New York Herald from New York, New York • 25

SECTION 3 EIGHT PAGES mt. Real Estate-Gardens STATEN ISLAND, LEAST KNOWN AND MOST UNEXPLO I TED SECTION OF GREATER NEW YORK, HAS NUMEROUS CHARMS Land in the Borough of Richmond Can Be Purchased Cheaper To-day Than Property in Many Places Not So Attractive and More Remote From Manhattan Although a part of New York city, enjoying all tho benefits of tho city's municipal departments and at tho same time containing attractlvo residential communities of suburban character, Staten Island Is the least known and the moat unexplolted section of Oreater New York. Land in the Borough of Richmond may bo purchased to-day for fraction of tho cost of rial estate In equally desirable sections of the other boroughs or In Mew Jersey, yet Staten Island, In the opinion of those who live there, has charms suporisr to thoso of any district within foinmuting, distance of the business sectloiu of tho ''city. Oeorgo William Curtis, an ardent admirer of tho Island onco said "God might havo mado a more beautiful place than Staten Island, but He never did." While residents of other places may be Inclined to dltagrce with this sentiment, it cannot bo denied that the Island Is blessed with so many natural advantages that tts comparatively slow determent remains ono of the unexplained mysteries the history of the city's growth. Recently, however, Staten Island teems to havo taken a new lease on life, and In the words of Louis W.

Kaufmann, assistant recretary of Staten Island's progressive Chamber of Commerce, "real estate conditions havo never been better, and Richmond Borough. Is at last com-injf Into Us own." Many causes have contributed to this new awakening of real estate activity In the borough, chief among them the acute housing shortage which exists to-day. The Island offers a wide field for building development, and has within Its confines locations for homes which are varied enough in character to appeal to every taste-Its Merita Unappreciated. The average New Yorker Is mora familiar with places far distant from the city than he is with Staten Island. The very nearness of tho latter it would Mtm has caused it to be overlooked.

It is a strango fact that (ew dwellers In Manhattan reallze'that on Staten Island, within about half an hour of Wall street, may bo found a rango of hills which for plcturesqueness and beauty compare Very favorably with any ccenery nlong the Atlantic coast. These highlands, and tho shore and Inland territory surrounding them, offer places of residence within easy reach of the financial and shopping districts of the city yet away from turmoil and congestion of the metropolis. On Staten Island are homes of all types from tho most simple to tho most expensive. In addition there aro already a number of modern and attractive apartment houses, and more are being planned for tho near future. Lo LAND VALUES A SPUR TO HOME BUILDING Unimproved Realty No Dearer Than Before the War--Building and Loan Associations Generous In playing poker and in buying land the dollar will go as fur as it ever did.

It Is tho remarkable paradox of the housing problem in tho metropolitan district that the one form of property that Is not more costly than it was in the summer of 1814 Is real property land. It. the upper reaches of The Bronx, in Westchester and In tho northern counties of New Jersey, thero aro countless unimproved lots which a man with limited resources and desire for a home tan purchase on tho same or better terms than before the war. This Is demonstratably true no real estate man 11I dispute It. The situation offorB hopo of considerable amelioration of housing condl-tons during tho summer.

The big bulld-s, the men who build apartment houses, are still waiting for the end of the Liberty Loan campaign nnd an ex-rected loosening of money for mortgages, but a large amount of building has been started or contracted for In tlm suburbs. Real estate brokers, architects and builders report a rush of applicants nmonj people of moderate meanawho have lived for years In Manhattan apartments but whose thoughts have been turned toward country life by tho congestion that becomes more acute with each month. Many I'rohloma to lie Solved. What Is tho problem of tho flat dweller who tackles the undertaking of aam.ring a home for himself? The avt-agu New Yorker knows that If he tayb In his subway train long enough wul eventually reach it terminal within walking dUtance of open country, houses with yards around them, grabs and ilowers. knows that tM possession of land In a fair countryside would be desirable, but for months has heard of the ilslnj costs of materia, and labar that has made building tho apartment house district he Kif.s bejt prohibitive.

When the thought of country life recur to him the spectre of costs accompany thnm "i-l ho la apt to reject tho Idea with lh fjr tho lost opportunities of the 5'iars Mhcn things were cheap onslder the position of a man with esour.i-., 0f $1,200 and knowledge of how to Lincoln Park, a station on the main liny of tho Putnam Division In icii.K. r.i l.lin olii 'K is select be-caui. la t) pCaj 0 a thousand colonic 'r ine metropolitan district. Originally corj. ii-jtu development, ownership ha heen jilit up Into many Individual holdings, it has good lighting, water and k'-werago Several years ago tho city of Yontcers built a modern public school that wHi hmo ample accommodations 'or ail of tl.u population the area It 'rea will A walk of five minutes hl take ono to tho Jerome avenuo a hue which connects with the ujwa The Putnam Division of tho 'w Vor ciijrnl also serves the terrl-' Lincoln Park, lots may be ob-' rt'.

J2C0, Three lots of twenty- cal real estate men ore enthuslastlo oyer tho Island's future aa tho home of mgh class apartment buildings, and that the erection of apartments within easy reach of the ferry terminal la the bent possible solution of the question of taking care of New York's countless homo hunters. A few weeks ago Thi fjew published tho details of a novel cooperatively owned apartment house which Is 1,0 orectcd it St. George This building, which Is to command a magnificent vlow of the harbor. Is unusual in several respects. Each owner of an apartment Is to havo a small private garage of his own and a section of the garden adjoining the apartment house, all for the modest sum a year.

This project Is being engineered by Cornelius G. Kolff. a prominent Staten Island real estate dealer and secretary of the Staten Island Chamber of Commerce. Steps Taken to Secure Tabe. For many years Staten Islanders have been advocating the construction of a subway or tubo from the lower end of Manhattan to, and through Staten Recently a committee of representatives of tho various clvle organizations of the borough called upon the transit committee of tho Board of Estimate and were given a cordial reception.

At that timo it was Intimated by tho city officials that the Public Service Commission would at onco start work on the plans and surveys for tho projected routes. fc If a direct tubo is constructed from the Battery to St George, the route which seems to be tho most popular of the several which havo been suggested, it will be possible for a man to leave his home in St. George and arrive 'at his office In downtown Manhattan In twelve or fifteen minutes. At present Staten Island Is reached by the Municipal ferry boats running at frequent Intervals from the Battery to St. George, and taking about twenty-five minutes for the trip.

These boats are among the finest of their type in the world. The trip down the bay, past the Statue of Liberty and Governor's Island, and past vessels from every quarter of the world. Is ono that never loses its fascination. Many Staten Islanders say that even when the projected tube is built they will prefer the water route because of its magnificent views of the harbor and of lower Manhattan. They assert that the view of the city as the boats approach or leave the Battery Is Inspiring and that the ride to work In the morning Invigorates them.

After reaching St. George, the terminal of the ferry line, transportation to the different sections of the Island Is afforded by tho Staten Island Rapid five feet frontage each will give adequate yard space. The Investment for land would be $300. Where Specialists Agree, Now for the house. Specialists on the building of single family dwellings are pretty near agreement on the proportion 1 1 1 1 1 I Ul llltrutuu iur wuui aim juaicu.i six room frame house that would have cost $3,200 four years ago will cost $4,300 this summer.

This dwelling, with tho cost of tho land In a suburb like Lincoln Park, will bo f.gurod to cost $5,200. We are considering this house In relation to the man who has (1,200 in cash and a salary adoquate to meet the Interest on his building loan and amortization of the principal say tho man earning $40 a week. How Is this man going to get a loan and on what terms? He can't borrow from the life Insurance companies, the banks or the title companies. He never could. There remains the building and loan associations.

THE SUN learned this week that the building and loan associations aro dealing generously with prospective home owners. They are willing to figure on a loan of $4,000 on the Lincoln Park example as set forth. It should bo understood that the security must be a first mortgage on the improved property. In other words, the land must be acquired free and clear. The Price of Land Will Go Up.

The venture will require Immediate action, for the price of land will go up. It Is cheap now becauso of a lark of demand that Is fostered by the difficulties of building, difficulties which, so for as tho individual builder Is concerned, are Illusory. Land will advance as the demand for It Increases, Just as rents have advanced because of the pressure on housing accommodations. The prospective builder may have some difficulty In locating the building and loan association which is at the moment willing to talk business on a basis satisfactory to him. The building and loan associations of the metropolitan district have resources of of which a large part is static In existing mortgnges.

The supply of avail-eblo cash In tho possession of each of there Institutions governs Its attitude at the moment nnd the applicant may have to go to several before he finds one in a position to accommodate him. Newark hR more building and loan associations thnn any other city in the United States except Philadelphia. There are 230 institutions In Newark, so the market of the prospective borrower on a tnortgago is not limited. Illtmtrntlou Htlll Applies. Tha Illustration ns given applies In the case of tho prospective home buyer nf more creiieroLiR meaiiH.

The Increased cost will hold true to tho proportion I given and ho may obtain a more deslr- shin slto as cheaply oJ ho could have NEW YORK, THIS ATTRACTIVE STUCCO RESIDENCE. AT LIVINGSTON, STATEN ISLAND, ON IT WAS ERECTED ABOUT THREE YEARS AGO AND CAN BE. PURCHASED TODAY FOR Transit Railway Company nnd tho Staten Island Railway Company and by an excellent system of trolleys, which, starting from the ferry landing, spreads like a fan In every section of the north and east shores and extends as far as the county seat at Richmond. St George, the first Staten Island community reached from Manhattan, has a number of handsome municipal buildings. Including a modem Borough Hall, court house, and a beautiful library.

In St. Georgo are excellent public nnd private schools as well as churches, stores and modern apartment buddings. done several years ago. In addition, his mortgage market will not bo so restricted. He may find national banks In the suburban city, near which he thinks of living, willing to lend him, though probably not on us easy terms ns those offered by the building and loan Institutions, or he may finance his proposition temporarily with an agreement for a loan from a savings bank on the completed Improvement.

Building in the suburbs has been stimulated by a good deal of speculative Investment. Joseph P. Day has given his powerful support to this form of undertaking and has contracted for group houses In a number of suburbs. Arthur Lawrence, of tho family that has made Bronxvllle, rie.plte Its unattractive name, an examplo of the builder's art at tts best, has started much work In that village. Mr.

Day nnd Mr. Lawrence assume much responsibility, but they do not have to worry about building loans. Other builders with ample resources profess to hesitate over the high cost of things, but the assurance of an ade quate return on the Investment Is certain to bring a good many of them into the field bfore summer Is far advanced. Altogether it promises to bo a prosperous summer In the suburbs, nnd one that will contribute not a little toward helping the, situation with the city. TO SELL REALTY IN 3 STATES.

J. P. Day Will Auction Varlonc Choice Parcels May 20. A diversified list of properties, for the account of various owners and es-tptes, will bo Included In the special sales day to bo held by Joseph P. Day on Tuesday, May 20, in tho Vesey Street Salesroom nt noon.

Vacant and improved properties In Rhode Island, Yon-kers, The JSronx, Brooklyn, Long Island and New Jersey Are represented. Amunc tlem the Green Inn at, Narragansett Pier, a three ftory frame hotel, containing forty rooms, with about one-half acre of land. Tho' hotel is to be sold fully furnished. On the property In a largo garage capable of holding fifty automobiles. Two fresh water springs nro on the grounds.

Other parcels are as follows: 348 to 350 West 'Forty-seventh street, near Ninth avenue, 23x100.5 each, three five story brownstone tenements 272 West Thirty-eighth street, near Eighth avenue, a four story mid stre, brick building, 10.8x99 thn southwest corner of Willow avenue and 137th street. The Ili ciiX, a large vucant plot, fir the estate of Lucls A. Palmer, 72 Highland avenue, Yonkers, a three story frame containing fourteen rooms and bPth, 104.0x15x103,8; for the estate of Alter G. Spenser, two largo plots on Broadway and Avon place, Amltyvllle, L. I CSxl98 nnd 100x234, Irregular; for the estate of Charles II.

Helburgh, 207-20, 217, 219-221 Lexington avenue, nenr Bedford avenue, Brooklyn, five two story nnd basement brownstone two family dwellings, each 20x101, and a three story frame resldenco at Monmouth Honch, located on Ocean Park uud Railroad avenue, containing eighteen rooms with all Improvements, also a lfrge garage. Don't fail to read tho tenth in-Htalment of Tho Delightful SUBURBAN PASTORAL dealing with the adventures of Arabella and Jonathan in search of a suburban home. It will bo found on page 8 of this section. SUNDAY, MAY 4, 1919. Copyright, 1019, by the Sim On St.

George Heights, which name has attached Itself to the hillside overlooking the ferry landing and New York harbor, are some of the finest residential sections of the Island. Among tho residential communities on the highlands of Staten Island are Fort Hill, Just above St. George Heights, which acquired Its name' from a fort erected there during tho British occupation of New York. Fort Hill Is 200 feet above tidewater and has now many beautiful residences. Next to Fort Hill como Pavilion Hill, Ward Hill and Grymes 5th Ave.

Apartment Hotel To Be Apogee of Luxury he apartment hotel which Is shortly to be erected nt 969 Fifth avenue, south corner of Seventy-eighth street, in the sacred precincts or Millionaires Row, Is to be one of the most luxurious structures of Us kind ever built in this or any other city. It will contain many novel features designed to mako life easy for the tenants. It has been the aim of those In charge of the project to reduce tho cares of housekeeping to a minimum and to provide o-ery convenience to be found in tho largest and most modern hotels, at the Rime timo preserving the intimate, homelike at mosphere not to bo found In tho larger hostelries. The new building is nut designed to enter to large families, as the suites are of two, three and six rooms a rather unusual arrangement for apartments on Fifth avenue, whero tho few already in existence aro divided into large npart-ments containing more rooms than the average dwelling and returning nn an nual rental from each apartment sufficiently largo to purchase outright handsome estate In the suburbs. While tho suites In the projected building will bo small the rooms will be latge, an attractive feature of earh suite being a living room 1Sx25.

Other Hill, Pavilion Hill deriving Its name from an amusement resort for many years maintained on the top of the hill which lies back of Tompkins-vllle. Ward Hill Is named after Judge Ward, its former owner, and Grymes Hill hears the namo of an old Staten Island family. Emerson Hill Is named after Ralph Waldo Emerson and Ills brother. Judge William Emerson, who resided there for many years. This section commands a beautiful view of the lower bay and the ocean, and Is ono of the most attractive residential colonies on Staten Island.

It 1 rooms will be largo in proportion. Each suite will contain. In addition to Its living and bath rooms, numerous spacious closets and a large pantry from which meals prepared in the general kitchen will be served. The general kitchen will be In charge of a corps of chefs, and service can be obtained In the tenants' apartments at any hour of tho day or night. To further relievo the tenants from worry over the servant question tha management will provide valets nnd maids whose services can be obtained at moment's notice.

The building has boon designed by George and lCdward Blum, architects, of 605 Fifth avenue, and Its exterior will be in keeping with the exclusive neighborhood In which It is to be locatod. The building will be fourteen stories high, with basement. A roof garden Is to bo installed On the first floor will be a large banquet room with reception hall attached, for tho benefit of those tenants who wish to entertain on a larger scalo than would bo possible In their own apartments. The new building in to occupy the site of tho former residence of W. Ijiwronce, a flvo story American basement dwelling fronting 26,8 feci on PrinUnp and Publishing Association.

PLOT 60 IOO. CONTAINS 8,800. TERMS 1,500 CASH is reached by tho Richmond, Now Dorp and Midland Beach trolley in twenty minutes from St George. Todt Hill wafl named by the early Dutch settlers. It is 417 feet abovo the sea, and Is pi Id to be the highest point on the Atlantic const between Maine and Florida, and affords a view of tho Orange Mountains on one sldo and the ocean on the other.

It Ja a (wenly-mtn-ute walk from tho Four Corners road, which Is about twenty-fUo minutes from St. George by trolley. Dongan Hills, r.obably one of the Fifth avenuo and 100 feet on Seventy-eighth street. Mr. Lawrcnco parted with the dwelling last December to the Park Realty Company (Maximilian Morgen-thau) In a deal in which he acquired tho I.eonorl Hotel, at tho southoast cor ner of Madison avenue and Sixty-third street.

The combined value of tho properties Involved In tho exchange transaction was placed at the time at $1,500,000. This Is Uie third tall apartment house venture on tho "Avenue of the Allies" to be definitely launched within the past four months. Tho other projected apartment houses are to bo erected on the property owned by tho estate of the late Grant B. Schley at tho south corner of Fifth avenue and Sixty-fifth street, next to tho Astor family mansion, and at tho north corner of the avenuo and Beventy-socond street on property formerly owned by the late James Still-man. These apartment house projects have aroused the bitter opposition of the Fifth Avenue Association and of otner organliatlons, who claim that the Invasion of upper Fifth avenue by apartment houses will destroy the beauty of the one remaining section which has not been marred by tall buildings.

They assert that Fifth avenue Is a Bource of national prhlo nnd that Its appearance should be a matter of Interest to every New Yorker. At a meeting held about two weeks ago at the IlnnkerB Club by the Fifth Avenue Association committee was formed to tight for building regulations which would prohibit the erection of any structuro over seventy-five feet In height In tho district bounded by Fifth and Madison avenues, Slxtloth and Nino-ty-nlnth streets. REALTORS TO GATHER AT ATLANTIC CITY Will Explain How They Saved Government $1,500,000. The National Association of Real Estate Boards, composed of expert real estate mon or realtors aa they are called from all sections of the country, will hold Its nnnunl convention at Atlantic City during tho last week In June. The realtors are determined to showlg buflne8s men throughout tho country that the scientific principles of appraisement, buying nnd conservation of real estate as employed and perfected by the realtors of the United States Housing Corporation during tho war are applicable to after war neods and problems.

The United States Housing Corporation, under the direction of the Department of Labor, saved the ceuntry $1,600,000 through the expert handling of alt the Government realty transactions Involved In providing homes for war workers In the overcrowded Industrial centres. REPORTS ACTIVE MARKET. J. O'ltrllly to Handle Increased Ilualnrna by Zones. Thomas J.

O'Reilly, prominent real estate broker nnd dealer In mortgages, reports that his business has grown so rapidly In tho past few months that It haH becomo necessary for him to add additional departments to his organization to take caro of tho business by zones. Thomas C. Martin, formerly nssoclated with John Flnck, and also tho Investment department of the Nov York Title and Mortgage Company, Is assuming management of this now department for Mr? O'Reilly. EIGHT ROOMS AND BATH. AND BALANCE ON MORTGAGE.

best known residential districts on tHo Island, Is a high lying plateau, 375 feet above tho sea. It is immediately below Todt Hill, and embraces the beautiful residential sections known un Dotlgan Hills Reservation nnd tho Richmond County Country Club section. It is twenty-fivo minutes from tho St. Georgo ferry terminal by trolley. Further alone tho same lino are Richmond Hill, Green Ridge, Huguenot Heights, Sandy Rldgo and Bcntley Heights, the latter part of tho village of Tottcnvllle at the southern end of CO OPERAT IONNEEDED TO START BUILDING Federation Plans Huge Conference to Together Factors in Construction Industry Lack of coopeiatlon betueen tho various factors concerned In tho construction Industry, rnther than tho high cost of materials and labor.

Is responsible for the retardation of building enterprises In this declares Ernest T. Trigg of Philadelphia, president of the National Federation of Construction Industries. Beforo the much longed for building boom can be got under way, saya Mr. Trigg, these various factors Including, of course, labor, capital and the consumer1 must bo brought together in a common understanding of tho actual conditions facing tho building trade. It is lth tho idea of bringing them into touch with each other that the directors of tho National Federation of Construction Industries are considering the calling of a monstor conference for tho "democratization" of the construction Industry.

At this conference manufacturers, consumers, distributers, labor, agriculture, transportation and fhinncn would bo represented. Tho manufacturing Interests would bo represented by delegates from the 128 different crafts directly or Indirectly producing buildlni: materials. The distributers would lncludo representative of wholcsalo and retail Interests, contractors, architects, engineers supply houses. Jobbing houses, builders' exchanges and others. The consumer would Include representatives from 134 granges, twenty-four farmers' national headquarters, twenty-nine national farm-era' organizations, 221 State agricultural associations, national uud State real estate associations, Federal nnd State highway commissions, building commissions, Labor would bo represented by delegates from national and State organizations; finance by men associated with trust companies, building and loan associations, bond companies and other banking Institutions concerned with con-structlon, and transportation by members of the United States Rnllway Men's Association and officials of Individual steam and electric roads.

Have Worked Lone on Detnlls. Tho directors of tho fedtrntlon have been working for weeks on tho details oC tho conference, and representatives of tho various groups concerned havo held several meetings. The most recent of these meetings was that held by representatives of tho producing and distributing Interests In a largo Eastern city a few days ago. "For the past two years," said Mr. Trigg, In discussing the purposes of the contemplated convention, "building construction In the Unltid States, except that undertaken by tho Wnr Department, has been nt a standstill, ami it is estimated that the delayed ronvtrtirtlmi pro.

gramme Includes from COO, 000 to houses necdoM Immediately to meet Real Estate Men See Great Future for Island as Population of City Grows the Island. Bentlcy Heights was named after Christopher Bllllp's Bhlp, the) Bentley, Below these heights and on the harbor side of Staten Island are South, Midland and New Dorp beaches, the playgrounds of thousands during tho summer months. All of these beaches afford flno bathing facilities nnd are easily accessible from Manhnttan or Brooklyn. South Reach adjoins Fort Wadsworth, tho Imnienso coast defence and military reservation upon which tho Government has expended many million dollavs. Further to the south nro Great Kills, Eltlngvllle and Annadale and Princes Bay.

Hero aro nttractlvo homes and ampin facilities for fishing, Bailing' and yachting. Inland nro tho pretty villages of Castleton Corners, Willow Brook, New Sprlngvlllo nnd Richmond. On tho Kill van Kull and Newark Rny side of tho Island are New Brighton, Snug Harbor, West New Brighton, Tort Richmond, Tower Hill, Elm Park, Mariners Harbor, Arlington and Port Ivory. On this sldo of the Island thero are not only attractive residential communities but Important commercial enterprises. At Tompklnsvlllc, New Brighton.

Stapleton, Port Richmond and Mariners Harbor are progressive stores and large commercial enterprises, as well aa excellent schools nnd other city conveniences. District II in Jinny Traditions. One of tho attractive residential colonies on Staten Island Is Arrochar, a short ride from St George. In the early days, when the Dutch and Huguenot settlers first established themselves on tho Island, this settlement was known as Dorp nnd referred to ns Oude Doi-p, or Old Town. It was hire that tha Attorney-General of tho New Netherlands had his summer home.

It was) this ofllclal who caused tho "peach war" with tho Arrochar Indians by killing an Indian woman whom ho found stealing his peaches. Arrochar to-day has a number of handsome dwellings, tennis and other clubs, and Is conveniently situated for thoso who enjoy boating, bathlns and fishing. Staten Island, becauso of Its natural advantages and picturesque beauty, has been the home of many men nnd women who havo figured prominently in the history 'f tho United States. Among thoso who lived thcro were Aaron Burr, Daniel D. Tompklnx, Commodore Cornelius Vanderbllt, Garibaldi, Santa Anna, Ralph Waldo Emerson Nathaniel Hawthorne, George William Curtis and many others.

the requirements of tho people of this country. This condition, It appears. Is psychological rather than material. Labor Is aallable, money Is nt hand, material la abundant and the need for construction Is pressing. All of the el-menta for active business nro present, but construction does not resume.

Many of the peoplo of tho United States seem to feel that wo shall revert to pro-war prices, nnd they are apparently postponing construction until reductions In prices aro realized. An examination of tho history of prices shows clearly that after none of tho wars of modern, times In any part of the world have prices reverted to the pie-war "The Increase In prices In the United States during the recent war has been much less than elsewhere, with tho ix-ceptlon of Australia and Now Zealand. Nevertheless prices here are not hlgher than they were before the war but glvo promise of having reached new permanent loved, 'This Information, however, has not filtervd down to the mass of tho people, and tho directors of the federation feel that they should call together, for tho llrnt timo In the history of the I'nltcd States, a conference In which all the parties directly or Indirectly Interested In the construction Industry may como to nn understanding relative to the new economic conditions with which tho United Statea is nuw confronted. To DcmncrntWn Industry. "It Is believed that such a conference would devise a construction programme applicable to present conditions.

The directum of this federation, potentially representing nno-thlrd of tho buslne-n firms of the 1'nltrd nnd IntereMod primarily In the construction Industry, feel that existing clam distinctions aro un-Aini'rlcaii Hint new HiimUrds of carrying on tho construction huslnm must be formulated that thu construction Industry must be democratized, and that unity of purpopo nnd fairness of action will result If the of the several groups concerned will sincerely seel; the solution of our present difficulties, Our troublo serins to be a lack of Information and of understanding, n.n exaggeration of the Importance of group Intcrebts and a mutual distrust, arising chiefly from a Ini of contact and acquaintanceship between tho members of thn several groups. Wo have all acknowledged tho solidarity of tho human race, but we have failed to recognize tho necessity applying tho tamo principle to business, "Labor, agriculture and commerce have failed to apprehend fully their nec. ossary Interdependence. This Is not to be wondered nt when wo remember that hitherto agricultural code-ties havo met by themselves, organized labor by Itself and commerce by itself, and each Ins taken "ounsel now bust to advance its own Interests without obtaining tho nd-vlco or InfoimnM of ons.derliig the effert upon the iher tw This nv sided view Is the aato man; uf im' difficulties and estrangements. 4.