Now, I ask you, in the first place, to bear in mind that while a glacial epoch continued, extreme conditions could not have been restricted to the areas undergoing glaciation. There is abundant evidence, indeed, to show that heavy, snows occasionally covered other regions, and that in such places severe frosts acted upon the rocks and soils even of the low-grounds. Need we wonder if at a time when the northern ice-sheet approached the fiftieth parallel of latitude in middle Europe, when almost every mountain-group of central and southern Europe had its snow-fields and glaciers--need we wonder if at such a time the climate of wide areas outside of the glaciated tracts was extremely ungenial? The more closely the superficial accumulations of such areas are studied, the more clearly do we perceive in them the evidence of cold and humid conditions. Try, then, to picture to yourselves the probable aspect of those regions during a glacial epoch. Immediately south of the northern ice-sheet deep snows must have buried large tracts of country, and such snows may have endured often for long years, notwithstanding the great melting that took place in summer. Even much further south, as in Spain and Italy, deep snows would cover the lesser hills and hill-ranges, while frost would act energetically in many a district where such action is now either inconsiderable or unknown. Such being the general conditions that must have obtained in the non-glaciated areas, let us very briefly consider what the results of such conditions must necessarily have been. Every one has noticed, during the more or less rapid melting of snow in winter and early spring, that our streams and rivers are then much muddier than when in summer and autumn they are swollen by heavy rains. This of course is due to the action of frost, by means of which rocks are disintegrated and soils are broken up and pulverised, so that when thaw supervenes, the superficial covering becomes soaked with moisture like a sponge. To such an extent does this take place, that one may often see the saturated soil creeping, slipping, and even flowing down the slopes. The effect of mere thaw is of course much intensified when the water derived from melting snows is present. Rills and tiny brooks then become converted into dark muddy torrents, and enormous quantities of fine-grained detritus are eventually swept into the rivers. The rivers rise in flood and inundate their plains, over the surface of which considerable deposits of loam and silt often accumulate. We cannot doubt that similar but much more intense action must have taken place over very wide regions in Europe during a glacial epoch. Such having necessarily been the case, we are not required to suppose that the löss and similar loams have been deposited entirely by rivers flowing from glaciers. It is doubtless true that most of the rivers headed in those days in glacier regions, and must in consequence have been highly