intellectual renewal than the consideration of that vast mass of useless, uncomfortable, under-educated, under-trained and altogether pitiable people we contemplate when we use that inaccurate and misleading term, the Lower Middle Class. A great proportion of the lower middle class should properly be assigned to the unemployed and the unemployable. They are only not that, because the possession of some small hoard of money, savings during a period of wage earning, an insurance policy or suchlike capital, prevents a direct appeal to the rates. But they are doing little or nothing for the community in return for what they consume; they have no understanding of any relation of service to the community, they have never been trained nor their imaginations touched to any social purpose. A great proportion of small shopkeepers, for example, are people who have, through the inefficiency that comes from inadequate training and sheer aimlessness, or improvements in machinery or the drift of trade, been thrown out of employment, and who set up in needless shops as a method of eking out the savings upon which they count. They contrive to make sixty or seventy per cent, of their expenditure, the rest is drawn from the shrinking capital. Essentially their lives are failures, not the sharp and tragic failure of the labourer who gets out of work and starves, but a slow, chronic process of consecutive small losses which may end if the individual is exceptionally fortunate in an impoverished death bed before actual bankruptcy or destitution supervenes. Their chances of
