Harrow, May 4th, 187—

Dear Francis,

I was heartily glad to hear from you again, as I was beginning to fancy you had forgotten me. So you are thinking of going abroad to try the German waters? I have a very useful book, called "The Baths of Europe," and also a small pamphlet on the "German Waters." I will lend them both to you. There are some others written by English physicians, but I forget their titles at this moment. Any bookseller, however, would supply you with the information; but let me advise you, if you intend trying a course of water-drinking or bathing at the foreign spas, not to select any particular place or bath merely from a description given in a book, however good or reliable it may be, so much depends on individual cases and constitutions. Consult first some physician who has made the foreign baths his particular study.

Trusting you will derive benefit from the change,

Believe me, yours ever, ______


A Gentleman applying for a Loan on the Insurance of his Life.

Chelsea, S.W., May 14th, 187—

Sir,

Having seen an advertisement in the Evening Standard, stating that advances are made by you on life policies at the rate of 5 per cent. per annum, I should feel obliged if you would inform me what amount would be advanced on my life policy. I have insured in the G—— office for nearly eighteen years. The policy is No. 18,723. The annual premium is 50l. A reply at your earliest convenience will oblige,