THE HORNING OHEGOKIAN, FRIDAY, MARCH 29, 1901 EFFECT OF PROTECTION BEXEFICIAL TO FEW, TO MANY. IXJUHIOUS Professor Arthar Latham Perry DIs- cssses the Policy Opposed to the "Welfare of the Masses. BOSTON". March 2S. The New England Free Trade League Issues the following article by Professor Arthur Latham Perry, of Williams College: The nature and effects of protective tar- lffi, so called, can only be clearly and j certainly seen in rne naiure ana enecis 01 all trade in general and in particular. The constantly continued inductions of thousands of years In all the civilized countries of the world have sharply dis criminated trade from the only things In society liable to be confounded with it; namely, from giving and from stealing. Trade is good in its inmost nature and results. It always was good and it al ways will be good. It has preceded and accompanied and followed every advance In civilization and religion the world over; und it is as certan as anything in the future can be that every step of genuine and persistent progress anywhere will be initiated and accelerated by the vol untary buying and selling of men for their own advantage. This is alike and ob viously the plan and purpose of God and the welfare and happiness of mankind. To put all these propositions beyond the reach of denial or cavil, I ask the readers of this paper carefully to con sider with mo in the way of analysis and Inductive proof (1) the parties to trade. It takes two to make a bargain; that is, a sale. This maxim is very old and it is perfectly sound. One or both of the parties to an ultimate sale may rep resent, as an agent or official, the Inter ests of other persons than himself, and these interests may be very great and complicated; but this makes no difference In the radical nature of the transaction. For example, I happen to know well the person called the "buyer" In what Is said to be the largest Iron foundry in the United States; but, when he buys 10W tons of coal or pig Iron, he stands and acts In the nam6 and interest of the own ers and operations of this immense es tablishment; he Is a party to the trade in the same sense as when he buys a suit of clothes for himself of a neighboring tailor. So of the other party, of whom he buys the coal and iron. It takes two to make a bargain only two. The action must be voluntary and reasonably intelligent on both sides. Else It Is no bargain. Force and fraud are equally foreign to the nature of trade. Next let us look carefully to (2) the mo tives in trade. The human impulses that have led men freely to exchange one thing for another during all the past. In every neighborhood and village and city, and across the seas, must have been ex tremely strong. These Impulses are felt at the present time on every habitable por tion of the globe, more strongly and wide ly than ever before; and all signs will fall unless in the great time coming they shall move the masses of men more Ir resistibly everywhere than ever before. What are these moving motives in the minds of men? In the nature of things they can only be the universal desire to better their condition, to supply their wants more easily, to apply pecuniary gains whose only possible sources is trade of one form or another, in order to ac quire power and influence during their own brief day on the earth, and so to transmit to their children some vantage grounds over those they themselves orig inally possessed. Is not all this honor able? Has It not proved effectual gen eration after generation? Now we will inquire in the third place (3) what kinds of things are those which are subject to trade? In other words, what classes of things are bought and sold jamong men always have been and always will be, ' and no other classes? To this question has rarely (almost never) been given the attention which it richly deserves, indeed, which it must necessar ily have if one would understand trade from the bottom up. The present writer has applied his best powers (such as they are) to this question, and a correct answer to It during the whole of a long, profes sional life. He Is satisfied with this an swer. He is willing nay, desirous that it be tested by the most inquisitive and intelligent and profound minds in this country or any other. There are only three sorts of thing possible to become the subjects of trade: that Is to say, to be bought and sold. These are: (a.) Tangible commodities, including lands. (b.) Personal services, whether com mon or professional. ,(c.) Commercial credits, that is, prom. ises written or oral. The easiest way for my intelligent doubter to overturn this classification, if it can be done. Is to bring forward some well-authenticated instances in his own experience or that of others, in which some other subject matter than one of these three played an obvious part in the bargain or exchange. Until such overturn be effected demonstrably, it will be as sumed that it is impossible to be effected at all. Then it will logically follow that only six sorts of trade were ever consum mated or ever will be namely, a com modity for another commodity; a com modity for a service; a commodity for a credit; a service for a service; a service for a credit: one credit for another. It follows, also, that it makes no difference whatever, so far as tho two parties are cpneerned, which of the three possible -valuables Is in the hand or power of which party for the purposes of that trade. Each is a buyer and seller at the same instant. Each is a buyer, because he must pay for what he buys, and that is selling; and each is a seller, because he must take pay for what he sells, and that makes it buying. Each must render something and each must receive some thing at the same moment. If a man will not buy he cannot sell. If he refuse to sell, he cannot by any possibility buy. It Is only individuals that buy and sell: Nations as such can have no part In it except to interrupt and forbid It. Nations by wretched laws may limit and lessen and mangle trade; but it is way beyond their power or function directly to foster or upbuild it. When a nation pretends to do this, and uses words to describe their action to this end words Implying that it can be done and that the nation is doing it, as, for example, the United States at the present time the words are used In a deceitful sense, are designed to deceive and do actually deceive many people. Such a word so used Is "protection." It is as full of deceit and deviltry as an egg is full of meat. The only way in which a nation can "protect" an unprofitable in dustry (so alleged), or tries to do it, is to tax; that is, always to lessen and some times to destroy naturally profitable in dustries, that only ask to be let alone to be enabled to pay not only their full share of taxes for revenue, but also to enrich the country and themselves. Now we will ask a question, which will be the fourth (4) in order, and which goes to the bottom of this entire subject. We have seen already that trade Is good in its inmost nature, that it quickens the iritelllgence and enhances the powers and satisfies the growing wants and accele rates the progress and simplifies, while apparently complicating, the sources of present enjoyments and the means of fu ture well-doing for every competent per son dwelling upon the surface of this globe. So God designed it to be; and so lt;Is constantly and Increasingly coming to 'be, except as certain short-sighted and self-opinionated and greedy, grasping men, thinking that they can outwit Prov idence and rob their fellowcltlzens with impunity, manage to kill by so-called laws some naturally profitable industries of the people, and to haggle many more of them. The Question is, How can such a thing be done; how Is It actually done in such a country as the United States, with com mon schools and open-eyed citizens? First, while the men who really get the "protective" tariff taxes passed In Con gress, meaning thereby to feather their own nests at the costs of their country men, are relatively few in number, they are often able by means of combines and log-rollings with other members, who have entirely other ends In view, to toss their accursed burdens on the necks of the common people, and partly also to conceal It. You tickle me. and I will tickle you, has been, in the United States, the com mon principle of protective tariffs from the Tariff of Abominations in 1S2S till the Dlngley tariff of our own time, which Is also a tariff of abominations. Second, certain men become abnormally rich and powerful through the action of tariff tax es derived by themselves for that pur pose, and 60 are able to pocket tariff-lifted prices for their own wares through cut ting off the natural competition in such wares of neighbors who happen to live under a foreign flag. It is not necessary to go out of New England, which Is the special field for rational effort of the New England Free Trade League, to find a striking Instance of this very process by which a man of moderate talents has be come artificially and wickely rich through unjust law, and so assisted to tread the steps of official life within his state to the highest, and to- mock at the apparent helplessness of those whom he Is helping to plunder. Within less than a week of the present writing, this man is reported in the public prints as saying officially in Washington. "While It may be necessary to repeal or reduce some of the war taxes at the coming session of Congress, it is not needful to touch In any way the pro tective tariff taxes." Why not? Why not tackle the worst taxes first those which make the people pay more, while the treasury gets less? What makes this of ficial effrontery the more outrageous Is that no afflicted man or woman can raise a marble memorial to the memory of their dead in a single God's acre of New Eng land without paying blackmail to one of their public servants in the very presence of death. And this is only one of scores upon scores of Instances similar in prin ciple and results all over this country. And, third, the creation in a republic of a privileged class, such as the combined and compacted protectionists of this coun try are at this moment. Is a constant men ace to the continuance of its free institu tions. Plunderers and plundered do not and cannot coalesce well in the Intricate work of government, although not all the plunderers know themselves to be such, nor all the plundered have yet learned the nature of the cunning Instrument by which their enormous losses are brought about. What is needed Is light. What is needed is to watch the motions and ac tions of members of Congress as they foist in and perhaps slip out certain clauses of tariff acts. Each party to a trade inva riably prefers what he Is about to receive to what he is about to render. This is tho universal motive to trade. Stopping trade by statute creates losses by necessity. Protectionism, therefore, in every degree of It and in every Instance of It, begets losses Instead of gains; that is to say, losses to the many In the hope of fictitious gains to the few. I have talked with scores, if not hundreds, of protectionists as such, and found in nearly every case their opinion of it precisely the same as my own when it came to tho bottom points. My custom was to ask at length, "Why not abolish then the tariff tax if It does not benefit your business?" "Ah! you have got me there!" I have also en Joyed the privilege of hearing in private members of the ways and means com mittee unfold at length the deadly selfish ness and short-sightedness of the schemers coming before them for "tariff favors." The late General Garfield, a pupil and life long friend of mine, a fellow-member with me and other Americans of the Cobdcn Club of Great Britain, was one of those discoursing thus of these enemies of their country and of mankind. It Is by the abuses of language, -accordingly, and by the concealment of the substance of things both economical and political, that the L American people have been and are now duped and fooled. Finally, we will ask and try to answer the fifth (5) question of our present series; namely, what are the present grounds of hope for a better issue In the time to come of free-trade effort and discussion. One is. there ore more disinterested citizens than ever before billing to spend and he spent In this service. Said William Cullen Bryant In my hearing, "I have given 50 years ito this work, and have never wearied of it." Another Is, Providence seems to be pelting the nations with irre sistible missiles in preparation for a broader and more Christian method In commercial and international relations. What is this we hear to satiety at present about the "open door"? God knows. TIME FOR THEIR MEALS. Hotv the Passengers of One Train Obtained It. Kansas City Journal. "I have had some funny experience as a conductor," said a man of punch and tickets, yesterday, as he rested after bringing ln his train, "but the most laugh able one happened when I was running down the Missouri Pacific branch from Coffeyvillo to Fort Smith, about three years ago. It happened at the eating house at Wagoner. It was the custom of the road to allow 20 minutes for meals all roads do that and the passengers gener ally bustle off, cram down their food and rush back again. So on the occasion I mention, there was no thought given to the matter, and the customary announce ment was made. "Now, I was 15 minutes late, and I fig ured that I could lop a few minutes off that 20, and make up some of It. So I fixed to have the train start at IS minutes after we stopped. Four minutes gained is four minutes, you know. So I called, 'All aboard!' Just 15 minutes after we stopped. "There was one smart Aleck in that gang that I didn't take into account. The crowd wasn't large, and most of 'em were in a bunch. He got next to the scheme at once, and tipped it off to the gang. " 'Ladles and gentlemen, says he, Just like he was making a speech, 'it Is only 15 minutes since we stopped. The card says we have 20, and they are all too few for us to eat ln. This is a good meal, and I am hungry. Now this conductor is fool ing with us. I propose that wo pay him back. Every one finish his meal leisure ly, and carefully, and take his roynl good time. Ho won't start without his pas sengers, rest assured.' "The gang caught on, and yelled. Not a fellow budged, and the only passengers I had at that moment was a corpse In the baggage car and one old woman who had brought her lunch with her. "I wasn't on to this, of course, so when I saw no one move, I yelled 'all aboard' again. The bell began to ring, the whistle tooted. But those folks sat calmly eating and calling for more. "I was crazy! 'Ain't you going on this train?' " 'TjVhen we finish eating,' said the smart Alec and then I caught on. I yelled and howled and roared, but It was no use. 'You have our baggage, and you daren't leave us all here," said the smart guy and I didn't. "Do you know that gang held me there nearly 40 minutes, all because that fel low was smooth enough to turn the trick on me? It was the worst and yet the funniest thing that ever happened to me. The superintendent was dazed when I told him of it, and the manager had a fit, but what could they do about it?" The common and familiar thread spun by Mme. Spider Is so fine that 25,000 miles of It, enough to go around the earth, would weigh only "eight ounces. And yet, fine as it is, the threads consist of 1000 filaments. AMERICA BESTS ENGLAND GAIXIXG TRADE WHERE LATTER SHOULD HAVE A MONOPOLY. Boots and Shoes the Line British Commercial Agent Officially Discusses Subject. WASHINGTON, March 23-The rapid growth of the export of boots and shoes from the United States is attracting the attention of the manufacturing world, and of the representatives In the United States of the manufacturing countries of the world. The British Commercial Agent In the United States has forward ed to his home Government a statement regarding the exportation of boots and shoes from the United States, In which he cites figures relating to our exports to the United Kingdom, British West Indlnes, Australasia and Africa, and says: "A glance at these figures will show how American-made boots and ! shoes are being pushed with success wherei British-made goods ought to have practically a monopoly." 1 This report, a copy of which has I COLUMBIA COUNTY'S JAMES MTCKLE, SR. ST. HELENS, March 2S. James Muckle. Sr., the oldest Inhabitant of St. Hel- t ens, and perhaps of Columbia County, will be 02 jcars old In July. He was born ln Northumberland, England. When 7 years of age he came to America with his father, and located at Ontario, Canada, where he lived until 1877. when f he came to Oregon. He ha? been the father of 12 children, eight of -whom are T still living, three girls and five boys. The children, with one exception, are real- dents of Oregon. Mr. Muckle makes his home with his children. He has carried a key to the same pojtofllce box and has received the mall regularly for.0ears. f Although past .jour score years and ten, be Js as spryabou hIajjrk.asCa youth. I in Ins. teens. . " , t reached the Treasury Bureau of Statis tics through the British Board of Trade Journal, shows that the exports of boots and shoes .during the 12 months ending December 31, 1900. to the United Kingdom, British West Indies, British Australasia and British Africa from the United States have grown from 142,32S ln 1S?S, to 323, rOS in 1S99, and 426,124 ln 1900, and that the experts of a similar character from the United Kingdom to British West Indies; British Australasia, and South Africa have slightly decreased meantime, being In 1S9S. 1.092,001; in 1S99. 1,001,927, and in 11-00, 1,075,47S. Commenting on the growth of Ameri can sales ln British territory and ab sence of growth of British sales ln the same territory, the report says: "Why this state of affairs should be possible. Is not, at first sight, quite clear. It means, cither that the American-made article Is cheaper than the British-made one, or that it Is of better quality. Tak ing It for granted that the British boots and shoes are not inferior to those of America, there must be some Important reason why the latter should cost less than the former. That America is a large exporter of leather to the United King dom shows that they can manufacture It cheaper. Considering that so much of the raw material has to be Imported Into the United States by the tanners,- there seems no reason why leather should not be manufactured as cheap or cheaper In the United Kingdom. This applies es pecially to the finer qualities, such as patent leather, glazed kid, and others. There is no doubt that as far as certain classes of leather Is 'concerned, America possesses consldreable natural advan tages. There are plentiful supplies of suitable bark growing In the different parts of the country, and the tanneries have been placed at no great distance from It. The hemlock bark, which is that most used for tanning sole leather. Is obtained from the forests situated in the states of Wisconsin and Michigan. It is also found In New York state and Pennsylvania, but the supply Is rapidly diminishing. For tanning the finer qual ities of leather chemicals and extracts are used, a large quantity of which is Imported. "The United States is a large Importer of hld'es. There were Imported during the year ended December 31, 1900, 307,- 257.924 hides, valued at 10.74S.O07, of which ' 152,792,232, valued at 3.815.9S7 were hides of cattle which pay Import duty of. 15 per cent ad valorem, and ,121,650, valued at 3,960,320, were goat skins, which were admitted free of duty. Of the total Im ports, 124,255,261. valued at 4,288,707 came from Europe, and 66,212,792, valued at 2,191,451, came from tho East Indies. "Those in the trade will doubtless be able to say whether the disadvantages of having to import this quantity of hides, bringing them from such great dis tances and paying 15 per cent duty, pay ing higher wages than are customary ln Europe, and heavy railway and steamer freights, are compensated for by getting cheaper bark. If not, there must be somcthlnng ln the process of tanning that enables the American tanners to compete with other countries in their own markets. Needless to say, only the latest Improvements in the general pro cess of .tanning are employed in the United States. It Is the use of so much Improved machinery that enables the American manufacturer to turn out such large quantities, and do It so cheaply. "American manufacturers are going to make a bid for the South American boot trade as wpll as the European and Co lonial. There is also some talk of an American factory being started in the City of Mexico. Practically the whole of the boots and shoes made In the United States came formerly from the factories J situated in the East, Boston being the center. Latterly, however, tanneries have sprung up further west, about Chicago especially, so as to be I near the supply of the hemlock bark. The boot and shoe factories have nat urally followed suit, dnd consequently a considerable portion of the trade has been taken out of the hands of Eastern makers, and they in turn have been obliged to look for other markets where they can dispose of their goods. It Is therefore from that quarter that British manufacturers must look for the severest competition. It has been suggested that a combination of American manufactur ers should erect in different parts of the world large warehouses In which could be stored the different kinds and sizes of boots and shoes so that retailers could replenish their stocks when they required it. "The advantages of such a plan, should It be carried out, would be considerable." OLD WILL DISCOVERED. American Heirs Will Claim an En Kllth Estate. NEW YORK, March 2S. Walter M. Johnson, of Brooklyn, sailed for Eng land today to claim on behalf of a doz?n American heirs the estate of Thomas Holden, valued at $1,000,000. But for the discovery of the will of Thomas Holden. who dIed ln 1S09' the American claimants would be unable to establish their right to the estate. This will was lost to the Holden heirs for years. Holden left no OLDEST INHABITANT. - children, and two -sets of relatives engaged in a bitter strife over his property. Among the effects of one. of the American heirs who died a few years ago the will was found. Mr. Johnson will take with him the old will. He will have power of at torney from the various American heirs. Thomas Holden owned valuable real es tate in England, and upon his death the property went to his sister, Elizabeth, and her heirs. She married Stephen Broad bent. They had several children. One of the sons, William Broadbent, married Jane, daughter of John and Jane Ten nant. This branch of the Broadbent fam ily came to the United States about 1S50. They acquired a tract of land covering 200 acres. A large part of this property subsequently was sold to the Garrett family. The Broadbents prosp'ered and brothers and sisters of William followed to this country. There were eo many deaths among the several heirs that ln time, according to the statement made by Mr. Johnson, only the direct heirs of William Broadbent retained an Interest In the Holden estate. The case was placed" in the hands of a Baltimore attorney, who received Infor mation from England recently which re sulted ln Mr. Johnson's plan to go there and claim the estate. If the American heirs are successful, the property will be divided among Wal ter M. Johnson, William B. Stambaugh, Daisy Stambaugh and Anna B. Stam baugh, of this city; Joseph G. Johnson, J. M. Johnson, Ella McGahan, G. V. John son and Ferdinand Broadbent of Balti more; Philip G. Stambaugh, of Blngham ton, and Lady M. Durrett ami Viola E. Stambaugh, of Fairmont, W. Va. The Adnmi Warehouse Bill. KINGSLEY, Or., March 25. (To tho Editor.) Did the Adams -warehouse bill become a law, and If not, why not? KINGSLEY. The bill referred to .was introduced In the Senate, passed that body, and went to the House, where It was referred to the committee on commerce. This commit tee refused to report the bill back to the House, so Senator Adams Introduced the samo bill again In the Senate, and se cured Its passage; but this was so late in the session that It never came up for action ln the House. There was a strong opposition to the bill on the part of ware housemen, and It Is impossible to say what action would have been taken had the committee on commerco reported it back. A Golf Reminiscence. , "Washington Star. When we played shinny long aga Our clothing did not fret -us. Wo wore no coats of sunset glow Our mothers would not let us. " Oh. we were coKlsh ln our slee; We- loved to prance and whinny; We asked no "niblick" and no "tee" When we were plalng shinny. Oh, where are those companion now The thin boy we called "fatty"; The boy 111 clad, with grimy brow; The boy so neat and natty; The boy who was so very fat His comrades named him "skinny"? There Is no friendship here like that We knew while playing shinny. Perchance, one day a club I'll take And set the golf ball flying. At least an effort I may make; There's naught, you know, like trying. But I shall miss those bojlsh friends, So freckel-faced and grlnny; No modern game can make amends For those lost hours of shinny. Needed Help. De Cash I see yon have 'taken apartner. De Curb Yea; I had to. A man can't keep a suburban, residence supplied with servants and attend, 0 business, too. New York Weekly. w". GAMBLING IN S0CIE1Y STORIES CURRENT IX SEW YORK ABOUT LOSSES AT BRIDGE. Serlons Dilemma of a Man Who Has Lost 3500 Hostesses Who In sisted on Prompt Payment. When the Tranby Croft gambling scan dal attracted attention ln England a decade ago one comment on the subject was an expression of burprlse that even In the quiet of country life persons of fashion should find gambling for high stakes necessary to their enjoyment, and could not finish the evening without re tiring after dinner to the gambling table, whero the diversion might be baccarat, roulette or any other game of chance that the guests enjoyed most. That the pres ent King of England should have traveled with gambling paraphernalia was thought cnother elvdence of the seriousness with which this branch of their amusement was looked after by people of wealth and distinction. It was said that the exposures which followed the Tranby Croft case put for at least some years a quietus on English society's taste for gaming, says the New York Sun. At all events, attention was not again attracted to this weakness as it had been before, and no such criticism of English social life has been heard ln recent years as that which Is Just now re-echoing from one end of New York to the other. For a long time certain houses In New York have buzzed with gossip concerning the losses made by this person or that, and tales which seem exaggerated to all but those who know the truth are told of the misfortunes that have come upon this" person or that through devotion to the prevailing passion of the hour, or at all events through the devotion of one person to the game, whatever the Indi vidual feelings may be of the man or woman forced by circumstances to play. For It Is curious that most of the stories of serious losses refer to persons without a knowledge of the game who have been led Into the playing for the convenience of others rather than from any desire of their own. It was a year ago nearly that these stories of losses at bridge whist began to be told ln New York. During the Sum mer they came In greater numbers from Newport, and this season they have reached the public through the pulpit and in other ways less direct. In the ac counts of losses, and occasionally of win nings, the names of persons conspicuous ln society frequently occur, and, indeed, most that has been told is limited to two or three houses where only the most conspicuous figures ln society gather. Poker has temporarily disappeared ln favor of bridge whist, and even the pri vate roulette wheels, numerous now in New York, are not nearly so active in furnishing entertainment as they were two .or three years ago. Bridge whist seems to divide favor only with seven handed euchre, which has lately become an absorbing pastime for women; but as the latter game Is rarely. If ever, 'played for money, It is gambling only In a sense that has never been seriously condemned. It Is a fact that the popularity of games of chance which now prevails has led women to gather In the afternoon as they never did ln the past merely to play cards. The women's enchre parties, which are usually limited to 21 persons, making three tables, have supplanted the women's luncheon tables as a means of social diversion, and have even had an effect on the afternoon tea, which has lost its charm for those who can pass the afternoon ln the more engrossing sport of playing for a turquoise pin or a sliver edged pocketbook. This phase of the gambling craze Is not a serious one. how- ever, and Is regarded by social observers as only a sporadic "result of the more ab sorbing passion which' has led to serious financial losses. Nothing can give a better Idea of the extent to which women and men arc In terestcd ln bridge whist than some of the stories now floating through New York society. The most serious phase of these. and about the latest, refers to the case of a young man who lost $3500 at the house of a woman whose name stands as solidly for millions as Trinity Church docs for religion. He was foolish enough, or weak enough, to play bridge whlbt at this house one night and to lose $3300. This sum, to his host, was a bagatelle, and to the woman who had asked him to play It meant nothing more. But it hap pened that he was a young man living on an income of about $6000 a year, and keeping close to the limit of that. His social life required an expenditure of Just about as much as he made, and he had no accumulation In the bank from which this loss could be paid. It meant social ruin to him to default. Probably It can be maintained that there Is no need for sympathy in the case of any simple ton who gambles with his eyes open and meets with such disaster. But it can be said on his side that he was, In a meas ure, under the necessity of doing what he was asked to do by persons to whom he was under social obligations. The money has not yet been paid. The story Is pretty well known, and the man. I f HAIR AWf OTHEK 1 1 ISIllM SIMS T feilB WiKLSo Hill . HARtURGbR", H0MH CO., MIRUFACT01ERI LAXG & CO., DISTRIBUTERS, B who has found it more difficult to raise the amount than anybody would have supposed It would be for one of his ac quaintance among people of wealth. Is Just now the most observed of all the young men ln his social set. When he Is to pay and what he is to do under the circumstances are questions that Interest all his acquaintances. Their interest con tinues great because there Is a well founded belief that tho young man him self has not yet seen his way out of the difficulty. If he does not pay, he might as well leave New York, because knowledge of the affair has traveled around through his entire circle of friends, and he Is likely to be known -for the rest of his life as the loser who didn't pay. If. on the other hand, he is able to raise the 52500. his situation 1h likely to be embarrassed financially for some time to come. In any case, his social career here has about come to an end. A few weeks ago a man was asked to dine at the house of a woman he had known for some years as he knew 50 oth ers in society. He found eight persons there, including himself, and the dinner was briefer than he imagined It would be. not knowing that bridge whist was the real object of the evening's gathering. AVhen the coffee was served and the men were notified not to linger over it too long, as It was time to begin the game, he declared that his Ignorance of the game would prevent him from playing. As only eight persons were present, it would have been Impossible to have the two tables planned without him. The hostess said It would be Impossible to get anybody else, and that three persons who had come there especially to play bridge whist would be deprived of the pleasure unless he consented. "Besides," she said, "you play whist, and the rules are very much the same. We can all help you with what you don't know. He was a gentleman, and he took a hand at the -table. Possibly because he was a gentleman he consented to sit at tho table until the game was finished and he had lost $400. Now, one of the rules of bridge, since It has become such a matter of business in New York, is that losses must be paid before the players leave the house. Various amusing stories are told of the means by which women compel the players to settle either with ca3h or checks before they leave. Not all of them have the same disagree able character as the experience that befell this man. He told the hostess that he did not have $400 about him: that his entire cash assets were about $35 at that moment, but that he would send her a check the next day. "But you know It's the rule," she said to him, smiling Icily, "for everybody to pay as soon as the game Is finished. Now, we shall all do that, and you see it would be rather well, rather awkward for some of us If you should not pay when you are called upon to do so." The tone of the woman's voice and her manner were a surprise to the loser. He had known her for a good many years, but he had never seen her just like this. Perhaps that was because he had never seen her nfter bridge, but he was too much absorbed at the time to think of the causes of her conduct. "But It Is impossible." he said, "to do more than I have offered to do. I do not go about with $400 In my pocket. I came here with no Idea of playing cards. I never should have done so had I for a moment expected to lose this money. I cannot afford it, and did not know the game, but I will send you my check the first thing tomorrow morning." The woman looked dissatisfied. "But where do you bank?" she said. "Perhaps our banks are the same, and you could give me the check now and w could settle the game, as I said we ought to, before you leave the house." Then her good manners asserted them selves, and she smiled, apologetically. "Don't think." she said, "that I am ex igent about this matter, but this Is the .1 -nl V nil rf ita Virirk -aVrt fronnon , . . .. - A Mflw. T y,' ,ft 0 yC I (JI1AJ UIJUC lU1t'lul',f - --fc.ffcvv and If our bank Is the same you could write the check now' The banks were not the same, so that expedient was impossible. The expression on the woman's face was more deter- 1 mined than ever when she turned from ner aesK. 10 wnicn me iwo naa reurea leaving the others settling their scores at the table. "Isn't there a place In the world." she . sajQt turning and facing him with a look nf desneratlon. "where you could ret that $400 tonight? Possibly you don't know that I have lost $G0O myself, and that I must pay these people before they go. I cannot make my check for the amount I owe them, because my husband has al ready f 01 bidden me to play. Try to think if there Isn't a place where you can get this money when It Is so much need ed." He went to the telephone and called up a club ln which he knew a rich friend of his was likely to be. It was his own club as well, and the mention of his name soon brought his friend to the telephone. He told the friend to give him $100 if he had it in his pocket by accident, and If not to write a check, get It cashed at the club and send the money to him at the house. The mere mention of the house at which he was assured his friend that the cir cumstances were quite as pressing as the telephone message made them appear. So the answer came back that the' money would be there ln a few moments; that it would be brought by the friend himself. It was not half an hour before one of the servants announced that somebody was downstairs to speak to Mr. X. He found u servant from the club with the money and the message that his friend was walttng for him outside. He took the envelope, gav the $400 to the hostess, who was waiting to discharge her own obligations to two or three creditors un willing to release her, and then he left the house. He was careful to Indicate ln his farewell to his hostess that he was never likely to go there again. Another anxious hostess who did not propose to allow a guest to leave until he had settled his financial obligations, might have been compelled to go as far as the heroine of this story, had it not happened that she and the loser used tho same bank. "Can't you give me a check?" she asked him, when the game was over, and he had Promised to send her one the "tda. I would Just as soon take the $90 ln a check as in cash. If you haven't got a check with you, perhaps we both deposit In the same bank." "My bank is the Beeswax National Sav ings Institution," he said, half hoping that hers was not the same, rather from a desire to disappoint such seeming ava rice than for any other reason. The woman's face was wreathed In smiles when bhe heard the name of tha bank. "Delightful," she said. "That's the sama bank I kpep my money ln, and I have a checkbook right here ln this drawer. You can give It to me now." It must be said to the credit of the women that they usually pay. They, ot course, are compelled to pay their losses when the money Is owing to their own sex, but It might not be supposed that they would be so honest when they wero playing with men. They have shown a disposition to treat men ln the same way as their own .sex, however. Unless a woman chooses to pay a man there Is, of course, no way of forcing her, and somo women avoid as often as possible this penalty of. their gambling Instincts. It la entirely a question of their own volition, for If they do not choose to hand over the money they have lost no gentleman can ever even suggest to them the pro priety of It. On the other hand, a man must pay whether he wants to or not. It Is com mon eonugh nowadays to hear young women, and some that are not eo youth ful, explaining the presence of a ring en their fingers or a pin that they may wear merely with the word "bridge." A young woman recently made it a point to tell all the guests at one of the balls glvert Just before Lent began that the superb gown she was wearing would have been quite Impossible so late In the season had it not been for her luck at bridge whist. Last Summer, when the stories first came to Newport of the hold that bridge had taken on the Summer colony, most persons thought that they must be exag gerated. Practically every sport suffered seriously from the devotion to whist. Ono young girl who had become known In New York society only the year before had winnings up to August 1 which were larger than those of any other woman. She made no concealment of the fact that up to that time she was $2000 to the good, and all of her women friends spoke with envy of her wonderful success in what was the popular game of the season. Further evidence of the hold that It took on the people can be found In the story of the party that went out on a steam yachting to watch the races given in Au gust. It happened entirely by chance that the host and his guests made a party ot eight. While they were drifting around during the morning waiting for the races to begin, somebody remarked that there were Just enough on board for two tables at bridge. It was then 10 o'clock. The host gave orders for the captain to steam to the course of the yachts and fol- low them on the race so as to give his guests tne nest view, mey were to De in formed when the yachts started, and ln the meantime went downstairs to play bridge. The game began at a little after 10. The captain followed his employer's orders and took the steam yacht over the course followed by the racers. The boats went to the stakeboat, camo back to their starting point, and the win ner was declared. The captain brought the steam yacht back to the dock at New port. It was not until he notified the pas sengers downstairs that they were once more at home that the game of bridge was Interrupted. All day they had played down ln the cabin unmindful of the cap tain's warning that the yachts had start ed, and ignorant of everything but ab sorption ln the sport. When they came home they realized for the first time that the day. so far as the races were concerned, had been a fail ure. They had seen nothing and with only a brief Interruption for lunch had stuck to the game they began at 10 o'clock. But It suited them so well that they did not regard their time as wasted. They may have missed the race, but sonm had the opportunity to lose and others to win a very fat sum of money.