The Mexicans although in the State are out of it. They still preserve a sort of international independence, and keep their affairs snug to themselves. Only four or five years ago Vasquez, the bandit, his troops being dispersed and the hunt too hot for him in other parts of California, returned to his native Monterey, and was seen publicly in her streets and saloons, fearing no man. The year that I was there, there occurred two reputed murders. As the Montereyans are exceptionally vile speakers of each other and of every one behind his back, it is not possible for me to judge how much truth there may have been in these reports; but in the one case every one believed, and in the other some suspected, that there had been foul play; and nobody dreamed for an instant of taking the authorities into their counsel. Now this is, of course, characteristic enough of the Mexicans; but it is a noteworthy feature that all the Americans in Monterey acquiesced without a word in this inaction. Even when I spoke to them upon the subject, they seemed not to understand my surprise; they had forgotten the traditions of their own race and upbringing, and become, in a word, wholly Mexicanised. Again, the Mexicans, having no ready money to speak of, rely almost entirely in their business transactions upon each other’s worthless paper. Pedro the penniless pays you with an I O U from the equally penniless Miguel. It is a sort of local currency by courtesy. Credit in these parts has passed into a superstition. I have seen a strong, violent man struggling for months to recover a debt, and getting nothing but an exchange of waste paper. The very storekeepers are averse to asking for cash payments, and are more surprised than pleased when they are offered. They fear there must be something under it, and that you mean to withdraw your custom from them. I have seen the enterprising chemist and stationer begging me with fervour to let my account run on, although I had my purse open in my hand; and partly from the commonness of the case, partly from some remains of that generous old Mexican tradition which made all men welcome to their tables, a person may be notoriously both unwilling and unable to pay, and still find credit for the necessaries of life in the stores of Monterey. Now this villainous habit of living upon “tick” has grown into Californian nature. I do not mean that the American and European storekeepers of Monterey are as lax as Mexicans; I mean that American farmers in many parts of the State expect unlimited credit, and profit by it in the meanwhile, without a thought for consequences. Jew storekeepers have already learned the advantage to be gained from this; they lead on the farmer into irretrievable indebtedness, and keep him ever after as their bond-slave hopelessly grinding in the mill. So the whirligig of time brings in its revenges, and except that the Jew knows better than to foreclose, you may