Meanwhile considerable difficulties had been experienced with the Indian currency, which was on a purely silver basis. Before 1873 the fluctuations in the value of silver as compared with gold had been comparatively small, and the exchange value of the rupee was rarely less than two shillings. But after 1873, in consequence of changes in the monetary systems of France and Germany, and the increased production of silver, this stability of exchange no longer continued, and the rupee sank steadily in value, till it was worth little more than half its face value. This great shrinkage in exchange caused considerable loss to the Indian government in remitting to Europe, and entailed hardship upon Anglo-Indians who received pensions or other payments in rupees, while on the other hand it supplied an artificial stimulus to the export trade by increasing the purchasing power of gold. This advantage, however, was outweighed by the uncertainty as to what the exchange value of the rupee might be at any particular date, which imported a gambling element into commerce. Accordingly in June 1893 an act was passed closing the Indian mints to the free coinage of silver. Six years later, in 1899, the change was completed by an act making gold legal tender at the rate of £1 for Rs.15, or at the rate of is. 4d. per rupee, and both the government and the individual now know exactly what their obligations will be. Lord Curzon's reforms. When Lord Curzon became viceroy in 1898, he reversed the policy on the north-west frontier which had given rise to the Tirah campaign, withdrew outlying garrisons in tribal country, substituted for them tribal militia, and created the new North-West Frontier province, for the purpose of introducing consistency of policy and firmness of control upon that disturbed border. In addition, after making careful inquiry through various commissions, he reformed the systems of education and police, laid down a comprehensive scheme of irrigation, improved the leave rules and the excessive report-writing of the civil service, encouraged the native princes by the formation of the Imperial Cadet Corps and introduced many other reforms. His term of office was also notable for the coronation durbar at Delhi in January 1903, the expedition to Lhasa in 1904, which first unveiled that forbidden city to European gaze, and the partition of Bengal in 1905. In December 1904 Lord Curzon entered upon a second term of office, which was unfortunately marred by a controversy with Lord Kitchener, the commander-in-chief, as to the position of the military member of council. Lord Curzon, finding himself at variance with the secretary of state, resigned before the end of the first year, and was succeeded by Lord Minto. Lord Minto. The unrest.