In the United States in 1903 there were 1500 hospitals costing about $29,000,000 a year for maintenance: $9,000,000 of this came from public funds, and the remaining $20,000,000 from charitable gifts and from paying patients. One-third of the patients were in public institutions, the other two-thirds in hospitals under private or religious control. There is not a city of any consequence in America which is without good hospital accommodations; and there are few countries in the world where it is more comfortable for a stranger to break a leg or have a mild attack of appendicitis. All this goes to show that the Americans recognize the care of the sick and wounded as a part of the common order. They perceive that the State never has been, and probably never will be, able to do all that is needed without the help of benevolent individuals, religious bodies, and philanthropic societies. How generously this help is given in America, not only for hospitals, but for all other objects of benevolence, may be seen from the fact that the public gifts and bequests of private citizens for the year 1907 amounted to more than $100,000,000. Let me give another illustration of voluntary social coöperation in this sphere of action which lies at least in part beyond the reach of the State. In all the American cities of large size, you will find institutions which are called "Settlements,"--a vague word which has been defined to mean "homes in the poorer quarters of a city where educated men and women may live in daily contact with the working people." The first house of this kind to be established was Toynbee Hall in London, in 1885. Two years later the Neighbourhood Guild was founded in New York, and in 1889 the College Settlement in the same city, and Hull House in Chicago, were established. There are now reported some three hundred of such settlement houses in the world, of which England has 56, Holland 11, Scotland 10, France 4, Germany 2, and the United States 207. I will take, as examples, Hull House in Chicago, and the Henry Street Settlement in New York.