Radcliffe. That some amount of repe. As she leaned and looked with a loyal tition will do no harm to teachers of

shame certain temperaments and in certain

At the steady flow of the steely river:

Till a storm grew black in the hazel eyes subjects may well be allowed, but that

Time had not tamed, nor a lover sighed it is sometimes likely to exhaust the

for; nervous energy which might better be

And she ran and she girded her, aprondevoted to other things can hardly be

wise, denied. The present Radcliffe system, With the flag she loved and her brothers to be sure, is but a makeshift, and an died for. unsatisfactory one.

Out of the doorway they saw her start The instructors and assistants, on

(Pickett's Virginians were marching their part, have little to grumble at, if

through), they, in their turn, are wise in the use

The hot little foolish hero-heart of their time. It is with them, usually, Armored with stars and the sacred blue. but a few years of drudgery, on the way Clutching the folds of red and white to higher positions in Harvard or else

Stood she and bearded those ranks of

theirs, where; and it is well that a man should

Shouting shrilly with all her might, bear the yoke in his youth. Let him re

"Come and take it, the man that dares!" member that his promotion will depend largely upon his showing the ability to Pickett's Virginians were passing through; do independent work; let him take care Supple as steel and brown as leather, not to be so absorbed in the duties of his Rusty and dusty of hat and shoe, temporary position as to fail to produce Peerless, fearless, an army's flower!

Wonted to hunger and war and weather; some little bit of scholarly or scientific

Sterner soldiers the world saw never, achievement for himself. I have occa- Marching lightly, that summer hour, sionally thought that the university To death and failure and fame forever.. accepts the labors of men in the lower

Rose from the rippling ranks a cheer; grades of the service with a rather step

Pickett saluted, with bold eyes beaming, motherly disregard for their futures.

Sweeping his hat like a cavalier, From “Jowett and the University Ideal.” By With his tawny locks in the warm wind W.J. Ashley.

streaming. Fierce little Jenny! her courage fell, As the firm lines Aickered with friendly


And Greencastle streets gave back the yel! From Scribner's Magazine.

That Gettysburg slopes gave back soon GREENCASTLE JENNY.

after. A BALLAD OF 'SIXTY-THREE. Oh, Greencastle streets where a stream of

So they cheered for the flag they fought steel

With the generous glow of the stubborn With the slanted muskets the soldiers

fighter, bore,

Loving the brave as the brave man ourht, And the scared earth muttered and shook And never a finger was raised to fright to feel

her: The tramp and the rumble of Long. So they marched, though they knew it not, street's Corps;

Through the fresh green June to the The bands were blaring "The Bonny Blue

shock infernal, Flag,"

To the hell of the shell and the plunging And the banners borne were a motley

shot, many;

And the charge that has won them a And watching the grey column wind and

name eternal. drag Was a slip of a girl-we'll call her

And she left at last, as she hid her face, Jenny.

There had lain at the root of her childish

daring A slip of a girl-what need her name?-- A trust in the men of her own brave race, With her cheeks aflame and her lips And a secret faith in the foe's forbearaquiver,


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And she sobbed, till the roll of the rum- child and unused to an unobstructed bling gun

view of the heavens. And the swinging tramp of the marching Standing out as distinctly in my mem

ory as the day on which I first became Were a memory only, and the day was

vividly conscious of the sky is another done, And the stars in the fold of the blue day when, whether for the first time or again.

not I do not know, another form of fear

seized upon me. (Thank God that the day of the sword is I was a little older then, I think, but done,

how old I do not remember. And the stars in the fold of the blue I was in an unused up-stairs room in again ! )

my own home, sitting upon the floor HELEN GRAY CONE. and sailing a little paper boat in a

basin. In the water I had put scraps of paper of various shapes and sizes to represent sea-monsters. I had amused

myself, for a long time, blowing the From Lippincott's Magazine.

boat about and pretending that the pasCHILDISH TERRORS.

sengers were afraid of the whales and A child rarely, if ever, speaks of its sea-serpents, when suddenly it went fantastic fears. We must fall back down,-why, I could not explain. It upon our own memories if we would

seemed to me that it was “coming true," study this aspect of the childish mind. —the sea, the ship, the sea-monsters; And so, encouraged by the example of

that I might be overpowered by the the good ladies in "Cranford,” who horror-haunted waters then and there; whisperingly confessed, the one a secret

and I fled panic-stricken. horror of Eyes, the other a life-long

I think there must have been in my dread of being caught by her “last leg” mind a half-belief that there was a as she got into bed, I recount some of latent life in all inanimate things. I the vividly remembered terrors under know I had a general dread of things which I myself once trembled in silence. "coming to life” or turning to other For, I repeat, the child does not speak things. of these things, which to his own

Springing, I think, from the same attisoberer judgment seem unreasonable tude of mind toward the inanimate and even preposterous.

world was a rooted dread which I had Once, as a very little child, I was for that some day when I was alone with a some reason alone in a wide treeless rocking-chair it should all at once begin place in the country. I suppose I was

to rock. This, I early decided, I posiin reality not far from the house, but tively could not stand. there seemed to me an endless expanse None of these terrors, it may be rearound. As I looked about me I sud- marked, had to do primarily with my denly became conscious of the overpow- personal safety. It was horror rather ering immensity of the sky and its aw

than fear which possessed me in conful unbroken blueness. A crushing templating these imaginary lapses of horror and dread seemed to pin me to the laws of nature. Even a fancy the ground. I stood, a shuddering mite which haunted me that some day my of a girl, alone under that stupendous bath-tub might suddenly turn into a weight of blue, feeling that it might narrow, infinitely deep dependency of descend and swallow me up. I have the ocean is hardly an exception. The forgotten everything but that,-how I dreadfulness of the mere idea of a botcame there, how I got away; but I tomless pit of dark water with seaknow now the precise shade of the ter- serpents in it opening in one's floor outrible intense blue that seemed to be weighed all personal considerations. engulfing me.

From "The Fantastic Terrors of Childhood.” By I should mention that I was a city Annie Steger Winston.

From Harper's Magazine.

pression of the popular will in the THE REPUBLIC OR NOTHING.

choice of a prince. Our opinion and our No one really doubts the adequacy of usage in this matter are what mainly the republic to any imaginable emer- distinguish us from such monarchical gency; or if there is here and there one

republics as England, Italy, Sweden, whose heart misgives him, he has noth- Belgium, and Holland; and with all ing to suggest in place of it. In a com- our diffidence we cannot help thinking pleter sense than we always realize, it that, as compared with ours, their way is the republic or nothing for us. In of choosing a ruler is of the quality of the same completer sense, there is no comic opera, though, in its order, we past for us; there is only a future. look upon the birth of a fellow-being as Something that is still untried may a most serious and respectable incident. serve our turn, but nothing that has Where the republic does not exist at been tried and failed will serve our turn. all, as in China and Russia and Turkey, If we think, what for us is almost un- or as in Germany, where it exists so thinkable, the end of the republic, we feebly and passively that any violent think chaos. Our minds cannot con- impulse of the prince may annul it, we ceive of the rise of the nation from such find indefinitely greater cause for satisa downfall in any prosperous shape of faction with our own democratic repuboligarchy or monarchy; we can only lic. So far as the peoples of these coungrope in the unexplored regions beyond tries acquiesce in their several despotthe republic for some yet more vital isms, they appear to us immature; SO democracy, or equality, or fraternity far as the English, Italians, Swedes, to save us from the ruin into which our Dutch, and Belgians limit their respecown recreancy may have plunged us. tive republics by the birth-choice of a

Love of the republic with us is some- prince, they seem to us not fully rething like royalty in the subjects of a sponsive to the different sorts of revo. king, but it is loyalty to the ideal of lutions which called their republics, like humanity, not to some man, self-elected our own, into being. Even the elective prince in the past, and perpetuated in French republic, where the outlawed his descendants through the abeyance titles of nobility are still permitted of common sense. It is not the effect social currency, strikes us as retarded of any such affirmation as loyalty is in its fulfilment of the democratic desconstantly making; it is the result of tiny. But we make excuses for France, that wary and calculated assent by as we do for England, Italy, Belgium, which alone republics can exist. We Sweden, and Holland, though we canmay not think the republic is the best not help seeing our own advantage in thing that can ever be, but we feel that these respects over republics which are it is the best we can have for the pres- each in some things freer than our own. ent; and that anything better must be We believe that the republic as we something more rather than something have it is, upon the whole, the best form less of it.

of government in the world; but we no We see that the republic measurably longer deny that other peoples have the exists wherever any sort of popular republic because they have hereditary check is put upon the will of the ruler; princes. We believe that the republic and we think it more becoming reason- as we have it, and the yet more fully deable men to choose their prince than to veloped republic as we shall have it, is let his ancestors choose him; we regard the destined form of government for all an election, grotesque and vulgar and nations, but we are no longer eager to imperfect though the process often is, thrust our happiness upon them; and as a civic event; and we regard a par- we do not expect them at once to preturition, though surrounded by all the fer our happiness when it is quite dignity of state, as a domestic event, within their reach. We perceive that not logically of political significance, in none of these free states called kingand comparatively inadequate as an ex- doms is the divine right of kings recognized, and if in the freest of them the cost of the property desired, the sum form without the fact of recognition is he can afford to pay monthly and his still kept up, if the queen's ministers go references. The family's record is down upon their knees to her in assum- looked into, and if there is nothing ing the powers of government which she against it and the applicant seems cannot really bestow, and can never likely to be a desirable patron, the apexercise, and can scarcely influence, still plication is approved and placed on file. we see that it is merely a form. It is a When one hundred such applications droll anomaly which we are rid of, and have been approved, the parties are the spectacle of it in a monarchical re- notified to select lots and choose house public might perhaps foster an inordi- plans, and undergo an examination for nate pride in us, if the democratic re- life insurance. The applicant is given public, as we have it, were not so essen- a close estimate of the cost of his proptially unflattering.

erty when completed, and if he is acFrom "The Modern American Mood.” By Wil- cepted by the life insurance company, liam Dean Howalls.

he then signs a provisional contract and deposits ten per cent. of the purchase price in cash or presents a surety for

that amount. Amonga number of appliFrom The Review of Reviews.

cants, the preference is always given to SUBURBAN HOMES FOR WAGE EARNERS. those who have the ten per cent. in cash.

The City and Suburban Homes Com- This preliminary payment or guarantee pany aims to invest its resources for is required in order to make purchasers the benefit of those who are relatively feel that they have a sufficient interest in the least favorable position to help at stake to cause them to continue their themselves. I do not mean men who contracts. If no preliminary payments have a hard time to get along as ten- were required, it would doubtless be difants, because it would be a mistake to ficult to guard against a class of people encourage such persons to incur obliga- who would be glad to get such homes in tions they would almost certainly be the springtime, live in them during the unable to perform. But mechanics, summer, and depart with the snows of letter-carriers, policemen, firemen, winter, leaving behind a house which clerks, bookkeepers, in fact that great would have to be put in order before a body of persons earning from, let us new purchaser would take it. Where a say, $800 to $1,500 a year—these are the surety is accepted, the first sums paid ones whose patronage is chiefly sought. in are counted on the ten per cent. of the The avenue frontages being more de- purchase price, and whenever that prosirable, and purchasers there being portion is reached the bond disobliged to take at least two lots, it is charged. A guarantor does not, thereprobable that residents thereon will be fore, undertake anything very onerous. a little better off. Indeed, the company In reality, he runs very little risk, for would be glad to build for any one who few men will enter upon a contract of wanted a very desirable residence on this kind without meaning to continue. Seventeenth avenue, and give them the An enlightened employer ought to ensame advantage of saving in point of courage an employee to buy a home cost that it would to its other clients, from the company and offer to guarbut in such cases it would expect im- antee the ten per cent. in whole or in mediate cash payment.

part. Common experience teaches that The process of securing a suburban it is economically advantageous to keep home begins with inquiries at the office, such men. They are more faithful and when the general plan is outlined. assiduous in their duties. Indeed, it Then if the party desires to purchase may be asserted that any man is made he signs an application, setting forth better by purchasing a home or taking his name, nationality, size of his family, out life insurance for the benefit of his amount of bis earnings, character and family. What shall we say of the ef

fects of an arrangement which com- cuted. If one of them should die even bines the two?

before the house was completed, the The City and Suburban Homes Com- face value of the policy would pay for pany insists on life insurance as a the house, and the family would be procardinal feature of its operations. In vided for. All policies are assigned to the first place, no man ought to under- the City and Suburban Homes Comtake the purchase of a home or an obli- pany, and in case of death later the sum gation to pay a large amount of money owed would be deducted and the balwithout assuring his family in the event ance handed over to the estate. of his death in the interim. This prin- The contract between the company ciple has particular force in the case and its clients stipulates a monthly paybefore us, because the purchaser has so ment during ten, fifteen or twenty little real capital and must depend upon years, at the choice of the purchaser. his monthly earnings to carry out the This sum includes an instalment on acbargain. Now, if he dies the family is count of principal, six per cent. interest placed in a very unfortunate position. on deferred payments, and the life inProbably it will not be able to complete surance premium. Taxes and repairs the transaction. Therefore, for the are paid by the purchaser. Clients are sake of the family, as well as for the advised to obligate themselves for a company's protection, it is wise to in- twenty-year period rather than ten or sist on a life insurance policy taken out fifteen, because in so doing they are the at the time when the original contract is better able to provide against continentered into, and covering the purchase gencies arising from non-employment, price.

sickness or other unexpected events. As soon as one hundred houses are That is, a man need not mortgage bis ordered, a contract is made for their income beyond a safe point. The comerection. In this way important econo- pany gives him the privilege of paying mies are effected. The company in buy- sooner if he wishes. Either the whole ing a large tract of land and building or a part of his indebtedness is receivat wholesale saves very considerable · able at any time, and his interest acsums. After a fair allowance for count properly adjusted. This plan perexpenses of management the entire mits a man to provide for "lean” years. saving reverts to the purchaser. There is also the encouragement to save, The company' profit consists in and thus get the home more quickly. six per cent. interest on deferred Both are important considerations, bepayments. Five per cent. of this is dis- cause habits of thrift thus engendered tributed to stockholders and one per are likely to become fixed. Payments cent. is carried over to surplus. Resi- made in advance are a most effective dence in a desirable neighborhood, dur- guarantee against dispossession. The able construction and the offer of such life insurance policy has also a loan favorable terms combine to make the value in any year after the third. Purscheme exceedingly popular. There is chasers of suburban homes under this an immense constituency in Greater scheme are in every respect most favorNew York who are desirous of acquir- ably placed as regards crises, sickness ing homes on a fair basis. The rare op- and other ordinary economic misforportunities offered by the City and Sub- tune. urban Homes Company, when once From "Homewood, a Model Suburban Settleknown, will attract large sums of cap- ment.” By Dr. E. R. L. Gould. ital to be invested through it for this purpose. Still, its aim will not be to secure a monopoly of business, but to fix a standard.

From The Arena. The company is perfectly secure. It

THE ORIGIN OF WALL STREET. builds upon order and has its clients' The twenty-seven respectable citizens lives insured before the order is exe- of New York who, in 1792, met under a

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