It is Life that has developed the fighting instinct in woman, bred the mental antagonism of sex. Nature did not implant either. Nor has she ever wavered a jot from the original mix compounded in her immemorial laboratory. Man is man and woman is woman to-day, even to the superior length of limb in the male (relative to the trunk) and the greater thickness of hairs in the woman's eyelashes. In England women of the leisure class showed during the years of the sports craze a tendency to an unfeminine length of limb, often attaining or surpassing the male average. But Nature avenged herself by narrowing the pelvis and weakening the reproductive organs. Free trade drove the old sturdy yeoman into the towns and diminished the stature and muscular power of their descendants, but ten months of trench life and Nature laughed at the weak spot in civilization. The moment false conditions are removed she claims her own.

Women to-day may prove themselves quite capable of doing, and permanently, the work of men in ammunition and munition factories, but it is patent that when human bipeds first groped their way about the terrifying Earth, she was not equal to the task of leveling forests, killing the beasts that roamed them, hurling spears in savage warfare, and bearing many children for many years. She played her part in the scheme of things precisely as Nature had meant she should play it: she cooked, she soothed the warrior upon his return from killing of man or beast, and she brought up her boys to be warriors and her girls to serve them. There you have Nature and her original plan, a bald and uninteresting plan, but eminently practical for the mere purpose (which is all that concerns her) of keeping the world going. And so it would be to-day, even in the civilized core, if man had been clever enough to take the cue Nature flung in his face and kept woman where to-day he so ingenuously desires to see her, and before whose deliverance he is as helpless as old Nature herself.

Man obeyed the herding instinct whose ultimate expression was the growth of great cities, invented the telegraph, the cable, the school, the newspaper, the glittering shops, the public-lecture system; and, voluntarily or carelessly, threw open to women the gates of all the arts, to say nothing of the crafts. And all the while he not only continued to antagonize woman, proud and eager in her awakened faculties, with stupid interferences, embargoes and underhand thwartings, but he permitted her to struggle and die in the hideous contacts with life from which a small self-imposed tax would have saved her. Some of the most brilliant men the world will ever know have lived, and administered, and passed into history, and the misery of helpless women has increased from generation to generation, while coincidentally her intelligence has waxed from resignation or perplexity through indignation to a grim determination. Man missed his chance and must take the consequences.

Certainly, young women fulfill their primary duty to the race and, incidentally, do all that should be expected of them, in the bringing forth and rearing of children, making the home, and seeing to the coherence of the social groups they have organized for recreation or purely in the interest of the next generation.

Perhaps the women will solve the problem. I can conceive the time when there will have developed an enormous composite woman's brain which, combining superior powers of intuition and sympathy with that high intellectual development the modern conditions so generously permit, added to their increasing knowledge of and interest in the social, economic, and political problems, will make them a factor in the future development of the race, gradually bring about a state of real civilization which twenty generations of men have failed to accomplish.

But that is not yet, and we may all be dead before its heyday. The questions of the moment absorb us. We must take them as they arise and do the best we can with existing conditions. The world is terribly conservative. Look at the European War.

II

Nowhere are fortunes so insecure as in the United States. The phrase, "Three generations from shirt-sleeves to shirt-sleeves," was not coined in Europe. But neither does it embrace a great American truth Many a fortune rises and falls within the span of one generation. Many a girl reared in luxury, or what passes in her class for luxury, is suddenly forced out into the economic world with no preparation whatever. It would be interesting to gather the statistics of men who, with a large salary, or a fair practice, and indulged family, and a certain social position to keep up, either vaguely intend to save and invest one of these days—perhaps when the children are educated—or carry a large life insurance which they would find too heavy a tax at the moment.

Often, indeed, a man does insure his life, and then in some year of panic or depression is forced to sell the policy or go under. Or he insures in firms that fail. My father insured in three companies and all failed before he died. In San Francisco the "earthquake clause" prevented many men from recovering a penny on their merchandise or investments swept away by the fire. Even a large number of the rich were embarrassed by that fire, for, having invested millions in Class A buildings, which were fire-proof, they saw no necessity for expending huge sums annually in premiums. They never thought of a general conflagration whose momentum would carry the flames across the street and into their buildings through the windows, eating up the interiors and leaving the fire-proof shell. One family lost six million dollars in a few hours, and emigrated to one of the Swiss lakes in order to be able to educate their children while their fortunes slowly recovered with the aid of borrowed capital.

A large number of girls, who, without being rich, had led the sheltered life before the fire, were obliged to go to work at once. Some were clever enough to know what they could do and did it without loss of time, some were assisted, others blundered along and nearly starved.