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and houses. There are precautions against fire which are necessary. There is care needed that children be not employed too young, and that they have an education. There is care needed that banks, insurance companies, and railroads be well managed, and that officers do not abuse their trusts. There is a duty in each case on the interested parties to defend their own interest. The penalty of neglect is suffering. The system of providing for these things by boards and inspectors throws the cost of it, not on the interested parties, but on the tax-payers. Some of them, no doubt, are the interested parties, and they may consider that they are exercising the proper care by paying taxes to support an inspector. If so, they only get their fair deserts when the railroad inspector finds out that a bridge is not safe after it is broken down, or when the bank examiner comes in to find out why a bank failed after the cashier has stolen all the funds. The real victim is the Forgotten Man again—the man who has watched his own investments, made his own machinery safe, attended to his own plumbing, and educated his own children, and who, just when he wants to enjoy the fruits of his care, is told