Each Chief or Prince was attended by a small retinue of retainers, one or two being armed and clad in barbaric garb of mediæval chain-mail armour, and also a standard bearer who unfurled his banner to the breeze over the head of his own individual Chieftain. As each Chief reached the marquee he was placed in order of precedence alongside the throne. Last of all, the Viceroy and Prince of Wales appeared, escorted by nearly the whole of the bodyguard accoutred in their bright and picturesque uniform, surrounded by a most brilliant and numerous staff of aides-de-camp and equerries (chobdahs heading the procession), and all the other State officials attached to the entourage of both the Viceroy and Prince. The ceremony which took a considerable time was conducted with all the viceregal pomp and circumstance usual on such occasions, and, as I have already remarked, has never at any time been equalled in grandeur and spectacular effect in the annals of Calcutta. COST OF LIVING IN CALCUTTA. When I first arrived, everything was immeasurably cheaper than it is now, and it will no doubt surprise the young assistants in mercantile offices of the present day to hear that for the first year I received the sum of Rs. 200 per mensem and managed to live very comfortably on it. And when in the following year my salary was raised to Rs. 250 I could indulge in the luxury of a buggy and horse. I had a room in the best boarding house in Calcutta, in which lived young civilians or competition-wallahs as they were then styled, studying the languages prior to being drafted somewhere up-country, barristers, lawyers, merchants, and brokers. For this I paid Rs. 90 per month. My bearer, khit, and dhobi cost me a further Rs. 20--the two first Rs. 8 each and the latter Rs. 4. House-rent was ridiculously cheap in comparison with the rates of the present day. As far as I recollect, the biggest house in Chowringhee was obtainable for Rs. 400 or Rs. 450 at the outside. No. 3, London Street, where my Burra Sahib then lived, was only Rs. 300 a month. A horse and syce cost about Rs. 25 a month to keep, and everything else in proportion. People were then very simple and inexpensive in their tastes. There was not, I think, the same inclination to spend money, and, as a matter of fact, there were not so many opportunities of doing so. For one thing, there were no theatres and other places of amusement, and trips home and even to the hills were few and far between. Ladies in those days thought nothing of staying with their husbands in Calcutta for several consecutive years, and yet they lived happily and contentedly through it all. To wind up the situation as regards expenses, I should say roundly that they are now about double what they were then. [Illustration: _Photo. by Johnston & Hoffmann_ Howrah Bridge from Calcutta side.] [Illustration: View of Harrison Road from Howrah Bridge.] POLICY OF INSURANCE.