,P>T #b1 ,*APT] #d 
,MUTUALISM 9 ! ,S]VICE ( ,CAPITAL 

#ahigahig 

,PEOPLE 3 

,AU?OR 3 ,B5JAM9 ,R4 ,TUCK] 

,TEXT 3 

,MUTUALISM 9 ! ,S]VICE ( ,CAPITAL4 

.<,LIB]TY1 ,JULY #a#f1 #a#h#h#g4.> 

,9 A LONG REPLY TO ,$W>D ,ATK9SON'S REC5T ADDRESS BE=E ! ,BO/ON ,LABOR ,LYCEUM1 ,H5RY ,GEORGE'S ,/&>D IMPAIRS ! EFFECT ( MU* S\ND & EFFECTIVE CRITICISM BY ! FOLL[+ C>ELESS /ATEM5T37#i#a 8 #a7 

,MR4 ,ATK9SON DOES NOT EV5 KN[ ! NATURE ( HIS [N BUS9ESS4 ,HE TOLD HIS AUDI5CE ?AT HIS REGUL> WORK IS TO /OP ! COTTON & WOOL5 MILLS FROM BE+ BURN$ UP4 ,?IS IS A GRAVE BLUND]4 ,FIRE 9SURANCE COMPANIES >E 5GAG$ 9 DI/RIBUT+ LOSSES BY FIRE AMONG ! 9SUR$4 ,AS A /ATI/ICIAN HE KN[S ?AT /ATI/ICS %[ ?AT 9 ,NEW ,HAMP%IRE1 :5 ! ,/ATE WAS BOYCOTT$ BY ! 9SURANCE COMPANIES1 ! NUMB] ( FIRES WAS R$UC$ BY ?IRTY P]C5T4 ,HE DOES NOT SAVE BUILD+S FROM FIRE47#i#a 8 #b7 
  

,?IS IS A GROSS SL&] ( ONE ( ! MO/ ADMIRABLE 9/ITUTIONS 9 ,AM]ICA1--NONE ! LESS ADMIRABLE 9 ESS5CE BECAUSE IT HAPP5S 9 ?IS 9/ANCE TO EXI/ = ! B5EFIT ( ! CAPITALI/S4 ,MR4 ,GEORGE UNW>RANTABLY ASSUMES ?AT ,MR4 ,ATK9SON IS 5GAG$ 9 AN 9SURANCE BUS9ESS ( ! EV]YDAY SORT4 ,?IS IS F> FROM TRUE4 ,HE IS ! PRESID5T ( AN 9SURANCE COMPANY DO+ BUS9ESS ON A PR9CIPLE :I*1 IF IT %\LD BE ADOPT$ 9 ! BANK+ BUS9ESS1 W\LD DO MORE TO ABOLI% POV]TY ?AN ALL ! NO/RUMS IMAG9$ OR IMAG9ABLE1 9CLUD+ ! TAXATION ( L& VALUES4 ,?IS PR9CIPLE IS ! MUTUALI/IC1 OR CO/1 PR9CIPLE47#i#a 8 #c7  

,SOME TIME AGO A NUMB] ( MILL-[N]S DECID$ ?AT !Y W\LD PAY NO MORE PR(ITS TO 9SURANCE COMPANIES1 9ASMU* AS !Y C\LD 9SURE !MSELVES MU* MORE ADVANTAGE\SLY4 ,SO !Y =M$ A COMPANY ( !IR [N1 9TO ! TREASURY ( :I* EA* MILL PAYS ANNUALLY A SUM PROPORTIONAL TO ! AM\NT = :I* IT WI%ES TO 9SURE1 RECEIV+ IT BACK AT ! 5D ( ! YE> M9US ITS PROPORTION ( ! YE>'S LOSSES BY FIRE PAID BY ! COMPANY & ( ! CO/ ( MA9TA9+ ! COMPANY4 ,IT IS OBVI\S ?AT BY ! ADOPTION ( ?IS PLAN ! MILLS W\LD HAVE SAV$ L>GELY1 EV5 IF FIRES HAD CONT9U$ TO OCCUR 9 !M AS FREQU5TLY AS BE=E4 ,BUT ?IS IS NOT ALL4 ,BY MUTUAL AGREEM5T ! MILLS PLACE !MSELVES1 SO F> AS PROTECTION AGA9/ FIRE IS CONC]N$1 UND] ! SUP]VISION ( ! 9SURANCE COMPANY1 :I* KEEPS 9SPECTORS TO SEE ?AT EA* MILL AVAILS ITSELF ( ALL ! BE/ MEANS ( PREV5T+ & EXT+UI%+ FIRE1 & USES ! UTMO/ C>E 9 ! MATT]4 ,AS A CONSEQU5CE ! NUMB] ( FIRES & ! AGGREGATE DAMAGE CAUS$ !REBY HAS BE5 R$UC$ 9 A DEGREE ?AT W\LD SC>CELY BE CR$IT$2 ! CO/ ( 9SURANCE TO !SE MILLS IS N[ NEXT TO NO?+1 & ?IS CO/ MI<T BE R$UC$ /ILL FUR!R BY CUTT+ D[N AN 5ORM\S SAL>Y PAID TO ,MR4 ,ATK9SON = S]VICES :I* NOT A FEW P]SONS MORE 9DU/RI\S & CAPABLE ?AN HE >E READY TO P]=M = LESS MONEY4 ,MR4 ,ATK9SON'S 9SURANCE COMPANY1 !N1 DOES SAVE BUILD+S FROM FIRE1 & ,MR4 ,GEORGE'S /ATEM5T ?AT IT DOES NOT IS AS RECKLESS AS ANY?+ ?AT ,MR4 ,ATK9SON EV] SAID TO PROVE ?AT ! LABOR+ MAN IS AN 9HABITANT ( P>ADISE47#i#a 8 #d7  

,MOREOV]1 IT IS ! HEI<T ( /UPIDITY = ANY *AMPION ( LABOR TO SLUR ?IS 9SURANCE COMPANY1 = IT CONTA9S 9 G]M ! SOLUTION TO ! LABOR QUE/ION4 ,:5 WORK+M5 & BUS9ESS M5 %ALL BE ALL[$ TO ORGANIZE !IR CR$IT AS !SE MILL-[N]S HAVE ORGANIZ$ !IR 9SURANCE1 ! =M] WILL PAY NO MORE TRIBUTE TO ! CR$IT-MONG] ?AN ! LATT] PAY TO ! 9SURANCE-MONG]1 & ! ONE CLASS WILL BE AS SAFE FROM BANKRUPTCY AS ! O!R IS FROM FIRE4 ,YET ,MR4 ,ATK9SON1 :OSE DAILY LIFE %\LD KEEP ?IS TRU? P]PETUALLY BE=E HIS M9D1 PRET5DS ?AT ! LABOR] CAN A*IEVE ! SOCIAL REVOLUTION BY LIV+ ON BEEF-BONES & US+ WAT]-GAS AS FUEL4 ,CAN ANY ONE ?9K HIM S9C]E87#i#a 8 #e7 

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