The fin consists of a plate of iron or steel to the base of which is affixed a bulb of lead, which, being in the best possible place, insures stability. The fin proper gives lateral resistance in an almost perfect form, for there is no deadwood either forward or aft and the least possible amount of wetted surface. I remember when a little boy in a fishing village on the bank of a land-locked arm of the sea, where the water was always smooth, how we youngsters came to appreciate fully the worth of an improvised ballast-fin. We used to enjoy the diversion of model yacht sailing and the delights of many regattas. I owned one of the smartest models in the village. She was rigged as a cutter with outside lead, self-steering gear and all the latest maritime improvements, and she generally came out a winner. I tell you I used to put on a great many airs on this account, and as a natural result was duly hated and envied by my playmates, who owned more or less tubby craft that could scarcely get out of their own way.

But the day arrived when my pride was destined to have a fall. A shrewd youth of Scottish extraction came to our village for the summer with his father. He had the keenest, greenest eye you ever saw, and one of those money-making noses that are unmistakable. His whole physiognomy and form indicated shrewdness. He mingled with us for some time on the beach, mudlarked with the boys and watched our model yacht matches with undisguised interest. We all got the notion that he was an inland landlubber, though it is only fair to him to acknowledge that he never told us so in so many words.

One Saturday afternoon, after my little cutter had surpassed herself by distancing all her opponents, I indulged in some unusually tall talk, and challenged each and every one of my rivals to a race across the "creek," as the sheet of water was called, offering to give them four minutes' start, the distance being half a mile.

To my surprise, our green-eyed friend came along and accepted the challenge, saying that on the following Saturday he would produce a craft that would knock spots out of my cutter without any time allowance whatever, and without the aid of a longer hull or larger sailspread. He also remarked that he had a month's pocket money saved up, and was willing to wager it on the result. I accepted his offer without superfluous parleying, and in my mind's eye was already investing that pocket money of his in various little treasures for which I hankered. But, for all that, I made every preparation for the fray, using very fine sandpaper and pot lead till my boat's bottom was beautifully burnished, and seeing that her sails and gear were in tip top racing condition. All the boys wondered what sort of a craft my opponent would bring out. He had never been seen with a boat of any description. We laughed in our sleeves and whispered it about that he would probably produce one of those showy vessels that one sees in the city toy store, and that generally sail on their beam ends.

The hour for the race arrived. The boys were all excited and flocked to the water's edge, whence the start was to be made. There was a goodly throng of them present, and, notwithstanding their contempt for the Scotchman, it was no doubt the desire of their hearts that some of my overweening conceit should be taken down a couple of pegs or so. Presently my rival appeared on the scene, carrying in his arms the queerest looking craft any of us had ever seen. Her hull was shaped like an Indian birch bark canoe, except that to the rounded bottom a keel was fastened. A groove was made in the keel, in which an oblong piece of slate was placed, to the bottom of which a strip of lead was secured. The rig was that of a cutter, and I noticed that her sails were well cut. She looked quite business-like, and when she was measured we found she was two inches shorter than my cutter.

There was a nice, fresh westerly wind blowing, and quite a lop of a sea running for diminutive craft such as were about to race. I had already deemed it prudent to take in a reef in the mainsail of my vessel, and set a No. 2 jib, but my Scotch friend said he thought his boat would carry whole sail without any trouble. The course was south, so the craft had to sail with the wind a-beam. The start was made, my boat being to windward, as I had won the toss. And that was all I did win. The "ballast-fin" craft beat my cutter so badly that even at this distance of time my ears tingle and I feel ashamed. While my boat was burying herself, her rival took the curling wavelets right buoyantly, standing up to her work valiantly, and moving two feet to the cutter's one. We accompanied the model yachts in row-boats, keeping well to leeward, but quite close enough to observe their movements accurately. That was my first experience of the ballast-fin. We all became converts, and shoal, round-bottomed craft, with slate fins to give stability and lateral resistance, were thenceforward the fashion. My successful rival, we afterward discovered, was the son of a naval architect of repute, and he is now practising his father's profession with a good deal of success.

Thus I have not a word to say against the ballast-fin so far as racing is concerned, but in cruising the average man who sails for pleasure wants a craft that he can haul out of the water easily to scrub, clean and paint. Now, if you put a ballast-fin boat on the mud for any one or all of these purposes she requires a "leg" on each side to keep her upright, and also supports at the bow and stern to prevent her from turning head over heels. The stationary fin always represents your true draught of water. It is always with you and is an integral portion of the boat's hull. If you happen to get stuck on a shoal—and this is a contingency that has occurred frequently to the most skillful and careful navigator—in thick weather for instance, your lot is by no means to be envied. This is particularly true if the tide is falling fast. The boat would go over on her side as soon as the water got low enough. The crew and passengers might have to wait aboard until high water, and a precious uncomfortable time they would pass I am certain. When the flood tide made it might be a moot question whether the boat would float or fill with water.

The movable centerplate will always let you know when you get on a shoal, and will in nearly all cases give you warning in time to avoid grounding, which is always an unpleasant predicament and one entailing much labor. Then, again, the anchorages at which small boats can safely lie are generally pretty shallow at low water and the ballast-fin is found to be mighty inconvenient for such places.

SAIL PLAN OF FIN-KEEL.