The artist has shown the great discoverer most truthfully as he appeared after he had discovered and filed on the ocean. No one can look upon this picture for a moment and confuse Balboa, the discoverer of the Pacific, with Kope Elias, who first discovered in the mountains of North Carolina what is now known as moonshine whiskey. De Narvaez in 1528 undertook to conquer Florida with three hundred hands. He also pulled considerable grass in his search for gold. Finally he got to the gulf and was wrecked. They were all related mostly to Narvaez, and for two weeks they lived on their relatives, but later struck shore--four of them--and lived more on a vegetable diet after that till they struck the Pacific Ocean, which now belonged to Spain. De Soto also undertook the conquest of Florida after this, and took six hundred men with him for the purpose. They wandered through the Gulf States to the Mississippi, enduring much, and often forced to occupy the same room at night. De Soto in 1541 discovered the Mississippi River, thus adding to the moisture collection of Spain. After trying to mortgage his discovery to Eastern capitalists, he died, and was buried in the quiet bosom of the Great Father of waters. Thus once more the list of fatalities was added to and the hunger for gold was made to contribute a discovery. Menendez later on founded in 1565 the colony of St. Augustine, the oldest town in the United States. There are other towns that look older, but it is on account of dissipation. New York looks older, but it is because she always sat up later of nights than St. Augustine did. Cortez was one of the coarsest men who visited this country. He did not marry any wealthy American girls, for there were none, but he did everything else that was wrong, and his unpaid laundry-bills are still found all over the Spanish-speaking countries. He was especially lawless and cruel to the Peruvians: "recognizing the Peruvian at once by his bark," he would treat him with great indignity, instead of using other things which he had with him. Cortez had a way of capturing the most popular man in a city, and then he would call on the tax-payers to redeem him on the instalment plan. Most everybody hated Cortez, and when he held religious services the neighbors did not attend. The religious efforts made by Cortez were not successful. He killed a great many people, but converted but few. The historian desires at this time to speak briefly of the methods of Cortez from a commercial stand-point. Will the reader be good enough to cast his eye on the Cortez securities as shown in the picture drawn from memory by an artist yet a perfect gentleman? [Illustration: BANK OF CORTEZ.] Notice the bonds Nos. 18 and 27. Do you notice the listening attitude of No. 18? He is listening to the accumulating interest. Note the aged and haggard look of No. 27. He has just begun to notice that he is maturing.