Let us note the whiteness of the shirts and ruffles: a merchant will change his shirt three times a day; it is a custom of the City thus to present snow-white linen. The clerks, we see, wear wigs like their masters, but they are smaller. The varieties of wigs are endless. Those that decorate the heads of the clerks are not the full-bottomed wig, to assume which would be presumptuous in one in service. Most of the mechanics wear their hair tied behind; the rustics, sailors, stevedores, watermen, and river-side men generally wear it long, loose, and unkempt. There is a great trade in second-hand wigs. In Rosemary Lane there is a wig lottery. You pay sixpence, and you dip in a cask for an old wig. It may turn out quite a presentable thing, and it may be worthless. Here is a company of sailors rolling along armed with clubs. They are bound to Ratcliffe, where, this evening, when the men are all drinking in the taverns, there will be a press. Their hats are three-cornered, they wear blue jackets, blue shirts, and blue petticoats. Their hair hangs about their ears. Beside them marches the lieutenant in the new uniform of blue, faced with white. Let us consider the private life of the people day by day. For this purpose we must not go to the essayists or the dramas. The novels of the time afford some help; books corresponding to our directories, almanacs, old account-books, are the real guides to a reconstruction of life as it was about the year 1750. From such books as these the following notes are derived. [Illustration: NORTH VIEW OF THE MARSHALSEA, SOUTHWARK] The most expensive parts of the town were the streets round St. Paul's Church-yard, Cheapside, and the Royal Exchange. Charing Cross, Covent Garden, and St. James's lie outside our limits. Here the rent of a moderate house was from a hundred to a hundred and fifty guineas a year. In less central places the rents were not more than half as much. There were six or seven fire insurance offices. The premium for insurance on houses and goods not called hazardous was generally two shillings per cent. on any sum under £1000, half a crown on all sums between £1000 and £2000, and three and sixpence on all sums over £3000, so that a man insuring his house and furniture for £2500 would pay an annual premium of £4 7_s._ 6_d._