|Title||The Ragged Trousered Philanthropists|
|Chapter||It is not My Crime|
Owen and his family occupied the top floor of a house that had once been a large private dwelling but which had been transformed into a series of flats. It was situated in Lord Street, almost in the centre of the town.
At one time this had been a most aristocratic locality, but most of the former residents had migrated to the newer suburb at the west of the town. Notwithstanding this fact, Lord Street was still a most respectable neighbourhood, the inhabitants generally being of a very superior type: shop-walkers, shop assistants, barber's clerks, boarding house keepers, a coal merchant, and even two retired jerry-builders.
There were four other flats in the house in which Owen lived. No. 1 (the basement) was occupied by an estate agent's clerk. No. 2 - on a level with the street - was the habitat of the family of Mr Trafaim, a cadaverous-looking gentleman who wore a top hat, boasted of his French descent, and was a shop-walker at Sweater's Emporium. No. 3 was tenanted by an insurance