62 
meantime, there are good grounds for hope. Sooner or later 
the unreasoning optimism and cheap philanthropy which allow 
immigrants to elbow out our own workpeople, reared at vast 
expense to the community, will be overruled. I sincerely hope 
that the demand for well-considered restriction will not be too 
long delayed, and that efficient means to that end will be 
furnished before an excited populace takes the law into his own 
hands, and inflicts cruel and undeserved punishment upon 
helpless outcasts, while the real culprits—those who batten upon 
human starvation—backed by sleek and sleepy doctrinaires— 
escape unscathed. The persistence of an appalling amount of 
pauperism in our huge centres of population in spite of rigid 
administration—practically the offer of the workhouse only to 
all applicants for relief—calls for an immediate supplementary 
treatment. When an experienced physician finds that drastic 
measures fail to bring about any improvement in his patient’s 
condition, he looks further afield and prescribes an alteration of 
regimen. The same rule will apply socially. Meanwhile, 
outside these congested districts we everywhere meet with signs 
of a coming and permanent emergence irom pauperism. The 
test applied to discover how far there is need for compulsory 
insurance, revealed silent and mighty agencies at work sapping 
the very foundations of chronic poverty. By their means, in 
spite of some decrease in wages and the prevalence of diminished 
trade in ratio to population, pauperism has fallen to less than 
one-half its former dimensions, and has made throughout 
Lancashire during the year just passed another crab-like climb- 
downwards. I venture to express the thought that in the 
future combined voluntary assistance will gradually displace 
Poor Law relief. 
TABLE 1. 
MR. TREMENHEERE’S FIGURES. 
s. d. 
According to Ratcliffe’s Tables, with £3 per cent. interest, and the 
age 21— 
The value of Sick Pay up to 65, if paid at 21, is equal to ........ wo 
Add 30 per cent. to include expenses of management............ 2220 
According to the Post Office tables (table 2, page 19) the cost of 
Gh ALMCAth, ah PAG aA Leeds WOULG! Welle crete cloister slcleneleteleiclelsistete 18 4 
Cost of sick pay and funeral funds ............+- L010 
According to the Post Office tables for deferred annuities 
(page 45) the cost of £13 per year, or 5s. per week, 
PEM P AIG IAG ONS WOULGDGl sa tleinisteys teres © ckelele cia sielel= (eles 12 0 6 
Add 10 per cent. for cost of monthly instead of half- 
yearly payments, as specified in page 8 of explana- 
tory statement of Post Office tables .........+..+- 1 4 0 F 
13 6 
Total cost, sick pay, burial fund and annuity ...... £24 5 4 
