There seemed never to be an end to the things they had to buy and to the unforeseen contingencies. Once their water pipes froze and burst; and when, in their ignorance, they thawed them out, they had a terrifying flood in their house. It happened while the men were away, and poor Elzbieta rushed out into the street screaming for help, for she did not even know whether the flood could be stopped, or whether they were ruined for life. It was nearly as bad as the latter, they found in the end, for the plumber charged them seventy-five cents an hour, and seventy-five cents for another man who had stood and watched him, and included all the time the two had been going and coming, and also a charge for all sorts of material and extras. And then again, when they went to pay their January's installment on the house, the agent terrified them by asking them if they had had the insurance attended to yet. In answer to their inquiry he showed them a clause in the deed which provided that they were to keep the house insured for one thousand dollars, as soon as the present policy ran out, which would happen in a few days. Poor Elzbieta, upon whom again fell the blow, demanded how much it would cost them. Seven dollars, the man said; and that night came Jurgis, grim and determined, requesting that the agent would be good enough to inform him, once for all, as to all the expenses they were liable for. The deed was signed now, he said, with sarcasm proper to the new way of life he had learned--the deed was signed, and so the agent had no longer anything to gain by keeping quiet. And Jurgis looked the fellow squarely in the eye, and so the fellow wasted no time in conventional protests, but read him the deed. They would have to renew the insurance every year; they would have to pay the taxes, about ten dollars a year; they would have to pay the water tax, about six dollars a year--(Jurgis silently resolved to shut off the hydrant). This, besides the interest and the monthly installments, would be all--unless by chance the city should happen to decide to put in a sewer or to lay a sidewalk. Yes, said the agent, they would have to have these, whether they wanted them or not, if the city said so. The sewer would cost them about twenty-two dollars, and the sidewalk fifteen if it were wood, twenty-five if it were cement.

So Jurgis went home again; it was a relief to know the worst, at any rate, so that he could no more be surprised by fresh demands. He saw now how they had been plundered; but they were in for it, there was no turning back. They could only go on and make the fight and win--for defeat was a thing that could not even be thought of.