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accidents, and what happened to them, their wives and their children, that made him sympathetic. He was very much opposed to it and I was too in my heart. The idea of taxing the State Fund with the cost of accidents for which they'd never collected a premium was contrary to all the principles of insurance. But he finally came to the conclusion that it had to be done. I remember that he said something like this, “After all these are public hazards. Window cleaning didn't use to be so hazardous, but now that the community demands these great high skyscrapers, it's really a community demand. Everybody wants these window cleaners to go off on these high buildings and clean those windows. Everybody in the city wants it. They might just as well be paid out of whatever funds there are, because those men risk their lives not for their employers alone, but for the public necessity.”

There he convinced himself, in this roundabout way, that against the principles of insurance - he knew quite a lot about insurance and its principles - to which he committed himself, it was a public necessity to do it. He said, “What would we do if we didn't? We'd have to take care of that family out of the public funds. They'd be paupers. It's better to do it this way. In the meantime,” he said as he finished the conversation, “Frances, you tell your