Hennes & Mauritz , the world’s second-largest clothing retailer, laid out a plan to pay a fair “living wage” to some 850,000 textile workers by 2018, saying governments were acting too slowly. “We believe that the wage development, driven by for example governments in some countries, is taking too long, so we want to take further action and encourage the whole industry to follow,” H&M said in a statement on its website on Monday. H&M sources most of its garments from factories in Asia, particularly Bangladesh, where a factory collapse in April that killed almost 1,130 people put pressure on big brands to improve the working conditions of those making clothes for the West.