Numerous groups are studded along the Bug and around the southern side of the Pripet Marshes. In South Russia there are again several groups in the Odessa region and north of the Sea of Azov. Still larger numbers live along the Volga in the Saratov region. The German settlements in Transylvania, often loosely styled Saxon, date in large part from the twelfth century, and the people came in considerable numbers from the Rhine in its 'Low German' section; the Bukovina and Russian areas received their German influx towards the end of the eighteenth century. 5 _Some Peoples intermediate between Romance and Germanic in speech_ Having now referred to Italians, French, and Germans, it seems appropriate to invite consideration of the Swiss people, so marked a unit in European life in spite of differences of language, religion, and economic activity. A very early but apparently incomplete development of the settled life on lake shores was correlated with a good deal of seasonal and other migration of people using the hill pastures in summer and developing dairying activities. Feudal localism came in as on the more open areas round about, but did not take such root as it did on the richer plains, so that though, with exceptions (p. 23), the form of speech approximated to that {46} of surrounding lands (Italian, French, and Alemannic), political domination by the surrounding lands was strongly and, in the end, successfully resisted. The landed aristocracy in the end either left the poor territory (parts of Neuchatel) or gave up their privileges and merged in the people as leaders (especially in French and German Switzerland); they had to be a _noblesse de campagne_ rather than a _noblesse de cour_, and the fate of the former, even in France, but much more in Norway and in Finland, has been to merge itself in the people. There has been a persistence of localism without the accompaniment of feudalism, and the cantons have democratized their government to a remarkable degree, developing pacific ideals combined with zeal for local defence. They now furnish a most interesting example of a strong union for defensive purposes with little possibility of the passing of defence into aggression. Centuries of poverty have led to emigration and to a keenness on intellectual equipment paralleled in Scotland, Denmark, and modern Wales, but reaching a unique level in Switzerland with its seven institutions of university rank and their relatively enormous student population. The value of the Swiss Universities has brought them students from all over the world, and the hospitality of Switzerland to refugees and to tourists has made the country a most important international centre, as the Red Cross and the League of Nations head-quarters testify. Side by side with this has grown the importance of Switzerland as a banking centre, this line of work being much promoted by the growing tension in economic relations in Europe,