Addresses and papers on life insurance and other subjects . the alleged need of state pensions in old age, andclaims are made for the necessity of state insurance, someeven going so far as to suggest a compulsory system, such asis in operation in Germany and Austria; but contemplatingthe wonderful results which private initiative has achieved inthe United States in this field of voluntary thrift, my minddoes not recall a similar achievement in other fields of com-merce, finance or philanthropy, nor can I conceive of a social 139 Life Insurance and Other Subjects institution more deserving of p
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