“‘The introduction and amazing progress of illicit gaming at Lloyd’s Coffee House is, among others, a powerful and very melancholy proof of the degeneracy of the times. It is astonishing that this practice was begun, and has been, hitherto, carried on, by the matchless effrontery and impudence of one man. It is equally so, that he has met with so much encouragement from many of the principal underwriters, who are, in every other respect, useful members of society: and it is owing to the lenity of our laws, and want of spirit in the present administration, that this pernicious practice has not, hitherto, been suppressed. Though gaming in any degree (except what is warranted by law) is perverting the original and useful design of that Coffee House, it may, in some measure, be excuseable to speculate on the following subjects: Mr Wilkes being elected Member for London, which was done from 5 to 50 guineas per cent. Ditto for Middlesex, from 20 to 70 guineas per cent. Alderman B—— d’s life for one year, now doing at 7 per cent. On Sir J—— H—— being turned out in one year, now doing at 20 guineas per cent. On John Wilkes’s life for one year, now doing at 5 per cent. N.B.—Warranted to remain in prison during that period. On a declaration of war with France or Spain, in one year, 8 guineas per cent. And many other innocent things of that kind. But, when policies come to be opened on two of the first Peers in Britain losing their heads, within a year, at 10s. 6d. per cent.; and on the dissolution of the present Parliament, within one year, at 5 guineas per cent., which are now actually doing, and underwrote chiefly by Scotsmen, at the above Coffee House; it is surely high time for administration to interfere; and, by exerting the rigours of the laws against the authors and encouragers of such insurances (which must be done for some bad purpose), effectually put a stop to it.’” In the secretary’s room at Lloyd’s hangs the following policy:—“In consideration of three guineas for one hundred pounds, and according to that rate for every greater or less sum received of William Dorrington; we, who have hereunto subscribed our names, do for ourselves, and our respective heirs, executors, administrators, and assigns, and not one for the other or others of us; or for the heirs, executors, administrators and assigns of the other or others of us, assume, engage and promise that we respectively, or our several and respective heirs, executors, administrators, and assigns, shall and will pay, or cause to be paid, unto the said William Dorrington the sum and sums of money which we have hereunto respectively subscribed without any abatement whatever. “_In case_ Napoleon Bonaparte shall cease to exist, or be taken prisoner on, or before, the 21st day of June 1813, commencing from this day. London 21 May 1813.”