societies, and educational agencies of various kinds occupy a very large part in this group of pro-municipal or pro-national agencies, and these have been already referred to, and their nature and purposes are well known. But institutions which aim at the more strictly material side of well-being, such as banks and building societies, may be found here too. Just as the founders of the Penny Bank paved the way for the Post Office Savings Bank, so may some of those who study carefully the experiment of building up Garden City see how useful a bank might be, which, like the Penny Bank, aims not so much at gain for its founders as at the well-being of the community at large. Such a bank might arrange to pay the whole of its net profits or all its profits over a certain fixed rate, into the municipal exchequer, and give to the authorities of the town the option of taking it over should they be convinced of its utility and its general soundness.
There is another large field for pro-municipal activity in the work of building homes for the people. The municipality would be attempting too much if it essayed this task, at least at the outset. To do so would be perhaps to depart too widely from the path which experience has justified, however much might be said in favour of such a course on the part of a municipal body in command of ample funds. The municipality has, however, done much to make the building of bright and beautiful homes for the people possible. It has effectually provided against any overcrowding within its area, thus solving a problem found insoluble in existing cities, and it offers sites of ample size at an average: rate of £6 per annum for ground-rent and rates. Having done so much, the municipality will
