Down-town--"'way down-town," in the vernacular--in latitude far south of homes and peace and contemplation, where everything is business and dollars and hardness, and the streets might well be economically straight, and rigorously business-like, they are incongruously crooked, running hither and thither in a dreamy, unpractical manner, beginning where they please and ending where it suits them best, in a narrow, Old-World way, despite their astonishing, New-World architecture. Numbers would do well enough for names down here, but instead of concise and business-like street-signs, the lamp-posts show quaint, incongruous names, sentimental names, poetic names sometimes, because these streets were born and not made. [Illustration: It still remains whimsically individual and village-like.] They were born of the needs or whims of the early population, including cows, long before the little western city became self-conscious about its incipient greatness, and ordered a ready-made plan for its future growth. It was too late for the painstaking commissioners down here. One little settlement of houses had gradually reached out toward another, each with its own line of streets or paths, until finally they all grew together solidly into a city, not caring whether they dovetailed or not, and one or the other or both of the old road names stuck fast. The Beaver's Path, leading from the Parade (which afterward became the Bowling Green) over to the swampy inlet which by drainage became the sheep pasture and later was named Broad Street, is still called Beaver Street to this day. The Maiden Lane, where New York girls used to stroll (and in still more primitive times used to do the washing) along-side the stream which gave the street its present winding shape and low grading, is still called Maiden Lane, though probably the only strollers in the modern jostling crowd along this street, now the heart of the diamond district, are the special detectives who have a personal acquaintance with every distinguished jewellery crook in the country, and guard "the Lane," as they call it, so carefully that not in fifteen years has a member of the profession crossed the "dead-line" successfully. There is Bridge Street, which no longer has any stream to bridge; Dock Street, where there is no dock; Water Street, once upon the river-front but now separated from the water by several blocks and much enormously valuable real estate; and Wall Street, which now seems to lack the wooden wall by which Governor Stuyvesant sought to keep New Englanders out of town. His efforts were of no permanent value. [Illustration: A Fourteenth Street Tree.]