Suggestions for Legislation Relating to Friendly Societies And for a System of

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" Sometimes, " says Mr. Tidd Fratt, " the club is sold with the goodwill of the house. " The Sharing Out Club is formed on the principle that a halfpenny a week from each member will secure a shilling a week for each sick member for a term which (indepen- dently of all further calculation) is sometimes three, sometimes six months. When this term is expired a similar one commences, during which half the amount only is payable, which is in turn succeeded by superannuation pay, of which more anon.... An extra levy is made in case of the death of a member, or member's wife, or child. All the members pay alike, and each one on joining the club makes a verbal declaration that he is in sound health and of good constitution, or states truly and plainly whether he is more than ordinarily liable to sickness or disease. If his statement is false, he runs his own risk, and on the discovery which his continuance in the club would not fail to make, he is expelled and forfeits all his contributions. The clever but unscrupulous device of the annual dissolution of the club deserves notice.

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