The privately managed interests have both their business and their philanthropic sides. Let us take the philanthropic first. Seamen's Institutes have grown from very small beginnings, and are now to be found in every port where English-speaking seamen congregate. They began when, as the saying was, the sailor {172} earnt his money like a horse and spent it like an ass. They flourish when the sailor is much better able to look after himself. But their help is needed still; and what they have done in the past has not been the least among the influences which have made the common lot of the seaman so very much better than it was. Another excellent influence is that of the Royal National Mission to Deep Sea Fishermen. This mission sends its missioners afloat in its own steamers to tend the sick and bring some of the amenities of shore life within the reach of those afloat. Religion is among its influences, but only in an unsectarian way. Its work in Canadian waters is directed by two able and self-sacrificing men: Dr Grenfell, whose base is at St Anthony's in North-East Newfoundland, and whose beat goes straight down north along the Newfoundland Labrador, which faces the Atlantic; and Dr Hare, whose base is Harrington, in the centre of the Canadian Labrador, which runs in from the Strait of Belle Isle to Natashquan, more than two hundred miles along the north shore of the Gulf, among a perfect labyrinth of islands. Next, the business side. As only a single instance can be given, and as ordinary business management in shipping circles more or less {173} resembles what is practised in other commercial affairs, the special factor of marine insurance will alone be taken, as being the most typically maritime and by far the most interesting historically. Ordinary insurance on land is a mere thing of yesterday compared with marine insurance, which, according to some, began in the ancient world, and which was certainly known in the Middle Ages. It is credibly reported to have been in vogue among the Lombards in the twelfth century, and on much the same principles as are followed by Canadians in the twentieth. It was certainly in vogue among the English before Jacques Cartier discovered the St Lawrence. And in 1613, the year Champlain discovered the site of Ottawa, a policy was taken out, in the ordinary course of business, on that famous old London merchantman, the _Tiger_, to which Shakespeare twice alludes, once in _Macbeth_ and again in _Twelfth Night_.