under the provisions of the "Employers' Liability Act" of 1880. By these means, for a small payment, the men, or their families, become entitled to a substantial sum in case of death or disablement, without any delay or any question being raised as to the circumstances of the accident from which they suffer, and this is far more to their advantage than being left with the questionable privilege of claiming under the Act, with all the delay, expense, and doubtful result of legal proceedings. Moreover, a state of good feeling is engendered between the men and their employers which could not be the case to an equal extent if each were taught to look upon the other as a possible opponent in litigation, and any legislation such as has from time to time been threatened in the direction of preventing the men from contracting themselves out of the provisions of the Act is justly viewed by the majority of the London and North-Western employés with dislike and dread, and is much to be deprecated alike in their interest and that of their employers. The premiums payable by the members are as follows:—
| Class | 1.—Passenger Guards, and Breaksmen, and (optionally) men of other grades receiving wages of 21s. per week and upwards | 3d. per week. |
| „ | 2.—All other Wages staff, except those in Class 3 | 2d „ |
| „ | 3.—Boys and Persons whose Wages are under 12s. per week | 1d „ |
