The inclination of each lesser lord was obviously to assert as much independence as he could. He naturally objected to paying money or service without benefit received; and he could see no good that this "overlord" did for him or for his district. It seemed likely at this time that instead of being divided into three kingdoms, the Frankish empire would split into thousands of little castled states. That is, it seemed so, after the various marauding nations were disposed of. The Northmen were pacified by presenting them outright with the coast lands they had most harried. Their great leader, Rolf, accepted the territory with some vague and ill-kept promise of vassalage to the French King, and with a very firmly held determination that he would let no pirates ravage his land or cross it to reach others. So the French coast became Normandy, and the Northmen learned the tongue and manners of their new home, and softened their harsh name to "Norman," even as they softened their harsh ways, and rapidly became the most able and most cultured of Frenchmen. As for the Saracens, being unprogressive and no longer enthusiastic, they grew ever feebler, while the Italian cities, being Aryan and left to themselves, grew strong. At length their fleets met those of the Saracens on equal terms, and defeated them, and gradually wrested from them the control of the Mediterranean. Invaders were thus everywhere met as they came, locally. There was no general gathering of the Frankish forces against them. The repulse of the Huns proved the hardest matter of all. Fortunately for the Germans, their line of Carlovingian emperors died out. So the various dukes and counts, practically each an independent sovereign, met and elected a king from among themselves, not really to rule them, but to enable them to unite against the Huns. After their first elected king had been soundly beaten by one of his dukes, he died, and in their next choice they had the luck to light upon a leader really great. Henry the Fowler, more honorably known as Henry the City-builder,[9] taught them how to defeat their foe. [Footnote 9: See _Henry the Fowler Founds the Saxon Line of German Kings_.] Much to the disgust of his simple and war-hardened comrades, he first sent to the Hungarians and purchased peace and paid them tribute. Having thus secured a temporary respite, Henry encouraged and aided his people in building walled cities all along the frontier. He also planned to meet the invaders on equal terms by training his warriors to fight on horseback. He instituted tournaments and created an order of knighthood, and is thus generally regarded as the founder of chivalry, that fairest fruit of mediaeval times, which did so much to preserve honor and tenderness and respect for womankind.[10] [Footnote 10: See _Growth and Decadence of Chivalry_.]