Among the province-trading vessels lying at anchor in Manilla river, there are at all times to be seen some curious specimens of ship-building, few of them being insurable. Some of these coasters, although nearly all shaped in the European style, have almost the whole of their rigging constructed of ropes made from the bamboo, and are fitted with anchors made from ebony or some other heavy wood, having occasionally a large piece of stone fastened to them, to insure their sinking. The cables to which they are attached are generally of a black rush, like sedge, or of bamboo; but in the event of a gale, I should say that their crews had great need never to embark in these frail shells, except when well assured of being at peace with God and man. In ordinary years these vessels are laid up for several months every season, as it would most probably be certain destruction for any of them to attempt proceeding to sea from October till December. Although a large proportion of the colonial-built vessels are bad, still there are a few constructed in the country which would be considered fine ships in any part of the world. When a good vessel is built there, the first voyage she makes is usually to Spain, if she can get a freight; and after discharging her cargo, her next voyage is to a British port, in order that she may be fitted with copper bolts and iron work, under the inspection of Lloyd's surveyor; after which her character is established, and she is classed A 1 ship for a term of years. But notwithstanding these ships being placed in Lloyd's books, the insurance offices can seldom be persuaded to accept of risks even in first-class vessels, when their crews are Spaniards, on the same favourable terms at which risks are freely taken on good British ships. They almost invariably demand an increased premium, and occasionally decline risks by them altogether. Now, although bad management sometimes occurs on board of Spanish ships, our own are not exempt from it; and I believe that prejudice causes them to refuse the insurance as much as anything else. The Dons have got a bad name as seamen, and very true is the elegant proverb, "Give a dog a bad name, and hang him." CHAPTER XXXII.