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The chance to own a home; chance to own an education; chance to get access to capital. This is the real civil rights battle of the twenty-first century.

And how did little Tim behave?” asked Mrs Cratchit, when she had rallied Bob on his credulity and Bob had hugged his daughter to his heart’s content. “As good as gold,” said Bob, “and better. Somehow he gets thoughtful, sitting by himself so much, and thinks the strangest things you ever heard. He told me, coming home, that he hoped the people saw him in the church, because he was a cripple, and it might be pleasant to them to remember upon Christmas Day, who made lame beggars walk, and blind men see.

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