and later statistics would, no doubt, show vastly more fires from the use of kerosene than are here attributed to candles. The prevention of fires, and the best means of minimizing the loss when they do occur, are topics which cover a wide field, and a collection of the literature on the subject would make a very respectable library. As the question presents itself to-day, it may well be doubted whether the general practice of large property holders of insuring all their possessions does not tend to lessen the constant vigilance which is the most essential requisite in preventing fires. Thousands of merchants never mean to keep a dollar's worth of goods in store or warehouse that is not fully covered by insurance, and they make this cost a regular charge upon their business as peremptorily as they do the wages paid the hands in their employ. But few manufacturers can so completely cover their risks by insurance, yet a large portion of them do so as far as they are able. It does not follow but that the larger portion of both merchants and manufacturers exercise what the law will fully decide is "due vigilance" in the care of the property so insured, but it is evident that in most cases the thoughtfulness is much less complete--the care wonderfully lacking in personal supervision--as compared with what would be the case were each one his own insurer. Of course, this in no way casts a doubt upon the general policy of business men being amply insured, but in fact shows the greater necessity why they should be so, that they may not suffer from the carelessness of a neighbor; it also points to the necessity of continually increasing care and thoroughness of inspection on the part of the insurance companies. These agencies, in fact, must compel the insured to keep up to the mark in the introduction of every improvement to ward off fires or diminish their destructiveness. The progress made in this department during recent years has been great. The almost universal use of steam has been attended by the fitting up of factories with force pumps, hose, and all the appliances of a modern fire brigade; dangerous rooms are metal sheathed, and machinery likely to cause fire is surrounded by stationary pipes from which jets of water may be turned on instantaneously from the outside; stores and warehouses have standing pipes from which every floor may be flooded with water under pressure, and the elevators, those most dangerous flues for rapidly spreading a fire, are either bricked in entirely or supposed to be closed at every floor. The latter point, however, is sometimes forgotten, as sea captains forget to keep the divisions of their vessels having watertight compartments separate from one another; the open elevator enlarges a small fire as rapidly as the open compartment allows the vessel to sink.