26 FEBRUARY 1916, Page 14

• WHO'S TO BLAME ?

[TO THE EDITOR OF THE SPECTATOR:]

Sm,—Against expert advice, we were culpably under-insured in an unsound Mutual Office of our own formation. Consequently, we have to go for salvage and create apparatus to extinguish the conflagration whilst it is raging. Meantime the fire masters can only endeavour to prevent it spreading. Cavillers should recollect that the Germans have not got to Paris and have not destroyed the Russian Army. Let us hope that those who come after us may not forget the lesson. It has been wisely. said that most nations get as good a Government as they are fit for or deserve.—I am, Sir, &e., ONE OF THE CROWD.