doubtless the supply of these goods is increased by the thorough work of the Army agents, and, to such an extent, its entrance into this field would tend to lower prices. However, in the leading salvage industries of the army, the increase in supply does no more than offset the increase in demand. The amount of displacement of the salvage and allied industries due to the competition of the army at present would not seem to be much, although of course it is difficult to get any exact figures along this line. Looking at the Salvation Army retail store as a form of relief, another question arises as to whether the opportunity given to the residents of the district to get things at the Salvation Army's store cheaper than elsewhere interferes with the standard of living. By the standard of living we mean the scale or measure of comfort and satisfaction which a person or a community of persons regards as indispensable to happiness.[34] This would differ in the case of different persons and classes and communities, but progress demands that the standard should never be lowered, but should always be raised, in accord with increasing enlightenment and education.