X. FITTING OUT A FIFTY-TONNER TO GO FOREIGN. 295 _By E. F. Knight._ XI. BALTIC CRUISING 308 _By E. F. Knight._ XII. FIVE-TONNERS AND FIVE-RATERS IN THE NORTH 322 _By G. L. Blake._ XIII. YACHT INSURANCE 407 _By G. L. Blake._ INDEX 415 ILLUSTRATIONS IN THE FIRST VOLUME (_Reproduced by J. D. Cooper and Messrs. Walker & Boutall_) FULL-PAGE ILLUSTRATIONS ARTIST TO FACE PAGE UNION JACK _Frontispiece_ 'BRITANNIA,' H.R.H. Prince of Wales _From a photograph by Wm. U. Kirk, of Cowes_ 50 'VARUNA,' 40-RATER _From a photograph by Adamson, of Rothesay_ 54 'DORA,' 10-TONNER " 58 'ARROW'--LINES _G. L. Watson_ 72 'LETHE'--KEEL _From a photograph_ 78 SALOON OF 'THISTLE' " 82 'JULLANAR' _From a photograph by Adamson, of Rothesay_ 88 MIDSHIP SECTIONS _J. M. Soper, M.I.N.A._ 102 'EGERIA' _R. T. Pritchett_ 114 'EGERIA' AND 'OIMARA' " 134 'SEABELLE' " 138 RACING FLAGS, SCHOONERS, CUTTERS, YAWLS, &c 140 'SAVOURNA,' 5-RATER _From a photograph by Adamson, of Rothesay_ 244 'THE BABE,' 2-1/2-RATER _From a photograph by Symonds, of Portsmouth_ 246 'DACIA,' 5-RATER " 252 SOLENT OWNERS' RACING COLOURS 276 START OF SMALL RATERS ON THE CLYDE _From a photograph by Adamson, of Rothesay_ 354 'WENONAH,' 2-1/2-RATER " 360 'RED LANCER,' 5-RATER " 372 COMMERCIAL CODE OF SIGNALS 394 ILLUSTRATIONS IN TEXT BEFORE THE START (_Vignette_) _Title-page_ VICTORIA CUP, 1893 _R. T. Pritchett_ 1 'SUNBEAM' (R.Y.S), 1874 " 19 'SUNBEAM'--MIDSHIP SECTION _St. Clare Byrne, of Liverpool_ 24