II0 German industry certainly at the beginning greatly feared the burden, but up to date there are no reliable statistics to show whether such fears have been justified by experience. The financial charges, however, are of considerable account, and indications as to who are paying the bills must some day be made clear. As regards the relation of insurance laws to public charity, Mr. Brooks believes that there are as yet no pertinent facts to prove that the actual burden of charity has been

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... ened, but he also admits that it would be unjust to the legislation to discredit it for not having produced such results up to date. Mr. Brooks asserts that certain confident claims which were made