rTo THE EDITOR OF THE "SPECTATOR."]
Sin,—I am making an investigation into the detailed working of contributory pension schemes in Germany and Austria, with a view to finding out haw far they could be applied in the United Kingdom. In the event of either political party granting pensions at the expense of the State, continual demands for increases of the amount and reductions of the pension age seem likely to result. Agitation of this kind could probably beat be met by advocating a scheme by which the contributions would be provided by those who will benefit. The great objection, which consists in the difficulty in obtaining anything from the poorest class, is done away with if they have obtained a minimum pension out of State funds, and they may be excluded from the contributory scheme. I should be glad to hear from any readers who have studied this question, as I am anxious neither to duplicate labour nor to continue my inquiry if it is already being undertaken by others.—I am,
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