FOOTNOTES:

FOOTNOTES:[1]Robert Blake: Admiral and General at Sea.By Hepworth Dixon. London: Chapman and Hall. 1852.[2]Biographical and Critical Miscellanies.[3]History of Great Britain, c. lxi.[4]He had been lamed for life, by a wound in the thigh, at the battle of Portland, 1653.

[1]Robert Blake: Admiral and General at Sea.By Hepworth Dixon. London: Chapman and Hall. 1852.

[1]Robert Blake: Admiral and General at Sea.By Hepworth Dixon. London: Chapman and Hall. 1852.

[2]Biographical and Critical Miscellanies.

[2]Biographical and Critical Miscellanies.

[3]History of Great Britain, c. lxi.

[3]History of Great Britain, c. lxi.

[4]He had been lamed for life, by a wound in the thigh, at the battle of Portland, 1653.

[4]He had been lamed for life, by a wound in the thigh, at the battle of Portland, 1653.

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In the dominions of the Czar, the backs of the serfs suffer a weekly titillation as insufferable, although not so deadly, as the less frequent knout. When it comes to Wednesday, they begin to imagine that they are not exactly comfortable; on Thursday, the natural moisture of their skin seems fast drying up, and they are in an incipient fit of the fidgets; on Friday, the epidermis cracks all over, or makes-believe to do so; and on Saturday, the whole population, with a shout of impatient joy, rush to the bath-house of the village, like a herd of bullocks in the dog-days to the river, and boil themselves in steam. When thoroughly done, they come out, beautifully plumped, as the cooks say, and feeling fresh and vigorous, and as fit as ever they were in their lives to encounter a new week of serfdom.

An annual process analogous to this takes place in our own country. In spring, we begin to look wistfully at the garden, to watch the opening of the lettuces, and count the colours of the pansies. As the season advances, we wander into the fields, examine curiously the thin grass, and turn an admiring eye towards the green hills in the distance. As May breaks upon us in sunlight, though the east wind is still chill, we half persuade ourselves that this reallyisthe season of love and sentiment; and when the month ripens into June, when the grass beneath our feet actually deserves the name of a carpet, when the trees are rich and umbrageous, when the birds are in full song, and the roses in full blow—then the hitherto indefinite longing of our heart acquires strength and purpose. The dry streets look unnatural; the formal lines of houses offend the taste; the air is close and hot; the younger children look pale, and their elder sisters languish. The month is at length out, and we wonder how we have survived it. The thing can no longer be borne: the town looks and breathes like a pest-house; whilehill-sides glimmer in our waking dreams, broad seas stretch away till they are lost in the golden light—

'And dying winds and waters nearMake music to the lonely ear:'

'And dying winds and waters nearMake music to the lonely ear:'

still worse—everybody that is anybody is off to the country and the sea, and we rush madly after.

But the country? Where is the country? That is the puzzle. In our youth, we knew many a quiet village, many a fine beach, many a sheltered bay, where one might wander, or swim, or muse, or rusticate in any way he chose. The village has grown into a town; the beach is lined with villas; the bay swarms with vessels, and its shores with population. Every eligible spot on the coast becomes the resort of country-goers, till it is no longer the country. All local advantages are taken advantage of, till they disappear. The citizen, charmed with the countryness of the spot, builds his box by the water-side; the speculator runs up lines of houses; a handsome inn rises in the midst; and benevolent individuals hasten to the new centre of attraction, loaded with every kind of commodity men stand in need of, and are likely to buy. Here, in Scotland, on the Clyde, which is the grand sanatorium of the east as well as the west country, this process of change is remarkable. The once wildly beautiful shores, wherever there is not a town or a village, are dotted with trim white villas, glimmering here and there among the trees. The angles of the lochs, where these diverge from the parent stream, are covered with houses. The Gair Loch, which we remember as one of the sweetest mysteries of a mountain lake whose banks ever echoed to the songs of poetry and love, is a snug suburban retreat. The entrance of the Holy Loch, and of the dark and awful Loch Long, are fortified against the spirit of nature by groups of streets. At the heretofore quiet village of Dunoon, slumbering at the foot of its almost obliterated castle, you might lose yourself in the wilderness of new habitations. Gourock, on the opposite side, where in our boyhood the fairies disported round the Kempuck Stane, is a bustling town, with a suburb stretching along the Clyde, nearly as long as the long town of Kirkaldy, on the Forth; and at Largs, the barrows of the ancient Danes have become the cellars of the sons of little men, who confine spirits in them, as the prophet Solomon used to do, with a sealed cork. The once solitary island of Cumbrae is the town of Milport; the hoary ruins of Rothsay Castle are almost buried in a congeries of seaport streets and lanes; and, smoking, sputtering, and flapping their water-wings, scores of steamers ply in endless succession among these and a multitude of other places of renown.

All this, we may be told, is as it should be; a house is better than a hut, and the conveniences of civilised life better than roughing it in the desert: but we will not be comforted. Roughing it! that is just what the smoke-dried citizen wants occasionally, to prevent his blood from stagnating, and keep his faculties in working order. Physically, at least, we are not half the men we were when we used to rumble, and sometimes tumble, in stage-coaches, exposed to all the excitement and adventures of a journey; or to get as sick as forty dogs, tossing about whole days and nights in a sailing vessel. Then, when we landed, how delightful were the miseries of a cottage; the makeshifts, the squeezing, the dirt, the hunger—that veal-pie wasalwaysleft behind!—the hunting of the neighbourhood for eggs for the children, the compulsory abstinence for three days out of four from butcher-meat, and the helpless dependence upon the chapter of accidents for everything else!

Now, we get into a railway carriage, or the cabin of a steamer, and after taking a book or a nap for an hour or two, raise our heads, and find ourselves, somehow or other, fifty miles off—in the country. The country is a genteel house in a genteel street, or a nice villa in a row of nice villas, where we are surrounded with all the conveniences we enjoy at home. The very society is the same; for our friends, Thomson and Smith, and the whole of that set, have brought their families to the same place for summer lodgings—it is so agreeable to be among one's acquaintances. Then we begin to enjoy ourselves: we have conversation-parties, and dancing-parties, and balls, all the same as at home. We enjoy our newspaper, as usual, in our comfortable reading-room. In the morning, we take a stroll or a dip, or drink water at the Wells, which, although undoubtedly nasty, is undeniably wholesome. Then there is a steamer in sight, and we all hasten to the pier, to ascertain if we know anybody on board. Then we dine early, for onemustdine early in the country. Then we take a nap; then another stroll; then there is another steamer to watch; then we drink tea; then to the pier again. This time, the vessel's head is pointed homewards; and as she breaks away from the land, we follow her with our eyes till she is swallowed up in the distance. Then we turn away with a sigh; go back to our lodgings; lounge into bed; and fall asleep in the midst of the delightful sensation of having nothing to do, and being in the country.

All thisisdelightful, no doubt; every bit as good as being at home. Our aim, in fact, is to carry home with us—to feel as if we had never left No. 24. The closer the resemblance between our country lodgings and our town-house, the better we are off; for we then get what we have come for—change of air—without any sacrifice of comfort.

But we doubt whether 'change of air' has so limited a meaning. Hygienically speaking, it includes, we suspect, change of habits, change of diet, change of company, change of thought. The miseries of the old country lodgings were better for the health than the comforts of the new. The very grumbling they gave rise to was a wholesome exercise. The short allowance was worth a whole pharmacopœia. The ravenous appetite that fastened upon things common and unclean was a glorious symptom. We came back strengthened in mind as well as body. Our country sojourn had the effect of foreign travel in opening the heart and expanding the intellect; it smoothed away prejudices and upset conventionalities; and the ruddy glow of our sunburnt cheeks was the external token of the healthy natural tone of the feelings within. No; this passion for comfort and gentility in the wilderness, is a bad sign of the generation: it bespeaks effeminacy of character, and a vanity which, however graceful it may be thought in the town, shews mean and ridiculous among the hills, and woods, and waters of the country.

Among our neighbours on the continent, the summer move is not so universal as with us. In Paris, for instance, everything is considered the country that is outside the barriers; and in the fine season, every bourgeois family is outside the barriers at least once a week—eating, drinking, dancing, and singing. Then there are the walks in the Bois de Boulogne, and the picnics at St Cloud, and the excursions to Versailles: wherever there is green turf and shady trees, you hear the sounds of mirth and music rising in the clearest, brightest atmosphere in the world. Thus a sojourn out of town is not a necessity. They take change of air by instalments, and pass the summer in a state of chronic excitement.

In other parts of the world, the move is as entire as with us; and in at least one instance, all classes of the population desert the cities at the same time, and flock to the same sea-side. To be sure, this sea-side is somewhat extensive, and there need be no more crowding than is social and comfortable. An amusing account of the migration, and of the summer lodgings of Central America is given in Mr Squier'sNicaragua, recentlypublished. The state of Nicaragua occupies that part of the Isthmus lying between the lake of the same name and the Pacific, the distance between being in some places only about fifteen miles. In this narrow tract there are several large towns, such as Grenada and Leon, which, in spite of the breath of the two oceans, get smoke-dried by the time the dry season advances into March. Then comes on the 'Paseo al mar,' or bathing-season, when a great portion of the population, taken not merely from the upper classes, but from the bourgeoisie and Indian peasantry, rush down to the shores of the Pacific. 'At that time,' says Mr Squier, 'a general movement of carts and servants takes place in the direction of the sea, and the government despatches an officer and a guard, to superintend the pitching of the annual camp upon the beach, or rather upon the forest-covered sand-ridge which fringes the shore. Each family builds a temporary cane-hut, lightly thatched with palm-leaves, and floored with petates or mats. The whole is wickered together with vines, or woven together basketwise, and partitioned in the same way, by means of coloured curtains of cotton cloth. This constitutes the penetralia, and is sacred to thebello sexoand the babies. The more luxurious ladies bring down their neatly-curtained beds, and make no mean show of elegance in the interior arrangements of their impromptu dwellings. Outside, and something after the fashion of their permanent residences, is a kind of broad and open shed, which bears a very distant relation to the corridor. Here hammocks are swung, the families dine, the ladies receive visitors, and the men sleep.... The establishments here described pertain only to the wealthier visitors, the representatives of the upper classes. There is every intermediate variety, down to those of themozoand his wife, who spread their blankets at the foot of a tree, and weave a little bower of branches above them—an affair of ten or a dozen minutes. And there are yet others who disdain even this exertion, and nestle in the dry sand.'

This kind of gipsying expedition to the sea in summer would hardly suit the form of European, or at least British civilisation; but we do not see why, in the one continent more than in the other, one's country lodgings should be required to resemble a town-house. In the Clyde, which we have mentioned as a resort for summer loiterers, there is one exceptional place—the island of Arran. Here the Marquis of Douglas has determined, with much good taste, that his property shall not be vulgarised by the new style of country lodgings, and so far from feuing the ground, he will not permit even a pier to be built for the accommodation of visitors. The village, accordingly, is simply a line of thatched cottages, which, in the fine season, are filled to overflowing. A few houses of more pretension stand on the other side of the bay; but, in general, no one sets his foot in Brodick who has not made up his mind to rough it pretty much in the fashion of the last generation. Sometimes, on the occasion of a holiday in Glasgow, which is six hours' steaming distant, the village is flooded with a moving population that can neither find house-room on the island nor means of quitting it the same day. Then comes a scene of something more than Mexican roughness. Shawls, cloaks, plaids, are the only substitute for tents, and a bush or a tree the only shelter from the summer wind. Such wandering companies are rarely short of provisions, for they have a wholesome dread of Highland hunger; and hearty is the feast and loud the merriment, as they sit thus, houseless and homeless outcasts of the Clyde. The night comes on, neither dark nor unpleasantly cold, and the trooping stars assemble in the heavens, and look down on the slumbrous waters, as bright and new as they were seen of old from the hill-tops of Chaldea. Higher swell the hearts of the spectators for a time, till, yielding to the influence of the hour, lower and lower sink their pulses of emotion, like the tide of the lately panting deep. Their voices fall; their words are few and whispered, then heard no more; the lights of the village disappear one by one; the last door is heard to shut; there is silence on the earth.

We never heard of anybody being the worse of this adventure, although it is a kind of roughing we would not positively recommend to Miss Laura Matilda, or any of her fair sisters. We would givethema thatched roof over their heads, a weather-tight room for their slumbers, and a substantial wall between them and the couple of cows that yield their warm milk in the morning. We would afford them a homely sitting-room, with no temptation to keep them within doors for a single moment, except during their brief and humble meals. We would plant their tabernacle in some lonely place on a hillside, or on the shores of a romantic loch, an hour's smart walk from any society they are accustomed to at home. We would have them make acquaintances of the said two cows; of both the dogs, even the surly one, which cannot for some time understand who or what they are, or what business they have there; of the hens, that present them with newly-laid eggs to breakfast; of the five or six sheep, to whom they are evidently objects of curiosity and admiration; of that sociable goat, which accompanies the sheep to the hill like one of themselves; and more especially of the little boy, who is proud of being called the herd; and of the cotter and his old mother, and his wife and two young daughters. We would insist upon their feeling a kindly interest in these new friends, one and all; on their taking leave of them individually when coming away; and on their carrying home with them an impression which would sometimes, in the crowded street, or the hot room, well suddenly up in their hearts like a fresh stream, or pass across their cheeks like a breath of mountain air.

Depend upon it, we lose much humanising feeling, much true refinement, much of the poetry of life, in parting with the roughness of our Summer Lodgings.

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The origin or prototype of so many of our European arts and customs has been found in the 'central flowery land,' that it is not surprising to hear of the Chinese having begun to use paper-money as currency in the second century preceding the Christian era. At that time, the coinage of the Celestials was of a more bulky and ponderous nature than it is at the present day; and we may easily believe that a people so cunning and ingenious, would contrive not a few schemes to avoid the burden of carrying it about; as the man did, who scratched the figure of an ox on a piece of leather, and went from door to door with that until he had found a customer, leaving the animal, meantime, at home in the stall. There was a deficiency, too, in the ways and means of the government: money was never plentiful enough in the imperial coffers. At last, to get out of the difficulty, it was determined to try the effect of a paper-currency, and an issue was made of assignats or treasury-warrants, which, being based on the credit of the highest authorities, were regarded as secure; which fact, with their facility of transfer, soon brought them into circulation. Of course, a good deal of legislation was expended on the measure, before it could be got to work satisfactorily, and it underwent many fluctuations in its progress towards permanence. The intestine wars to which China was exposed at that period, by overturning dynasty after dynasty, led one government to disavow the obligations of its predecessor, and the natural consequences of bad faith followed. After circulating with more or less success for five hundred years, the government paper-money disappeared.

This happened under the Ming dynasty: the Manchus,who succeeded, gave themselves no trouble to restore the paper-currency; on which the trading portion of the community took the matter into their own hands, and by the time that their Tatar conquerors were quietly settled in their usurped authority, the merchants had revived the use of paper. They were too sensible of its great utility not to make the attempt; and since that time, they have gone on without any aid from the state, developing their plans as experience suggested, and so cautiously as to insure success. This result is, however, far below what has been obtained by Europeans. In comparison with ours, the banking-system of China is in a very primitive condition; theirs is extremely limited in its application, each city restricting itself to its own method; and while the means of intercommunication are imperfect, there is little prospect of improvement.

One example may be taken as an illustration of the whole; and we avail ourselves of a communication made by Mr Parkes to the Royal Asiatic Society on the paper-currency of Fuhchowfoo, for the substance of the present article. As in other places, the system was started in the city of Fuhchow by private individuals, who began by circulating among each other notes payable on demand. As the convenience of such a medium became apparent, the circulation was extended, and ultimately offices were opened for the special purpose of issuing notes; but as the only guarantee for their security was the character of those who put them forth, the circulation remained comparatively trifling, until their credit was recognised and established. Not till the first quarter of the present century did the use of paper become extensive or permanent; and now, everybody in Fuhchowfoo prefers notes to coin.

As no licence is required, any one may commence the banking business, and at first considerable mischief resulted from this liberty. Speculators who forced their notes largely into circulation, not unfrequently met with a reverse, with the usual consequences of distress and embarrassment to their connection. Although this for a time brought paper into disfavour, it has now recovered, and the great competition is found to have the effect of mitigating the evils of failure. Where so many are concerned, individual suffering must be comparatively slight. The banks, moreover, are not banks of deposit; the proprietors prefer not to receive deposits, so that private parties run no risk of a great and sudden loss, beyond that of such notes as they may hold at the time of a stoppage. On the other hand, the usefulness of a bank is limited by this arrangement; there can be no paying of cheques; but very few of the banking establishments can transact business beyond the city or the department in which they may be located, and seldom or never beyond the limits of the province. Hence the convenience and safety of making payments at places remote from each other, through the medium of a banker, is almost unknown in China.

Within certain limits, the large bankers undertake mercantile exchanges; they also refine the sycee, or silver, for the receivers of taxes. The government will take no silver under a standard quality; the collector delivers his sycee to the banker, who weighs, refines, and casts it into ingots, for a consideration, giving a receipt, which is handed to the treasurer of the department, who calls for the amount when required.

The small banks transact their business on an extremely petty scale. On first starting in business, their notes are seldom in circulation above a few hours, and they have always to be watchful to avoid a 'run.' It is among this class that failures most frequently occur, the time of the crash being the end of the year, owing to the demand for specie which then arises. As a precautionary measure, some of them mostly circulate the notes of the large banks, which do not return to them as their own would. Their own are sure to come back once at least in the twenty-four hours, as the large banks make a rule of sending all petty bank-notes to their issuers every day, and exchanging them for specie or larger notes. The petty establishments resort to various expedients for the sake of profit; one is, to locate themselves in a good situation: if far from a large bank, they charge a higher rate of discount on notes presented for payment, than is charged by their more powerful competitor; and the people who live in the neighbourhood submit to this charge, rather than take the trouble of going to the large bank. On the contrary, if the great and the small are near together, the latter charge lower, and make their profit by placing base coin among the strings of coppercashwhich they pay to their customers in exchange for notes. The inferior cash is manufactured for the purpose, in the same way as Birmingham halfpence used to be for distribution by the keepers of toll-gates.

'Such petty chicanery is not viewed, as with us, in the light of an offence, since, from the exceeding low value of the Chinese cash—twenty-seven being only equivalent to a penny—those must be bad indeed which will not pass current with the rest; and, accordingly, the inferior sorts, when used in moderation, are accepted along with the better in all the ordinary transactions of life. The profits of these establishments must, therefore, be but slender—proportioned, however, to the extent of their dealings; and some of the smallest firms may not make more than half a dollar in the course of a day.'

'The banking establishments in the city and suburbs of Fuhchow,' says Mr Parkes, 'may be enumerated by hundreds. Most of them are naturally very insignificant, and the circulation of their notes exceedingly limited. Many of the outside notes will not pass current inside; and are only convertible at the place of issue. Such branches as these must be entirely superfluous, and might seriously inconvenience or trammel the transactions of the higher ones; but, in order to guard against encroachment from this direction, and as a self-protective measure, several of the leading banks of known stability co-operate with each other to keep up the value of their notes; and thus, by holding a strong check on the issues of those minor parties, effectually continue to regulate the whole system. There are thirty of these establishments inside and outside the city, all reported to be possessed of capital to the amount of from 500,000 to upwards of 1,000,000 dollars.

'These latter establishments command the utmost confidence, and their notes pass current everywhere and with everybody. They contribute mutual support by constantly exchanging and continually cashing each other's notes, which they severally seem to value as highly as their own particular issues. This reciprocal and implicit trust must add greatly to their solidity, and tend to prevent the possibility of failure. The chief banker gained his high reputation by a voluntary subscription, about thirty years ago, of no less than 100,000 dollars to the government toward the repairs of the city walls and other public works, for which he was rewarded with honorary official insignia, and the extensive patronage or business of all the authorities. These large banks are complete rulers of the money-market; they regulate the rates of exchange, which are incessantly fluctuating, and are known to alter several times in the course of the day. The arrival or withdrawal from the place of specie to the amount of a few thousands, has an immediate effect in either raising or lowering the exchange. The bankers are kept most accurately informed on the subject by some twenty men in their general employ, whose sole business it is to be in constant attendance in the market, and to acquaint the banks with everything that is going on, when they, guided by the transactions of the day, determine and fix upon, between themselves, the various prices of notes, sycee, and dollars. Their unanimity onthose points is very remarkable; and they are all deeply impressed with the salutary conviction, that their chief strength consists in the degree of mutual harmony that they preserve, and the confidence they place in one another. These reporters are also very useful to new arrivals, in affording them guidance on matters of exchange, or in introducing them to the best bankers; and the allowances that the stranger makes to them for their assistance, and the banker for procuring him custom, constitute the gains of their calling. They have also to report the prices of silver every morning at the Magistracy, which, from its daily increasing value, has become an object of especial attention.' Twenty years ago, much discontent was expressed that silver, which had been worth 1000 cash per ounce, rose to 1500; now it is over 2000, owing to the continuous drain of the metal from the country.

Still, with all this, failures are rare. The petty banks are most liable to this reverse; and on such occasions, they generally contrive to arrange the matter quietly among themselves; but the whole property or lands belonging to the defaulters may be seized and sold to satisfy the claims of the creditors: the dividend is usually from 10s. to 12s. in the pound. Wilful fraud is seldom practised; the heaviest instance known, was for 70,000 dollars; from the year 1843 to 1848, there were but four bankruptcies, and three of these were for less than 6000 dollars. The defaulters frequently escape punishment owing to the high cost of prosecution. The large banks are safe; but at times, from false or malicious reports, are exposed to a sudden 'run;' a great crowd besets the doors when least expected, and numbers of vagabonds seize the opportunity for mischief and plunder. These outbreaks grew to such a pitch, that the magistrates now, whenever possible, hasten to the threatened establishment, to repress violence by their presence and authority. The rush, however, is so sudden, that before they can arrive on the spot, the mob has improved its opportunity for destruction, and disappeared.

Forgery is not often attempted, probably because it does not pay, owing to the fact of its being extremely difficult to circulate any but notes of small value. The penalty for this offence is transportation to a distance of three thousandle—about a thousand miles; or imprisonment or flogging, according to circumstances. We question if such an instance as the following ever occurred out of China:—'A forger of some notoriety having been several times prosecuted by the bankers, and with but little success, for he still continued to carry on his malpractices, they conferred together, and agreedto take him into their pay, making him responsible for any future frauds of the kind. He continues to receive a stipend from them at the present time, and is one of their most effective safeguards against further imposition, as it devolves upon him to detect and apprehend any other offender.'

Most of the bank-notes are printed from copperplates, but some of the petty dealers still use wooden blocks. They are longer and narrower than ours, and have a handsomely engraved border, within which are paragraphs laudatory of the ability or reputation of the firm. The notes are of three kinds: for cash, dollars, and sycee. The first are from 400 cash (1s. 3d. sterling), to hundreds of thousands, and are largely circulated in all the smaller business transactions. The dollar-notes, varying from a unit to 500, and, in some instances, to 1000, circulate among the merchants, their value continually fluctuating with that of the price of the silver which they represent. The sycee-notes are from one to several hundredtaels(ounces), and are chiefly confined to the government offices, to avoid the trouble and inconvenience of making payments in silver by weight. Whatever be the value or denomination of the notes, the holder is at liberty to demand payment of the whole whenever he pleases, and receives it without abatement, as the banker makes his profit at the time of their issue. When notes are lost, payment is stopped, as here, and they are speedily traced, as it is the practice not to take notes of a high value—say, 100 dollars—without first inquiring at the bank as to their genuineness. But no indemnification is made for notes lost or destroyed by accident. Promissory-notes are the chief medium of interchange among merchants, who take ten days' grace on all bills, except those on which is written the word 'immediate.'

The rates of interest are, on lands and houses, from 10 to 15 per cent.; on government deposits, which the people are made to take at times against their will, 8 per cent.; on insurance of ships and cargoes, owing to the risk from storms and pirates, from 20 to 30 per cent.; on pawnbrokers' loans, 2 per cent. per month, or 20 per cent. per annum. Five days' grace is allowed on pledges; and if goods be not redeemed within three years, they are made over to the old clothes' shops at a settled premium of 20 per cent. on the amount lent on them. Pawnbrokers' establishments are numerous, and are frequented by all classes, who pawn without scruple anything they may possess. The banks, we are informed, 'keep up an intimate connection with the pawnbrokers, who make and receive all their payments in notes for copper cash, and will not take sycee, dollars, or dollar-notes—the former, lest they should prove counterfeit, and the latter, on account of the fluctuating value. They are very particular in passing the bank-notes, and will accept only those of the large banks. A notice is hung up in each shop, specifying what notes pass current with them; and when the people go to redeem the articles they have pledged, as they can present only those notes in payment, they have often to repair previously to the bank where they are issued, to purchase them, and, being at a premium, the banker thus gains his discount upon them. Of such importance is this considered, that, without the support of the pawnbrokers' connection, the business of a banker will always be limited. Indeed, many of the banks keep pawnbrokers' shops also; and the chief banker at Fuhchow is known to have opened no less than five of these establishments. This is on account of the high interest paid on pawnbrokers' loans.'

May, 1852.

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As May of last year was made memorable by the opening of the Great Exhibition, so will the present month become famous for the pulling down of the Crystal Palace. Parliament has decreed it, and there is an end of the matter. If the people by and by find reason to complain of the proceeding, they will have no one to blame but themselves; because, had they spoken out as only a whole nation can speak, the decision of the legislature would have been on the other side of the question. We are promised, however, that it shall be re-erected on some other site, and herein must solace ourselves for disappointment at the removal, while waiting for the National Exhibition to be opened at Cork, or that of the Arts and Manufactures of the Indian Empire promised by the Society of Arts. Besides this, the present May will be noteworthy in the annals of ocean steam-navigation: the steamers to Australia are to commence their trips, as also those to Brazil and Valparaiso. Who would have dreamed, twenty years ago, that the redoubtable Cape Horn would, before a quarter century had expired, be rounded by a steamer from an English port? Captain Denham is about to sail in theHerald, to survey the islands ofthe great ocean, one object being to find the best route and coaling-stations among the islands for steamers from the Isthmus to Sydney. The vessel will carry an interpreter, a supply of English seeds and plants, and a number of articles, to serve as presents for the natives. Should this survey be successful, and the United States' expedition to Japan produce the effect anticipated, the vast solitudes of the Pacific will be erelong continually echoing with the beat of paddle-wheels and the roar of steam. Rapid intercommunication will bring about changes, whereat politicians and ethnologists shall wonder. The Chinese still keep pouring into California by shiploads of 200 or 300 at a time, where they will perhaps learn that a year of Anglo-Saxondom is 'worth cycle of Cathay.' We may regard as evidence of progress, that Loo-choo has been visited by Captain Shadwell of theSphynx; he was received with great favour, and conducted to the royal city of Shooi, three miles inland. Readers of Captain Basil Hall's pleasant account of the same island will remember, that he was jealously forbidden to approach the interior. Do the Loo-chooans want to conciliate an ally? If, as is said, Japan is to become to the Americans what India is to us, we shall have them for neighbours in the east, as we now have them in the west. It will be an interesting event should England, America, and Russia some day meet on the Asiatic continent.

One good effect of railways, as you know, has been to cheapen coal, and excite activity in heretofore dormant mining districts—results which tell upon the trade in sea-borne coals. To meet this emergency, a scheme is on foot for sending coal from the Tyne to the Thames in steam-colliers, which, by their short and regular passages, shall compete successfully with the railways. The experiment is well worth trying, and ought to pay, if properly managed: meantime, our railways will extend their ramifications. Looking for a moment at what is doing in other parts of the world, it appears that there are at present 2000 miles of railway in France, besides as much more which is to be completed in four years. Portugal is only just beginning to think of iron routes: a few wakeful people are trying to impress that backward land with a sense of the advantages of rapid locomotion; and it is shewn that, by a simple system of railways, Lisbon would be placed at sixteen hours' distance from Madrid, forty-three from Paris, fifty-three from Brussels, and fifty-seven from London. Would it not be a comfort to be able to run away from the north-east monsoon, which has so long afflicted us, to the orange groves on the banks of the Tagus, in about two days and a half? A telegraph is about to be carried from the Austrian States over the Splugen into Switzerland—the Alps, it would appear, being no bar to the thought-flasher. There is a project, too, for a regular and universal dispatch of telegraph messages from all parts of the world. A mail and telegraph route from the Mississippi across to San Francisco is talked about. The proposer considers that post-houses might be erected at every twenty miles across the American continent, in which companies of twenty men of the United States' army might be stationed, to protect and facilitate the intercommunication; news would then find its way across in six or seven days. Should this scheme fail to be realised, the Americans may content themselves with having nearly 11,000 miles of railway already open, and another 11,000 in progress.

A beginning is made towards the abolition of the duty on foreign books imported. Government have consented that certain learned societies, and a number of scientific individuals, shall receive, duty free, such scientific publications as may be sent to them from abroad. Considering that the whole amount realised by the present customs' charge is only L.8000, it is easy to believe that the authorities will shortly have to abolish it altogether. Another question in which books are concerned, is the dispute that has been going on for some time among the fraternity of booksellers, as to whether a retailer shall be allowed to sell books for any price he pleases, or not. Whether 'free-trade' or 'monopoly' is to prevail, will depend on the decision of the arbitrators who have been chosen. Leaving out all the rest of the kingdom, there are nearly 1000 booksellers in London; so the subject is an important one. This number affords a notable datum for comparison with other countries. In Germany, the number of booksellers is 2651, of which 2200 are retailers, 400 publishers only, while 451 combine the two. They are distributed—36 in Frankfort, 56 in Stuttgart, 52 in Vienna, 129 in Berlin, 145 in Leipsic. The figures are suggestive. Another fact may be instanced: in 1851 the number of visits to the British Museum for reading was 78,419—giving an average of 269 per day, the room having been open during 292 days. The number of books consulted was 424,851, or 1455 daily. This is an agreeable view of what one part of society is doing; but there is a reverse to the picture, as shewn in a recently published parliamentary report, from which it appears that in 1849 the juvenile offenders in England numbered 6849—in Wales, 73—of whom 167 were transported; in 1850, the numbers were respectively 6988, 82, 184, shewing an increase under each head. Of the whole number in confinement last November, 169 were under thirteen years of age, and 568 under sixteen: 205 had been in prison once before, 90 twice, 49 three times, 85 four times and upwards; 329 had lost one parent, 103 both parents; 327 could not read, and 554 had not been brought up to any settled employment. These facts may be taken as demonstrative of the necessity for multiplying reformatory agricultural schools, such as have been established in various parts of the continent with the happiest effects.

Among the prizes just announced by the French Académie, is one for 'the best work on the state of pauperism in France, and the means of remedying it,' to be adjudged in 1853. It is greatly to be wished that some gifted mind would arise capable of taking a proper survey of so grave a question, and bringing it to a practical and satisfactory solution. Some people are beginning to ask, whether it would not be better, with the proceeds of poor-rates, to send paupers to colonies which are scant of labourers, rather than to expend the money in keeping them at home. The Académie of Literature, too, has offered a prize for an essay on the parliamentary eloquence of England—a significant fact in a country where the legislature is not permitted to be eloquent, and where forty-nine provincial papers have died since the 2d of December. Coming again to science: the judicialsavantshave awarded a medal to Mr Hind for his discovery of some two or three of the minor planets—an acknowledgment of merit which will not fail of good results in more ways than one.

Various scientific matters, which are deserving of a passing notice, have come before the same learned body. Matteucci, who has been steadily pursuing his electro-chemical labours, now states that with certain liquids and a single metal he can form a pile, the electro-magnetic and electro-chemical effects of which are much greater than those obtained with the old piles of Volta and Wollaston, and come nearer to those of the batteries of Bunsen and Grove. As yet, he withholds the particulars, but they will shortly be forthcoming. M. Dureau de la Malle, in remarks on the breeding of fish, a subject which has of late occupied much attention in France, says, that he has now discovered the reason 'why domestic servants in Holland and Scotland, when taking a situation, stipulate that theyshall not be made to eat salmon more than three times a week;' it is, the insipid taste of young salmon. It is safe to say, that however much M. de la Malle may know about fish, he knows but little of the habits of the countries to which he refers. M. Yvart mentions a fact that may be useful to graziers—the breed of cattle has been improved in France by the introduction of the Durham bull; but, as experience has shewn, it is at the expense of certain qualities deemed essential on the other side of the Channel. Here, we require meat as speedily as possible in young animals for consumption in our great towns; there, the great rural population use milk largely, and keep the animals longer before they are killed. The quantity of milk, it appears, is materially reduced in the Durham breed, and on this account M. Yvart suggests, that it should not be too much encouraged. Then there is something about dogs by Messrs Gruby and Delafond, who shew that the worms which have long been known to exist in the larger blood-vessels of certain dogs, are the parents of the almost innumerablefilariaor microscopic worms, found circulating also in the veins. The number generally in one dog is estimated at 52,000, though at times it is more than 200,000; and being smaller than the blood-globules, the creatures penetrate the minutest blood-vessels. They are met with on the average in one dog in twenty-five, though most frequent in the adult and old, and without distinction of sex or race. The examination of the phenomenon is to be continued, with a view to ascertain whether dogs infested with these blood-worms are subject to any peculiar disease.

More interesting is the account of a successful case of transfusion of blood in the human subject, performed in presence of the ablest surgeons of Paris. A woman was taken to the Hôtel Dieu reduced by hemorrhage to the last stage of weakness, unable to speak, to open her eyes, or to draw back her tongue when put out. The basilic vein was opened, and the point of a syringe, warmed to the proper temperature, was introduced, charged with blood drawn from the same vein in the arm of one of the assistants. The quantity, 180 grammes, was injected in 2½ minutes, after which the wound was dressed, and the patient placed in a comfortable position. Gradually, the beatings of the pulse rose from 130 to 138, and became firmer; the action of the heart increased in energy; the eyes opened with a look of intelligence; and the tongue could be advanced and withdrawn with facility, and regained its redness. On the following day, there was a little delirium, after which the pulse fell to 90, the signs of vitality acquired strength, and at the end of a week the woman left the hospital restored to health. Cases of successful transfusion are so rare, that it is not surprising the one here recorded should have excited attention among our physiologists.

People inclined to corpulence may profit by M. Dancel's observations on the development of fat. He says, that some of his patients, whose obesity was a constant inconvenience and cause of disease, 'lost very notably of theirembonpointby a change in their alimentary regimen—abstaining almost entirely from vegetables, feculent substances, diminishing their quantity of drink, and increasing, when necessary, their portion of meat.' On another, subject, M. Guérin Méneville believes he has found a new cochineal insect (Coccus fabæ) on the common bean, which grows wild in the south of France, and in such abundance, that a considerable quantity may be collected in a short time. The yield of colouring matter is of such amount, that a project is talked of for cultivating the plant extensively.

A communication has been made to the Geological Society at Paris by M. de Hauslab, on a subject which has from time to time occupied the thoughts of those who study thephysiqueof the planet on which we live—namely, the origin of the present state of our globe, and its crystal-like cleavage. After a few preliminary remarks about mountains, rocks, dikes and their line of direction, he shews that the globe presents the form approximately of a great octahedron (eight-sided figure); and further, that the three axial planes which such a form necessitates, may be described by existing circles round the earth: the first being Himalaya and Chimborazo; starting from Cape Finisterre, passing to India, Borneo, the eastern range of Australia, New Zealand, across to South America, Caracas, the Azores, and so round to Finisterre. The second runs in the opposite direction; includes the Andes, Rocky Mountains, crosses Behring's Strait to Siberia, thence to the Altaï, Hindostan, Madagascar, Cape Colony, and ending again at the Andes of Brazil. The third, which cuts the two former at right angles, proceeds from the Alps, traverses the Mediterranean by Corsica and Sardinia to the mountains of Fezzan, through Central Africa to the Cape, on to Kerguelen's Land, Blue Mountains of Australia, Spitzbergen, Scandinavia, and completing itself in the Alps, from whence it started. These circles shew the limits of the faces of the huge crystal, and may be divided into others, comprising forty-eight in the whole. The views thus set forth exhibit much ingenuity; and when we consider that metals crystallise in various forms, and native iron in the octahedral, there is much to be said in their favour.

We shall probably not be long before hearing of another gold field, for Dr Barth writes from the interior of Africa, that grains of the precious metal have been found in two rivers which flow into Lake Tchad, and that the mountains in the neighbourhood abound with it. Should the first discovery be verified by further explorations, gold will be more abundant than it now promises to be, and Africa perhaps the richest source of supply. Apropos of this continent, a French traveller is about to prove from the results of a journey from the Cape towards the equator, that the Carthaginian discoveries had been pushed much further towards the south than is commonly supposed.

Agassiz, who, as you know, has become a citizen of the United States, has had the Cuvierian prize awarded to him for his great work on fossil fishes—an honour approved by every lover of science. This distinguished writer says, in his latest publications on fossil zoology, that the number of fossil fishes distributed over the globe is more than 25,000 species; of mammifera, over 3000; reptiles, over 4000; shells, more than 40,000; numbers which greatly exceed all former calculation. Of other American items, there is one worthy the notice of apiarians: some emigrants who sailed from Boston wished to convey a hive of bees to the Sandwich Islands, where the industrious insects have not as yet been introduced; all went well until the vessel reached the tropics, and there the heat was so great as to melt the wax of the combs, and consequently to destroy the bees.

Lieutenant Hunt, of the American Coast Survey, states that copper-plate engravings may be copied on stone; specimens are to appear in the forthcoming report. To quote his description: 'A copper-plate being duly engraved, it is inked, and an impression taken on transfer-paper. A good paper, which wetting does not expand, is needed, and a fatty coating is used in the process. The transfer-paper impression is laid on the smooth stone, and run through a press. It is then wetted, heated, and stripped off from the stone, leaving the ink and fat on its face. The heated fat is softly brushed away, leaving only the ink-lines. From this reversed impression on the stone, the printing is performed just as in ordinary lithography. A good transfer produces from 3000 to 5000 copies. Thus prints from a single copper-plate can be infinitely multiplied, the printing being, moreover, much cheaper than copper-plate.'

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