The question as to the significance of albumin and casts in the urine of apparently healthy men is a much-mooted one, the answering of which, from a clinical point of view, has been difficult on account of the scarcity of cases in hospital and private work, and the impossibility of following them through a number of years. During the late nineties several of the large New York insurance companies began to insure men with this condition, and since then records of a large number of such cases have accumulated. It was through the courtesy of one of these companies that we were given an opportunity to investigate the above-mentioned problem under very promising conditions.
The material placed at our disposal consisted of 396 men, residents of New York City, who were insured during 1900-1901. As far as an ordinary physical examination could determine, they were normal at that time except