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give them. "I am sorry for you," I said. "You get little enough, certainly, and yet the wonder to me is, not that industries conducted as these are do not pay you living wages, but that they are able to pay you any wages at all."

Making my way back again after this to the peninsular city, toward three o'clock I stood on State Street, staring, as if I had never seen them before, at the banks and brokers' offices, and other financial institutions, of which there had been in the State Street of my vision no vestige. Business men, confidential clerks, and errand boys were thronging in and out of the banks, for it wanted but a few minutes of the closing hour. Opposite me was the bank where I did business, and presently I crossed the street, and, going in with the crowd, stood in a recess of the wall looking on at the army of clerks handling money, and the cues of depositors at the tellers' windows. An old gentleman whom I knew, a director of the bank, passing me and observing my contemplative attitude, stopped a moment.

"Interesting sight, isn't it, Mr. West," he said. "Wonderful piece of mechanism; I find it so myself. I like sometimes to stand and look on at it just as you are doing. It's a poem, sir, a poem, that's what I call it. Did you ever think, Mr. West, that the bank is the heart of the business system? From it and to it, in endless flux and reflux, the life blood goes. It is flowing in now. It will flow out again in the morning"; and pleased with his little conceit, the old man passed on smiling.

Yesterday I should have considered the simile apt enough, but since then I had visited a world incomparably more affluent than this, in which money was unknown and without conceivable use. I had learned that it had a use in the world around me only because the work of producing the nation's livelihood, instead of being regarded as the most strictly public and common of all concerns, and as such conducted by the nation, was abandoned to the hap-hazard efforts of individuals. This original mistake necessitated endless exchanges to bring about any sort of general distribution of products. These exchanges money effectedβ€”how equitably, might be seen in a walk from the tenement house districts to the Back Bayβ€”at the cost of an army of men taken from productive labor to manage it, with constant ruinous breakdowns of its machinery, and a generally debauching influence on mankind which had justified its description, from ancient time, as the "root of all evil."

Alas for the poor old bank director with his poem! He had mistaken the throbbing of an abscess for the beating of the heart. What he called "a wonderful piece of mechanism" was an imperfect device to remedy an unnecessary defect, the clumsy crutch of a self-made cripple.

After the banks had closed I wandered aimlessly about the business quarter for an hour or two, and later sat a while on one of the benches of the Common, finding an interest merely in watching the throngs that passed, such as one has in studying the populace of a foreign city, so strange since yesterday had my fellow citizens and their ways become to me. For thirty years I had lived among them, and yet I seemed to have never noted before how drawn and anxious were their faces, of the rich as of the poor, the refined, acute faces of the educated as well as the dull masks of the ignorant. And well it might be so, for I saw now, as never before I had seen so plainly, that each as he walked constantly turned to catch the whispers of a spectre at his ear, the spectre of Uncertainty. "Do your work never so well," the spectre was whisperingβ€”"rise early and toil till late, rob cunningly or serve faithfully, you shall never know security. Rich you may be now and still come to poverty at last. Leave never so much wealth to your children, you cannot buy the assurance that your son may not be the servant of your servant, or that your daughter will not have to sell herself for bread."

A man passing by thrust an advertising card in my hand, which set forth the merits of some new scheme of life insurance. The incident reminded me of the only device, pathetic in its admission of the universal need it so poorly supplied, which offered these tired and hunted men and women even a partial protection from uncertainty. By this means, those already well-to-do, I remembered, might purchase a precarious confidence that after their death their loved ones would not, for a while at least, be trampled under the feet of men. But this was all, and this was only for those who could pay well for it. What idea was possible to these wretched dwellers in the land of Ishmael, where every man's hand was against each and the hand of each against every other, of true life insurance as I had seen it among the people of that dream land, each of whom, by virtue merely of his membership in the national family, was guaranteed against need of any sort, by a policy underwritten by one hundred million fellow countrymen.

Some time after this it was that I recall a glimpse of myself standing on the steps of a building on Tremont Street, looking at a military parade. A regiment was passing. It was the first sight in that dreary day which had inspired me with any other emotions than wondering pity and amazement. Here at last were order and reason, an exhibition of what intelligent cooperation can accomplish. The people who stood looking on with kindling faces,β€”could it be that the sight had for them no more than but a spectacular interest? Could they fail to see that it was their perfect concert of action, their organization under one control, which made these men the tremendous engine they were, able to vanquish a mob ten times as numerous? Seeing this so plainly, could they fail to compare the scientific manner in which the nation went to war with the unscientific manner in which it went to work? Would they not query since what time the killing of men had been a task so much more important than feeding and clothing them, that a trained army should be deemed alone adequate to the former, while the latter was left to a mob?

It was now toward nightfall, and the streets were thronged with the workers from the stores, the shops, and mills. Carried along with the stronger part of the current, I found myself, as it began to grow dark, in the midst of a scene of squalor and human degradation such as only the South Cove tenement district could present. I had seen the mad wasting of human labor; here I saw in direst shape the want that waste had bred.

From the black doorways and windows of the rookeries on every side came gusts of fetid air. The streets and alleys reeked with the effluvia of a slave ship's between-decks. As I passed I had glimpses within of pale babies gasping out their lives amid sultry stenches, of hopeless-faced women deformed by hardship, retaining of womanhood no trait save weakness, while from the windows leered girls with brows of brass. Like the starving bands of mongrel curs that infest the streets of Moslem towns, swarms of half-clad brutalized children filled the air with shrieks and curses as they fought and tumbled among the garbage that littered the court-yards.

There was nothing in all this that was new to me. Often had I passed through this part of the city and witnessed its sights with feelings of disgust mingled with a certain philosophical wonder at the extremities mortals will endure and still cling to life. But not alone as regarded the economical follies of this age, but equally as touched its moral abominations, scales had fallen from my eyes since that vision of another century. No more did I look upon the woful dwellers in this Inferno with a callous curiosity as creatures scarcely human. I saw in them my brothers and sisters, my parents, my children, flesh of my flesh, blood of my blood. The festering mass of human wretchedness about me offended not now my senses merely, but pierced my heart like a knife, so that I could not repress sighs and groans. I not only saw but felt in my body all that I saw.

Presently, too, as I observed the wretched beings about me more closely, I perceived that they were all quite dead. Their bodies were so many living sepulchres. On each brutal brow was plainly written the hic jacet of a soul dead within.

As I looked, horror struck, from one death's head to another, I was affected by a singular hallucination. Like a wavering translucent spirit face superimposed upon each of these brutish masks I saw the ideal, the possible face that would have been the actual if mind and soul had lived. It was not till I was aware of these ghostly faces, and of the reproach that could not be gainsaid which was in their eyes, that the full piteousness of the ruin that had been wrought was revealed to me. I was moved with contrition as with a strong agony, for I had been one of those who had endured that these things should be. I had been one of those who, well knowing that they were, had not desired to hear or be compelled to think much of them, but had gone on as if they were not, seeking my own pleasure and profit. Therefore now I found upon my garments the blood of this great multitude of strangled souls of my brothers. The voice of their blood cried out against me from the ground. Every stone of the reeking pavements, every brick of the pestilential rookeries, found a tongue and called after me as I fled: What hast thou done with thy brother Abel?

I have no clear recollection of anything after this till I found myself standing on the carved stone steps of the magnificent home of my betrothed in Commonwealth Avenue. Amid the tumult of my thoughts that day, I had scarcely once thought of her, but now obeying some unconscious impulse my feet had found the familiar way to her door. I was told that the family were at dinner, but word was sent out that I should join them at table. Besides the family, I found several guests present, all known to me. The table glittered with plate and costly china. The ladies were sumptuously dressed and wore the jewels of queens. The scene was one of costly elegance and lavish luxury. The company was in excellent spirits, and there was plentiful laughter and a running fire of jests.

To me it was as if, in wandering through the place of doom, my blood turned to tears by its sights, and my spirit attuned to sorrow, pity, and despair, I had happened in some glade upon a merry party of roisterers. I sat in silence until Edith began to rally me upon my sombre looks, What ailed me? The others presently joined in the playful assault, and I became a target for quips and jests. Where had I been, and what had I seen to make such a dull fellow of me?

"I have been in Golgotha," at last I answered. "I have seen Humanity hanging on a cross! Do none of you know what sights the sun and stars look down on in this city, that you can think and talk of anything else? Do you not know that close to your doors a great multitude of men and women, flesh of your flesh, live lives that are one agony from birth to death? Listen! their dwellings are so near that if you hush your laughter you will hear their grievous voices, the piteous crying of the little ones that suckle poverty, the hoarse curses of men sodden in misery turned half-way back to brutes, the chaffering of an army of women selling themselves for bread. With what have you stopped your ears that you do not hear these doleful sounds? For me, I can hear nothing else."

Silence followed my words. A passion of pity had shaken me as I spoke, but when I looked around upon the company, I saw that, far from being stirred as I was, their faces expressed a cold and hard astonishment, mingled in Edith's with extreme mortification, in her father's with anger. The ladies were exchanging scandalized looks, while one of the gentlemen had put up his eyeglass and was studying me with an air of scientific curiosity. When I saw that things which were to me so intolerable moved them not

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