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THE HOUSING PROBLEM

active, reticent, quietly doing nothing. You beg him to reduce rents, whitewash ceilings, produce other houses, combine the summer-house of No. 6 with the conservatory of No. 4—much he cares! You want to dispose of a house; then he is just the same, serene, indifferent—on one occasion I remember he was picking his teeth all the time he answered me. Competition is a mockery among house agents, they are all alike, you cannot wound them by going to the opposite office, you cannot dismiss them, you can at most dismiss yourself. They are invulnerably placed behind mahogany and brass, too far usually even for a sudden swift lunge with an umbrella; and to throw away the keys they lend you instead of returning them is larceny and punishable as such.

It was a house agent in Dover who finally decided Kipps to build. Kipps, with a certain faltering in his voice, had delivered his ultimatum, no basement, not more than eight rooms, hot and cold water upstairs, coal cellar in the house but with intervening doors to keep dust from the scullery and so forth. He stood blowing. "You'll have to build a house," said the house agent, sighing wearily, "if you want all that." It was rather for the sake of effective answer than with any intention at the time that Kipps mumbled, "That's about what I shall do—this goes on."

Whereupon the house agent smiled. He smiled!

When Kipps came to turn the thing over in his mind, he was surprised to find quite a considerable intention had germinated and was growing up in him. After all, lots of people have built houses. How could there be so many if they hadn't? Suppose he

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