bill, the proprietor, instead of intrusting it as usual to the headwaiter, presented it in person.

"If Herr Stewart would pay in gold, it would be a great favor," he said.

Like all Americans, Stewart, unaccustomed to gold and finding its weight burdensome, carried banknotes whenever it was possible to do so. Emptying his pockets now, he found, besides a miscellaneous lot of silver and nickel and copper, a single small gold coin, value ten marks.

"But I have plenty of paper," he said, and, producing his pocket-book, spread five notes for a hundred marks each before him on the table. "What's the matter with it?"

"There is nothing at all the matter with it, sir," the little fat German hastened to assure him; "only, just at present, there is a preference for gold. I would advise that you get gold for these notes, if possible."

"I have a Cook's letter of credit," said Stewart. "They would give me gold. Where is Cook's office here?"

"It is but a step up the street, sir," answered the other eagerly. "Come, I will show you," and, hastening to the door, he pointed out the office at the end of a row of buildings jutting out toward the cathedral.

Stewart, the banknotes in his hand, hastened thither, and found quite a crowd of people drawing money on traveler's checks and letters of credit. He noticed that they were all being paid in gold. They, too, it seemed, had heard rumors of war, had been advised to get gold; but most of them treated the rumors as a joke and were heeding the advice only because they needed gold to pay their bills.

Even if there was war, they told each other, it could not affect them. At most, it would only add a spice of excitement and adventure to the remainder of their European tour; what they most feared was that they would not be permitted to see any of the fighting! A few of the more timid shamefacedly confessed that they were getting ready to turn homeward, but by far the greater number proclaimed the fact that they had made up their minds not to alter their plans in any detail. So much Stewart gathered as he stood in line waiting his turn; then he was in front of the cashier's window.

The cashier looked rather dubious when Stewart laid the banknotes down and asked for gold.

"I am carrying one of your letters of credit," Stewart explained, and produced it. "I 

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