The first step towards a remedy for this state of things is to inquire into the causes of shipwreck. There can be little hesitation in naming Marine Insurance as the chief destroyer. Unseaworthiness and overloading of vessels; their being ill found in anchors, cables, sails, and rigging; defects of compasses, want of good charts, incompetency of masters, may all be attributed to this source. If the shipowners were not guaranteed from loss, they would take care that their vessels were seaworthy, commanded by qualified persons, and furnished with every necessary store. The terms of the insurance, moreover, offer a direct premium to create in all cases of casualty a "total loss." For instance, a ship strikes the ground and becomes damaged, but, under able management, might be got off and repaired. In this case, however, the assured has to bear one third part of the loss; whereas, if the loss is total, he gets the whole of his insurance. Under these circumstances, even when there is no deliberate desire to perpetrate a wrong, the captain will leave the ship to her fate instead of using his energies to preserve her to the detriment of his employer. It is the opinion of many that if the insurers were to agree to pay the whole insurance, whether the damaged vessel were got off or not, that we should see a marked diminution in the list of total losses at sea, for the natural inclination of the captain to save his ship would then no longer be counterbalanced by his desire to save the pocket of the owner.