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Las diagrammas suivants lllustrant la mAthoda. rrata i :o pelure, 1 A □ 32X 1 2 3 1 2 3 4 5 6 ■V *, A Qd^: e f f. <:i' k s § fTr,r.MER& 1 Ptm.mer & Rof;En«. Ni w Vork. Tt Nis .\: Co., riiftrn. rniipHoWcit, I O. TtoBrmFCN. McIV'iuT.o. W. C. Eigbt, Adelaide. . l)A\V8(JN & :^0N, >lviitrc»l. M. ( . CllUWm .V <:i'. 'lon.nto I ^V "Mmiloik KmIh.^ .1. <'.ln,i (aii«Tfi»« BMh»MKMlaMMilaai tAMMnmm « 00, Homwopalhto OlMmUt^ iMOOtt. 'By • thoiroagli kaow todga of tlM natanaiam whloh goT«m tlM Qp«i»> ttou of dlgastton «ad nutrltioD, uul by s otn- All wpidloktion of (he iino TTopertlM of waU- MiMtod Ooooa, Mir npps luw iwovldMl our l»Mk> flttt taUea with « iUli> OKtely llaTonrad berange whloh may mva ua many heavy dootora' bllla,'— 74* CMiStrvitKGaMtat, / EPPS'S GRATEFUL (JAMES EPPS & CO., HOMOEOPATHIC CHEMISTS.) COMFORTING COCOA. AIM lCak«n aram'S muer OOOOA (Ooomi ana Oand«uMd iflik). la naa. "LEA & PEREmS'" SAUCE ntoNOuvoiD BT comxoissmnu -•THE ONLY GOOD SAUCE,"- It ImproTai qnptttte aad dlgMtloa, aad fa wuiTallad tet fUM flaTonr. In-eonseqnanoe «( the moteaaed nnmber of imitationa, it ia necewaty to. ASK FOR "LEA &. PERRINS"' 8AU0E. V Sold Wholesale aad for Export, by the Pronrietora, ^winoarter, MeaaraCBoaai ft Bi.aoKwiix, London, and by Drnggiati^ Grooera, and Oilmen generally tluoaghout the world , .^^ Bee the Samea, LEA & PMtBnW, on all Wrappers and lAb^ TOUNOEB & Co.'s OCTOBER BREWINGS LIVERPOOI^i SEEL STREET. DUBLIN— 7 LOWER ABBEY STREET. EDINBURIN, INDIA PALE, AND DINNER ALES. SPARKLING, REFRESHINa NOURISHING, AND TO BE NAD OF THE PRINCtPAL RHAiLERS. •Observe Trade Mario, ss other Brands are fiequently subetitated. Braweriei— Edinburgh. Xitabaahed 174a ' LONDON STORES-BELVEDERE ROAD. S.E. «RISTOL-i4 NARROW QUAY. SWANSEA-QUAY PARADE. GLASGOW-QUEEN STREET. Pry's ' A most delieioiu and valuable article.' 'A paekst oaa eainy Iw oMatned, and Its dalloata flavour aid flaa aroma, OBinra Ita adoption aa a bereraga te bnakiast or an"''— Standard. Caracas Cocoa 'n to tiM vwy tMat Ooooa em eftrnd ta tt»fiitm.>-~CoHH CSbvator. 'Ho aura daUoloi^ raftwHitag. aoufMn tag; aad wholMOBia bavtiagt haa aiar baaa naanfoetaired.'— JToratn^ Pott mmUMIr NIE TEA ■ PACKETS a S8U s> 953t AKITS-OIEMISTS, lu. AuOf> ss== ™ ^ THE QUEEN CHARLOTTE ISLANDS. 201 I am not prepared to say that I approve of them ; but / am prepared to say that the description which Mr Clint has given of Mrs Dixon is as con'ectj as the epithets you have applied to her are unmented.' ' Indeed ! My wife's servant seems to have made an extraordinary impression. I believe you arc a bachelor, and have money to leave away from your relative?. You and these gentlemen' — indicating Mr Cooke and Mr Standish, with a sneer — ' are, of course, at liberty to think and act in this matter as you please. As for me, I consider this house no fit place for my wife, and I shall remove her from it forthwith.' 'Hush, my dear; keep quiet,' whispered Mr Martin to llorence, who, shrinking into the re- cesses of her chair, and trembling, seemed to be trying to speak. — 'I conclude you do not mean that Mrs St Quentin is to leave her father's houso before his funeral V he added coldly. ' / do mean it ; I will not attend the funeral of the disreputable old dnmkard, who was such a fool and such a scoundrel as to be led by the nose by a woman in this way.' He turned suddenly on Miriam : ' You will get rcadv to leave this house in half an hour, and during that time I forbid you to have any conversation with this person.' During this angry dialogue, Miriam had stood quite still beside Florence's chair, not touching ner, not looking at her, but following every gesture of Mr St Quentin ii\ith her great golden eyes, filled with anger, disdain, and a terrible dislike. After he had pulled her up from her knees, she had shaken his hand from her arm, with a loathing shudder, as if a toad hod touched her ; and, even in that moment, he had been conscious of the action, and of the disgust which i.. betrayed. Miriam had never been so completely off her guard before ; he noted the fact, imderstood it, and never foisot it When he uttered this peremptory order, she made one step forward, and confronted nira, her face entirely colourless, her lips set, her eyes gleaming. ' I will not leave this house,' she said, in a low, harsh voice, uttering every syllable with deliberate will ; ' either now, or at any other time, in obe- dience to you. Your detestable behaviour has broken down every barrier of restraint which would have prevented my speaking openly before these gentlemen, my father's friends and my own. I will remain here, and I will see as much as I please of her ' (she touched Florence's hair with a caressing hand), ' whom my father loved, who was more to him than I ever was, or would have known how to be ; whom he has rewarded, to the best of his ability, and whom he appreciated at her proper value. — Gentlemen ! ' Miriam made a gesture with her hand which directed their attention from her- self to Florence — ' in a short time yo-* must have known the truth, which Mr St Quentin's intemper- ate language obliges me to disclose before we nad intended it to be proclaimed. How false every word he has uttered is, you are all aware ; you need nothing to strengthen your conviction of that; but even )u wiu be ashamed of himself when he learns that this lady, my beloved friend, called here Bose Dixon, is Florence Clint — my brother's wife — and that before my father died, he knew it' Mr St Quentin did not leave the Firs ; but neither did he attend the funeml of Reginald Clint He had been somewhat hotly pursued of late by a much-dreaded enemv, fatal to his most cherished pretensions to youthful energy and fascination — gout Aided by the stormy emotions, to which he gav. their passionate wav, it came up with him, and dealt him a hard blow. He found himself condemned to the double humiliation of being Florence's guest and Mr Martin's patient When the wonder and excitement of these events had somewhat subsided, Florence and Miriam, comparing notes of their feelings, found that in the case of each the first conscious im- pression made by the reading of the will had been its elucidation of Mr Clint's mysterious words, its explanation of how indeed, ' after all, he had done his son no wrong.' THE QUEEN CHARLOTTE ISLANDS. In 1776, Captain Cook landed on the northernmost shore of a portion of land in the North Pacific Ocean, which he was unable to define as an island, or as forming part of the American continent He did not claim the covmtry for the British crown, nor did he name it ; but, in 1787, Captain Dixon ascertained that the discoverv consisted of an ex- tensive insular group, of which he took possession in the name of King George, and called it Queen Charlotte Islands Eighty-five years have elapsed since then, and though these islands are healthy, picturesque, and rich in natural resources, no serious attempt has been made to colonise them. There they lie, waste, fallow, and yet marvellously productive, as we are told by Mr Francis Poole, civil and mining engineer, the only educated Englishman who has ever lived on Queen Char- lotte Islands.* The group consists of two large islands, called Graham and Moresby, which, with two smaller islands, measure 180 English miles by 60 at its greatest width. There are numerous islets, among which one called Skincuttle is prominent, and there Mr Poole fixed his head-quarters, when he arrived there, after six days' sail from Vancouver, with the purpose he thus describes : ' I was con- vinced, from observations and calculations I had made on the mainland, almost opposite Queen Charlotte Islands, there was copper to be found in the group of islands which lie out from the coast to the •aorth of Vancouver. This opinion received a singular confirmation from the lact of a native of those islands having brought down a sample of copper ore to Victoria, under the impression that it was gold. In a short time the nucleus of a com- pany was got together, and entitled the Queen Charlotte Mining Company, and I undertook to go and sink the requisite shafts.' Mr Po'>le mentions this very simply, but it was a hazardous under- taking, considering that he had no ' government ' protection, and that the hostilihr of the natives of the islands was well known at Vancouver. But it happened just then that a savage named Kitguen, who claimed the head chieftainship of the islands, was at Victoria, and Mr Poole brought him before the governor, and induced him to promise that his tribe should not molest the party, and that ho * Queen Charlotte Islonds ; a Narrative of DUeovery and Adventure in the North Pacific. By Frands Poole, C.E. Edited by John W. Lyndon. Hutst and BiMkett 16o742 .i 202 CHAMBERS'S JOURNAL. :'a,L would protect them from any othb^ tribe (UspoRed to contest tlieir landing or interfere with their ex- plorations. Kitgnen proved docile and propitious, and Mr Poole gave hini a free passage to his home on board the schooner Rebei . i (20 tons), which was partially chartered to deliver the party and their implements at Queen Charlotte Islands, on her w.^ to the Stickeen Biver gold mines. The voyoce wos ryry stormy, and whe r off Cape St James, the travellers encountered a novel kind of shower-bath, consisting of a sprinkling of sea- water, which swept in a perfect tempest from the surface of the waves, and was driven like vapour before the wind. The British Columbians call it the spoondrift, and it is peculiar to those seas. The coast of Skincuttle is very beautiful, low-lying, and timber-clad. Cedars, huge and venerable ; pines, stalwart, and yet everlastmgly young, crowd almost every available spot of ground. The day after the mining-party landed, the schooner sailed ^ain, and then came a sense of great bolitude. Tne first rain which had fallen for months came down in torrents the next day, and the natives, who had been suffering much from drought, im- puted this happy occurrence to the strangers, so that their safety and popularity wern at once secured. Mr Poole came upon a copper lode almost immedi- ately, and the shaft-sinking was at once commenced by eight workmen, whose services he had secured by very high wages, rendered imperative by the competition in the Victorian market While they worked, Mr Poole — taking one assistant, his gun, and his hammer — explored some of the idets of the group, finding them very beautiful and full of variety, and speedily ascertaining the presence of bears and eagles amid their peaceful, luxuriant scenery. He frequently watched the eagles fish- catching. 'Their practice,' he says, 'is to perch themselves on a high tree, on the verae of some promontory. From thence they come down in one fell swoop upon *he unsuspecting fish, sometimes devouring them, sometimes carrying them away as food for their young. Sometimes the seaguU will try the same manoeuTTC, though, of course, on a very limited scale. Upon that, the ever-watchful eagle, uttering a ferocious shriek, darts instantly after him in pursuit. The bald or white-headed eagle may be seen in every pait of these islands.' Allien was true to his promise, and the white party were well received among the kindly islanders, among whom he made a formal progress. They are a curious kind of savages, given to thieving and liquor, but not devoid of intelligence, and fond of forms and ceremonies. The proceed- ings, on the occasion of the Englishman's first visit, were very formal. Kitguen accompanied him to Laskech, where the chiefs were assembled in coun- cil, and, after a long complimentary harangue, they requested a written testimonial from him, which he gave. They have an extraordinary venera- tion for writing ; any old bundle of waste-paper, if only there are written characters upon it, is precious and sacred in their eyes. After the ex- pedition to Laskech, Mr Poole accepted an invita- tion to sleep at the patrimonial mansion of Kitguen, whose title was Chief Klue. ' His house was a largish one, built in the usual Indian way, of wood laid horizontally in light logs, and slightly elevated above the ground upon a platform. Despite the sheen of the moon, I looked in vain for the entrance, and was beginning to think there must be some Indian dodge in its concealment, with a view to providing against sudden attacks, when a Klootchrnon ^native woman) came to my assistance. Approaching a big hole, throe feet in circumference, and three feet from the platform's base in the front of the house, .^.le very uncere- moniously thrust first one leg through, evidently without touching the bottom on the other side ; secondly, her head and arms ; and finally, by means of a dexterous jerk, dragged the rest of her body after her. This was the door, then. I tried to get into the house as the pretty Klootchman had done, and succeeded at the second attempt The inside of the house was one large room, with a fire smouldering in the centre, but no window or out- let for the smoke. The only rays of light came through the big hole in the walL Cedar-bark mats were spread upon the floor, and upon these we all lay down together, with our feet firewards, and our heads outwards, like the spokes of a wheeL I tossed about nearly aD. night, and as the small- hours advanced, found my head knocking against an upright pole, which served no architectural or ornamental purpose. An impulse seized me to get up and examine it ; but, as that would have looked like a betrayal of fear, I lay still. Presently, an accidental kick from one bf the Indians causecl the fire to flare long enough to reveal to my horrified senses at least a hundred scalps, fastened round the top of the pole, right above me ! Need I say that I made my escape as soon as I could prudently do so?' These savages, though they live more in their canoes than on land, were quite astonished when they saw the white men swim ; they had no notion of the art, in which they differ from all other coloured races. When the shaft had been sunk, and a comfortable log-house built, when Mr Poole had made many pleasant explor- atory excursions, a fleet of strange canoes made its appearance, and Chief Klue announced the arrival of an inimical tribe bent on war and plunder. They began by pretending that they wanted to trade, but they omitted to produce any article of traflic, so they were kept out of the log- hut, and the men were ordered to look to their firearms. That evening, Klue disappeared, it was supposed in search of reinforcements ; and the next day, the weather being squally, the menacing canoes also departed. Mr Poole, thinking there was an end of the affair, went off to the south-west of Skincuttle, where he discovered ' magnificent harbour, but had not time to enter and prospect it. As the exploring party steered into their own little harbour on their return, they beheld it crammed with canoec Each canoe had in it a large crew of Indians, bedaubed from head to foot with war- paint, whilst the clearance around the log-house was crowded with yelling and dancing savages. Of course, Mr Poole concluded that his men had all been murdered, and that the enemy, in full possession of the islet, were merely whiling away the time until he and his companion should arrive to be disposed of in like manner. Under this con- viction. He says : < I resolved to put a bold front on the matter, and venture into the midst of them ; so headed direct for the landing. In another moment we were ashore, and in amongst the savages, who had swarmed down to the beach. I dashed through the crowd, a revolver in each hand, right to the log-house. It was completely in their fe^ THE QUEEN CHARLOTTE ISLANDS. -a 203 possession, but all the men were safe. I had arrived just in time to prevent a massacre.' The Indians nad not, in fact, liowled and danced them- selves up to the necessary pitch of excitement to begin niunlering men v/lio would certainly sell their lives dearly, and Mr Poole's return arrested the proceedings, and substituted a palaver. The moot - question was rather a complicated one relating to blankets, and Mr Poole decided it to the apparent satisfaction of all parties. The details exposed a good deal of treachery, and convinced the white men that they must not neglect strong and vigilantly maintained precau- tions for defence. Shortly sJterwards they shifted their camp to Bumaby Island, a very beautiful spot, where the chief swore eternal friendship, and his daughter visited them, to 'caution them (gainst a bear which had been seen snifling about the island.' Mr Poole went in search of the bear, but did not encounter him ; he did, how- ever, find a very fine vein of copper ; and shot a crow, to the horror of the natives, who firmly maintain their descent from that bird. Hence, they will never kill one, and resent all attempts to destroy the crows' nests which abound. This notion likewise accoimts for the coats of black point with which young and old in all the tribes constantly besmear themselves. On returning from this expedition, Mr Poole had again to settle a quarrel, this time between his cook and the eternally friendly chief, Skid- a-ga-tees ; his endeavours were successful, and the chief sent hira next day a halibut weighing over a hundred pounds! So much for the fish- diet in Queen Charlotte Islands. It was a very dull life. The labour of the day over, or the generally unsuccessful hunting, there vis noth- ing for it but sitting round the log-house fire, Uing ' camp stories,' so that Mr Poole was glad 'when the time came for his visit to Victoria, Vancouver Island, in order to present his very .tisfactory report on the prospects of copper- liuing in the islands. On his return, the work Iwas pushed on with increased vigour, and the Inatives began to take a deep and intelligent interest n it, which proved their capacity for civilisation, "'hey desired to have the results of the processes 'hich they mtnessed explained to them, and ;encrally evinced an intelligence which Mr Poole ionsiders far in advance of that of illitesate white en in England. The size and population of london and of Europe, the properties of gas and iteam, the art of photography, but especially of tele- raphy, filled them with astonishment. When the ihiefs heaixi that ere the present race of Indians very old, those at Bumaby would be able to onverse with their stray friends at Victoria, or ith other tribes on the mainland^ without either arty moving from their respective positions, they eld up their hands amazed. 'Powerful is the hite man, wise and powerful !' exclaimed Klue 'requentlv. It is lamentable to know that nothing being done for these people, of whom Mr Poole lays : ' They need to be continuously guided, atched, and controlled, and that too by exceptional leaching and legislation ; for, to our eternal dis- ce, chiefest of all the requisite precautionary easures is the necessity of keeping them from con- .mination with the average run of traders in the brth Pacific, the majority of whom have a lower oral status than the veriest savage.' The beauty of the islands is equal to their pro- ductiveness ; and the climate, never in extreme, is salubriouM and delightful. Mr Poole was obliged to relinquish his post, in consequence of the persistent ill-conduct of the white men m his employment, but not until he had thoroughly investigated the resources of the islands, and satisfied himself of their immense extent and value in future schemes of colonisation. He says, deliberately, in summing up his experi- ence : ' It is a land of enchantment. One can hardly feel melancholy living bv those beauteous uninhabited shores. Such varied and magnificent landscapes, such matchless timber, such a wealth of vegetation, such veruure and leafage up to the very crests of its highest hills ! Its agricultural and mineral prospects are undeniable. Where does another climate exist like it, uniting the charms of the tropics to the healthiness of temperate zones, and yet remaining free from the evils of either? No rat or reptile has fixed its home on these islands, nor even a noxious insect Fogs are very rare. The storms, if sometimes severe, are mostly sea- storms, invariably following a law, and never lasting long. The snows, on the coldest day in winter, dissolve soon after touching the ground; while the sun, during much the greater portion of the year, sheds its effulgence, but not its glare, the whole of the live-long day down upon that virgin country.' With the natives, more especially the Skid-a-gates, Mr Poole believes much might be done. When he found his men quite unmanage- able, and determined upon leaving the islands, the grand question was, how was he to get away i The mutineers laughed at his remonstrances, and had nothing to fear from his threats. But he consulted Klue, and resolved upon a most courageous and adventurous course. One day, a grand state canoe, which the white men had never seen, and did not know of, came sailing like a huge swan round the headland. Then the mutinous miners saw that the fame was up, and that, if they dared to touch Mr We, they would be overwhelmed by the loyal natives. He briefly told them he was about to leave the island, and make a canoe-voyage to Vancouver. They were to be left in responsible charge of the mine and implei nents, to be supplied with ammunition and sufiacie it provisions to last them until a ship could arrive with fresh orders, or to take them away. They sullenly acquiesced. Mr Poole's belongings were put on board the spacious canoe, and Mr Poole took his place in it The scene, as he describes it, was very impressive. 'The workmen hung sulkily bock, while the rocks and woods were filled with Indians to see me sail away from among them. They did not cheer nor weep, but they moved their arms up and down with a sort of moan or wail. The heavens were lit up with streaming splendour, while the sun began to sink low to the westward. My eye caught a curved line running along the far east from north to south ; this curve formed a part of the mighty range of the Cascade Mountains ; fit barriers to mark an empire. Between us lay, calm and serene, the wide waters of Queen Charlotte Sound, reflecting the golden hues of the realms above. With one steadfast gaze upon the beautiful isles of the sea I was leaving, and one farewell wave of the hand, I turned to commit myself to the most arduous voyage perhaps ever made in the North Pacific Ocean.' The impression made by Mr Poole's narrative is 204 CHAMBERS'S JOURNAL. altogether favourable, both as regards Queen Char- lotte IbIoikU aiid their inhubiUnts. The natives are physically, intellectually, and morally superior to any other of the North Pacific tribes, and are quite exceptionally well disposed towanls white uten. They have some vague notions of a religion, of a Great Spirit and a future life ; they are not cruel or revengeful, and not vicious, except that, like all Indians, they arc inveterate gamblers. They have a sad kind of native music, and they cook tlieii food, two indications of rudimentary civilisa- tion. They keep many festivals, but the celebra- tions are innocent enough — they certainly are not ' oigies.' The women are decidedly good-looking, and both sexes have naturally fair complexions ; the ' black' in their case being entirely artificial. The institution of marriage is quite unknown, as also is polygamy. So much for the people. The place produces valuable minerals, and the soil is incom- parably rich. The timber is superb and various. Potatoes grow in large quantities. Fruit of fine quality is abundant, and the creeks and streams swarm with fish. Queen Charlotte Sound is a playground for whales and porpoises. Tiic stock of game is marvellous in profusion and variety. 'For twenty years hence,' says Mr Poole, 'no colonist of the islands need starve if he possesses a gun, and can hit a haystack.' The present breeds of bears, seals, ermine, and marten, would supply fur enough to make the fortunes of half-a-dozen fur companies. The native population numbers less than five thou- sand. It is a remarkable fact that the natives know nothing of the use of spears, or bows and arrows, so that until they got muskets from the white men, the game on the islands had a pleasant time of it. Even now the Indians are only able to shoot on occasional seal, or at most a duck or a goose. These isles of the Fi>: West lie directly in the high-road of the immense system ol ^rce which will be established in the not v *ant future, when unbroken steam and rail in, .u. . lica- tion with the North Pacific Ocean will give to England and Canada a new outlet for the exports to tne western sea-boards of the two Americas, and, farther on, to Japan, China, and Australasia. < If, therefore,' says Mr Poole, at the conclusion of hb most interesting narrative, 'their beneficent climate, and the magnitude of their mineral and agricultural resources, be judiciously apjpraised beforehand, their prosperity will be secured. A COUNTING-HOUSE ROMANCK IN NINE CHAPTERS.— CONCLUSION. The two partners here each drew a sigh of relief ; and the old gentleman said : ' I presume you think that Mrs White is not dangerous — will not trouble us?' ' I don't know ; I should not like to trust her far,' said Capelniann : ' she is nearly as bad aa her brother, and of a more desperate temper. But — but I can silence her.' The baker seemed to speak this with a little reluctance. ' I don't like to do it^ but right is right. You have committed bigamy, sir ' — to Mr Ambrose this, of course, was said — ' you must excuse my plain speaking ; you have committed bigamy, but so has she ; and what is of more im- portance, she married again before you did. Her name from that marriage is Hirrisley. I don't know how you came to cull her White ; but she may have the same sort of right to that name, for all I know; it's likely enough; but, at anyrate, she married a man before you had been out of the country two years. She is a great coward at tho idea of imprisonment She nas a superstitious dread that she shall end her days in a jail or a lunatic asylum, and upon that feeling I can work.' ' But can you prove her marriage ?' asked Mr Perrow ; ' and will the second husband come for- ward t Who is he / Where is he ? We never heard of him. Do you know anything about him ]' ' It must come out, I suppose,' said Cupelniaun, with more hesitation. 'Her husband is mv poor sister's child, the very party that your clerk con- sulted at the Dover, and my nephew.' This communication, which was utterly unex- pected by the partners, seemed to surprise and startle them more than all which hud gone before. ' He — he had been sent away by government to Bermuda, Mr Ambrose,' continued Capelmann ; ' that is the fact, and that is how he came to know you in the West Indies. I hardly remember how he first met Harriet Gyllon, but, at anyrate, they were married before they had known each other six weeks ; and they didn't live togethrjr a year. To upset such rascality as Vann is plotting, poor Hirrisley will come forward, althougli he is very reluctant to do so. He is very poor, and gets but & frecarious living by following races, and so on ; still, do assure you that he 's not a bad fellow when you come to know him ; and if you are disposed to do anything for anybody after this business is settled, I should like you to do it for him. Wtdl, gentlemen, I have said all now ; and I think we old everybody safe enough.' ' I should think we did ! ' exclaimed the old. gentleman exultingly. ' My dear sir, you have saved the house of Perrow and Son, and whatever we do in return, we shall still be, and must always remain your debtors.' ' Of cour"" if they like to be obstinate,' said the cautious baker, ' they can do you some harm still, but not venr much ; her bigamy takes the sting out of it From what I know of the people, how- ever, I think they are quieted.' ' I will take my chance of that,' said Ambrose, and then the three shook hands. Some very rare wine was produced from a closet, and with a re- petition of histories on all sides, and comments thereon, the sitting was prolonged until nine o'clock ; realising the worst fears of the clerk in waiting, who, by this time, was driven almost frantic under a sense of his injuries, and a desire I to annihilate the corpulent stranger. When at last, with excited manner, beaming faces, and general laughter, the three came out, the clerk assumed an expression as near to the demoniac scowl the occasion demanded as he I dared. 'Oh, by-the-bye, Steele,' exclaimed the elder I partner, 'you will see that Jarvis has the keys of I the office ; give them to him before you go. And, [ Steele, I am afraid we have kept you a most unreasonable time ; but you can take all to-morrow as a holiday, to make up for it.' I The three passed out, leaving the young cleikl in a world which had suddenly changed from all| that was dork and gloomy to a rose-strewn, myrrh- scented bower. The morning was one of the brightest which I can cheer an early spring, and aa a long spell ofl aVtVAh LZFB AB817SAN0B. iconiSH Provident Institution, HEAD OEFICE— 6 ST ANDREW SQUARE, EDINBUROa iONDON, i8 KING WILLIAM STREET, E.C. SHORT STATEMENT OF PRINCIPLES. THE Scottish Provident Institution alone can be had the advantages rf MUTUAL ASSURANCE in eombination with MODERATE PREMIUMR laatead of changing rates admitt«dl;|r higher than are neceaaai7,4ind afterwards retaming the exoese, portion of it, in the shape of periodical Bonuses, it gives ;froin the first as large an assaiuce as the linuuns will with perfect safety bear, and reserves the Whole Surplus for those members who have ^d long enough to secure the common Fund from loss on account oi their individud i ssunmceSi A Pdieyfor £1200 Praninm aenenOly charged to assure £1000 only ; while the effect of ntervtng the Surplus (instead ef shairinff it with d indiscriminately) has been, that Policies originally for £1000, which have shared Jat thiw divisions. have already been increased to £1400, £1600, and even to £180a K, TERMS are thus well calculated to meet the requirements of intending Assurers. They an cially adapted to the case of Provisions under FAMILY SETTLEMENTS, where it is of importanoa lecnre from the first, for the smallest present outlay, a competent provision, of definite «mount^ in tha I of early death. ANNUAL PREMIUMS for AsstmANca or £100 jus Death (with ntorrrs). Age. 26 3> 3* 33 34 35 Payable during Life. Limited to ai Payments. ^ Payable during Life. ' Limited to 91 Paymenti. Age. Payable during Life. Limited to ■»t Paymenia. £1 18 6 1 19 2 1 19 11 2 8 2 1 6» 2 2 6 2 3 5 2 4 6 2 5 .7 2 6 10 £2 13 2 13 6 2 14 1 2 14 8 2 15 4 2 16 2 2 17 1 2 18 2 10 '3 2 3« IS 40t 4> 4* « 44 AS £2 8 2 2 9 8 2 11 3 2 12 11 2 14 9 2 16 8 2 18 8 3 11 3 3 8 3 5 9 £3 1 5 8 2 9 3 4 3 3 6 9 3 7 «t 3 9 2 3 11 1 3 13 1 3 15 3 .3 17 6 4« 49 SO 51 5* 53 54 55 £3 8 6 3 11 5 3 14 8 3 18 1 4 I 5 4 5 6 4 9 5 4 13 « 4 47 8 5 1 n £4 4 2 8 4 6 8 4 8 9 4 12 1 4 15 5 4 18 10 5 2 5 5 6 8 5 10 2 t,.,.^ ' -^ person of 30 may secore £100 at death for £2, ls.'6d. yeariy during Hfe. I The Premium for £1000 is thus £20, 15s. only ; which, if paid to any of the otlSr Scottish Mutual I Offices, would secure a Policy for £800 instead of £100a it To PROPBSSIONAL MEN or others, whose income «(epends on the oontinnaaoe-«f health, the system Assurance (under the second column) ii recommended by which the Premiums are limited to a specified liber. At age 40 the Premium, eeating a« ajps 60, is, f«r £100(^ £83, 14& 2d., being about the same as these I require during, the whole of life. TRANSFER OF ASSU'RANCEa Terms are also peculiarly -siiited to the case of manympanie8, are -now. making inquines >«ith the .view of transferring their uro* ons to an Office^ undoubted itAbility. —or Tie transfer to other Offices ^onld, in a^jnoet every mstance, entail a loai^ Whovas the change ^ in many cases, be made to thia Lastitrdon with advantage, even on the score of outlay. The imium usually cbaiged, say at age 30, for ';1000, is aboat J26.; the Premium here ehaiged for age 37 mj £Sij 16a. 8d. So that one who hU assured with such an Office tvm ysora btfirt would not lummg the emitinuance of health) be snbjected to any increase ia his Yearly .Payments, while he |ht to receive a sum in Jkand from the (rflier «ffice for the Sunendec Tbm Aooomillated FimtUi exoded £1,900,000. NotwiOutancBng its Iow>ratea, no <^oe of same age has so large a fond, or shews so large an increase from year to year. Theiaverage Inoivaso for jie time has been upwards, of £190,000 a year. Cc^pJM of the Annual Rxpobts, and very ktfcrmatkm, mty he had m api^ieatitm. -^ ^^ . „ JAMES WATSON, .ATonaww. Edimbvboh. February 1872. •' GLENFIELD STARCH, is the only kind used inl Her Majesty's Laundry,! If tiikrb ark any Ladibb who have not yet u«ed the QLENFIELD STARCH) I they are respectfully solicited to give it a trial, and carefully foUow out the direotionil printed un every {lackage, I Ah there axe several imitationB of the OLENFIELD STARCH, offering atl t)resent, see that the name R. WOTHERSPOON & Co. ■ IS ON EACH PACKET. ,^^WHEl^LERkWlLSON S "^■"^'t^ Silent LocK-Stitch SEWING MACHINES These Machines are Lent on Hire at Small Monthly Payments, to become the Property of the| Hirer when a certain number of Payments have been made. Further Particulars upon Application. CHIEF OFFICE- 139 REGENT STREET. CITY DEPOT— 43 ST PAUL'S CHURCHYARD. LIVERPOOL .. 73 Bold Street, LEEDS .. .. 41 Commercial Street son's Place. LtC^C^UO .. .. 41 V-OMMEKCIAL OTKEKT. \ ta«»«wy*V»AO J YORK 27 CoNEV StREF.T. BIRMINGHAM Exchange Buildings, Stephen- ( ■Orancnes. ^PLYMOUTH 149 Union Strekt. NORWICH 31 London Street. DUBLIN I Stephen's Gree:4.I W No Machine it Oenuine without the above Trade Mark i» affixed. Peter The most Extensive Stock in Europe. For detailed particulars of Fashion, Fabrics, and Price, | see the Illustrated Papers. Robinson's Patterns free. 103 to 108 OXFORD STREET, W. Silks & Dresses. .B nd used inl Laundry,! D STARCH, t the directionil offering atl / FOOT MACHINES, 6 r I N E A s.| operty of thel DHYARD. I London Street. | J CoNBV Street. (9 Union Street. Stephen's Green.I ope. :s, and Price,! sesJ