FOOTNOTES:

[21] Haskins, _How Other People Get Ahead_, Savings Division, United

States Treasury Department, p. 4.

[22] _Report of the Health Insurance Commission of Illinois_, p. 223.

[23] _Report of the Health Insurance Commission of the State of

Illinois_, pp. 443-483.

[24] _Ibid._, pp. 523-532.

[25] _Ibid._, pp. 483-497.

[26] Chicago Housing Conditions, _American Journal of Sociology_, vol.

xvi, p. 433; vol. xvii, pp. 1, 145; vol. xviii, p. 509; vol. xx, pp.

145, 289; vol. xxi, p. 185.

[27] Chicago Housing Conditions, ix, "The Lithuanians in the Fourth

Ward," _American Journal of Sociology_, vol. xx, p. 296.

[28] _Ninth Annual Report of the United States Commissioner of Labor

on Building and Loan Associations_, p. 56.

[29] _Ibid._, pp. 12-13.

[30] Kemmerer, _Postal Savings Banks_, pp. 100-104.

[31] _Thrift by Household Accounting and Weekly Cash Record Forms_,

published by the Committee on Household Budgets, American Home

Economics Association, 1211 Cathedral Street, Baltimore, Maryland.

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