I cabled to the Department of State asking permission to make the indorsements (a thing hitherto expressly forbidden by the instructions to diplomatic officers), and explaining that I would take in each case the best security obtainable, whether in the form of a draft on a letter of credit or a personal note of hand with satisfactory references, and that no money should be drawn except for necessary living expenses and the cost of the journey home. The answer came promptly: "You have the authority to indorse." So a system of international banking between two Governments was introduced. I believe it was absolutely a new plan. But it worked. Then another idea occurred to me. The letters of credit were usually drawn on London or Paris. In both cities a moratorium was on. Why not make the drafts directly on New York? Why not call on the signer of the letter of credit for the money instead of calling on the addressee? This would cut out any possibility of difficulty from the moratorium. This also was a new method. But it seemed reasonable. We tried it. And it worked. A visiting committee of New York bankers to whom I related this experience later laughed immensely. They also made some remarks about "amateurs" and "audacity" which I would rather not repeat. But upon the whole they did not seem shocked beyond recovery. So it happened, by good fortune, that there was never a day in The Hague when an American fugitive from the war, homeward bound, could not obtain what cash he needed for him to live and to get to the United States. But not money to buy souvenir spoons, or old furniture and pictures. "Very sorry," we explained, "but our Government is not dealing in antiquities at present. It is simply helping you to get home as quickly and comfortably as possible. Please tell us how much money you need for board and passage-money and you shall have it." Except three or four chronic growlers and a few passionate antiquarian ladies, everybody took it good-humoredly and cheerfully. I think they understood, though not always clearly, that our Government was doing more for its citizens caught out in a tempest than any other government in the world would have done. When the Tennessee arrived in the latter part of August with $2,500,000 in gold for the same purpose, it was another illustration of our Government's parental care and forethought. We received our share of this gold at The Hague. The first use we made of part of it was to take up the American checks and drafts on which the Bank of the Netherlands had advanced the money. Then we sent the paper to America for collection and repayment to the National Treasury. I have not the accounts here and cannot speak by the book, but I think I am not far out in saying that our loss on these transactions was less than five per cent of the total amount handled. And we banked for some very poor people, too!