Of course there was always present the harrowing consciousness of the difference in economic condition between ourselves and our neighbors. Even if we had gone to live in the most wretched tenement, there would have always been an essential difference between them and ourselves, for we should have had a sense of security in regard to illness and old age and the lack of these two securities are the specters which most persistently haunt the poor. Could we, in spite of this, make their individual efforts more effective through organization and possibly complement them by small efforts of our own?

Some such vague hope was in our minds when we started the Hull-House Cooperative Coal Association, which led a vigorous life for three years, and developed a large membership under the skillful advice of its one paid officer, an English workingman who had had experience in cooperative societies at "'ome." Some of the meetings of the association, in which people met to consider together their basic dependence upon fire and warmth, had a curious challenge of life about them. Because the cooperators knew what it meant to bring forth children in the midst of privation and to see the tiny creatures struggle for life, their recitals cut a cross section, as it were, in that world-old effort—the "dying to live" which so inevitably triumphs over poverty and suffering. And yet their very familiarity with hardship may have been responsible for that sentiment which traditionally ruins business, for a vote of the cooperators that the basket buyers be given one basket free out of every six, that the presentation of five purchase tickets should entitle the holders to a profit in coal instead of stock "because it would be a shame to keep them waiting for the dividend," was always pointed to by the conservative quarter-of-a-ton buyers as the beginning of the end. At any rate, at the close of the third winter, although the Association occupied an imposing coal yard on the southeast corner of the Hull-House block and its gross receipts were between three and four hundred dollars a day, it became evident that the concern could not remain solvent if it continued its philanthropic policy, and the experiment was terminated by the cooperators taking up their stock in the remaining coal.

Our next cooperative experiment was much more successful, perhaps because it was much more spontaneous.

At a meeting of working girls held at Hull-House during a strike in a large shoe factory, the discussions made it clear that the strikers who had been most easily frightened, and therefore first to capitulate, were naturally those girls who were paying board and were afraid of being put out if they fell too far behind. After a recital of a case of peculiar hardship one of them exclaimed: "Wouldn't it be fine if we had a boarding club of our own, and then we could stand by each other in a time like this?" After that events moved quickly. We read aloud together Beatrice Potter's little book on "Cooperation," and discussed all the difficulties and fascinations of such an undertaking, and on the first of May, 1891, two comfortable apartments near Hull-House were rented and furnished. The Settlement was responsible for the furniture and paid the first month's rent, but beyond that the members managed the club themselves. The undertaking "marched," as the French say, from the very first, and always on its own feet. Although there were difficulties, none of them proved insurmountable, which was a matter for great satisfaction in the face of a statement made by the head of the United States Department of Labor, who, on a visit to the club when it was but two years old, said that his department had investigated many cooperative undertakings, and that none founded and managed by women had ever succeeded. At the end of the third year the club occupied all of the six apartments which the original building contained, and numbered fifty members.

It was in connection with our efforts to secure a building for the Jane Club, that we first found ourselves in the dilemma between the needs of our neighbors and the kind-hearted response upon which we had already come to rely for their relief. The adapted apartments in which the Jane Club was housed were inevitably more or less uncomfortable, and we felt that the success of the club justified the erection of a building for its sole use.

Up to that time, our history had been as the minor peace of the early Church. We had had the most generous interpretation of our efforts. Of course, many people were indifferent to the idea of the Settlement; others looked on with tolerant and sometimes cynical amusement which we would often encounter in a good story related at our expense; but all this was remote and unreal to us, and we were sure that if the critics could but touch "the life of the people," they would understand.

The situation changed markedly after the Pullman strike, and our efforts to secure factory legislation later brought upon us a certain amount of distrust and suspicion; until then we had been considered merely a kindly philanthropic undertaking whose new form gave us a certain idealistic glamour. But sterner tests were coming, and one of the first was in connection with the new building for the Jane Club. A trustee of Hull-House came to see us one day with the good news that a friend of his was ready to give twenty thousand dollars with which to build the desired new clubhouse. When, however, he divulged the name of his generous friend, it proved to be that of a man who was notorious for underpaying the girls in his establishment and concerning whom there were even darker stories. It seemed clearly impossible to erect a clubhouse for working girls with such money and we at once said that we must decline the offer. The trustee of Hull-House was put in the most embarrassing situation; he had, of course, induced the man to give the money and had had no thought but that it would be eagerly received; he would now be obliged to return with the astonishing, not to say insulting, news that the money was considered unfit.

In the long discussion which followed, it gradually became clear to all of us that such a refusal could be valuable only as it might reveal to the man himself and to others, public opinion in regard to certain methods of money-making, but that from the very nature of the case our refusal of this money could not be made public because a representative of Hull-House had asked for it. However, the basic fact remained that we could not accept the money, and of this the trustee himself was fully convinced. This incident occurred during a period of much discussion concerning "tainted money" and is perhaps typical of the difficulty of dealing with it. It is impossible to know how far we may blame the individual for doing that which all of his competitors and his associates consider legitimate; at the same time, social changes can only be inaugurated by those who feel the unrighteousness of contemporary conditions, and the expression of their scruples may be the one opportunity for pushing forward moral tests into that dubious area wherein wealth is accumulated.

In the course of time a new clubhouse was built by an old friend of Hull-House much interested in working girls, and this has been occupied for twelve years by the very successful cooperating Jane Club. The incident of the early refusal is associated in my mind with a long talk upon the subject of questionable money I held with the warden of Toynbee Hall, whom I visited at Bristol where he was then canon in the Cathedral. By way of illustration he showed me a beautiful little church which had been built by the last slave-trading merchant in Bristol, who had been much disapproved of by his fellow townsmen and had hoped by this transmutation of ill-gotten money into exquisite Gothic architecture to reconcile himself both to God and man. His impulse to build may have been born from his own scruples or from the quickened consciences of his neighbors who saw that the world-old iniquity of enslaving men must at length come to an end. The Abolitionists may have regarded this beautiful building as the fruit of a contrite heart, or they may have scorned it as an attempt to magnify the goodness of a slave trader and thus perplex the doubting citizens of Bristol in regard to the entire moral issue.

Canon Barnett did not pronounce judgment on the Bristol merchant. He was, however, quite clear upon the point that a higher moral standard for industrial life must be embodied in legislation as rapidly as possible, that it may bear equally upon all, and that an individual endeavoring to secure this legislation must forbear harsh judgment. This was doubtless a sound position, but during all the period of hot discussion concerning tainted money I never felt clear enough on the general principle involved, to accept the many invitations to write and speak upon the subject, although I received much instruction in the many letters of disapproval sent to me by radicals of various schools because I was a member of the university extension staff of the then new University of Chicago, the righteousness of whose foundation they challenged.