“Merrie Old England” is an accurate description of the good times of the 13th Century. People had refined manners and open hearts. Troubadours sang of idealized love. Chivalry ennobled men and protected women. Secular life was clustered securely around the Catholic Church’s monasteries, universities, and hospitals. Intellectuals abounded. Communities were small so a lot of laws and administration were not needed. The secular guilds were democratic organizations that cared for their member’s earthly needs from the cradle to the grave. There was very little poverty. There were old age and disability pensions, and even insurance of all types.