No human life can be perfect, or even be lived without troubles. Clams have their troubles, I dare say. A queer sort of sinking feeling just like descending in a fast elevator comes over one, as if trouble and the abdominal viscera had a direct connection. Some one has said that it must be because that is where the average mind centres. Thus, when we lost the little steamer Swallow which we were towing, and with it the evidence of a crime and the road to the prevention of its repetition, it absolutely sickened me for two or three days, or, to be more exact, during two or three nights. It was all quite unnecessary, for we can see now that the matter worked out for the best. The fact that troubles hurt most when one is at rest and one's mind unoccupied, and in the night when one's vitality is lowest, is a great comfort, because that shows how it is something physical that is at fault, and no physical troubles are of very great importance.

The summer of 1910 brought me a fine crop of personal worries, and probably deservedly so, for no one should leave his business affairs too much to another, without guarantees, occasionally renewed, that all is well. Few professional men are good at business, and personally I have no liking for it. This, combined with an over-readiness to accept as helpers men whose only qualifications have sometimes been of their own rating, was really spoiling for trouble—and mine came through the series of coöperative stores.

To begin with, none of the stores were incorporated, and their liabilities were therefore unlimited. Though I had always felt it best not to accept a penny of interest, I had been obliged to loan them money, and their agent in St. John's, who was also mine, allowed them considerable latitude in credits. It was, indeed, a bolt from the blue when I was informed that the merchants in St. John's were owed by the stores the sum of twenty-five thousand dollars, and that I was being held responsible for every cent of it—because on the strength of their faith in me, and their knowledge that I was interested in the stores, having brought them into being, they had been willing to let the credits mount up. Even then I still had all my work to carry on and little time to devote to money affairs. Had I accepted, on first entering the Mission, the salary offered me, which was that of my predecessor, I should have been able to meet these liabilities, and very gladly indeed would I have done so. As it was I had to find some way out. All the merchants interested were told of the facts, and asked to meet me at the office of one of them, go over the accounts with my agent, and try and find a plan to settle. One can have little heart in his work if he feels every one who looks at him really thinks that he is a defaulter. The outcome of the inquiry revealed that if the agent could not show which store owed each debt, neither could the merchants; some had made out their bills to separate stores, some all to one store, and some in a general way to myself, though not one single penny of the debt was a personal one of my own.

The next discovery was that the manager of the St. Anthony store, who had been my summer secretary before, and was an exceedingly pious man—whose great zeal for cottage prayer meetings, and that form of religious work, had led me to think far too highly of him—had neglected his books. He had given credit to every one who came along (though it was a cardinal statute under his rules that no credit was to be allowed except at his own personal risk). The St. John's agent claimed that he had made a loss of twelve thousand dollars in a little over a year, in which he professed to have been able to pay ten per cent to shareholders and put by three hundred dollars to reserve. Besides this, the new local store secretary had mixed up affairs by both ordering supplies direct from Canada and sending produce there, which the St. John's agent claimed were owed to the merchants in that city.

These two men, instead of pulling together, were, I found, bitter enemies; and it looked as if the whole pack of cards were tumbling about my ears. I cashed every available personal asset which I could. The beautiful schooner, Emma E. White, also a personal possession, arrived in St. John's while we were there with a full load of lumber, but it and she sailed straight into the melting-pot. The merchants, with one exception, were all as good about the matter as men can be. They were perfectly satisfied when they realized that I meant facing the debt squarely. One was nasty about it, saying that he would not wait—and oddly enough in ordinary life he was a man whom one would not expect to be ungenerous, for he too was a religious man. Whether he gained by it or not it is hard to say. He was paid first, anyhow. The standard of what is really remunerative in life is differently graded. The stores have dealt with him since, and his prices are fair and honest; but he was the only one among some twenty who even appeared to kick a man when he was down. I have nothing but gratitude to all the rest.

I should add that the incident was not the fault of the people of the coast. Often I had been warned by the merchants that the coöperative stores would fail and that the people would rob me. It is true that there was trouble over the badly kept books, and a number of the fishermen disclaimed their debts charged against them; but with one exception no one came and said that he had had things which were not noted on the bills. I am confident, however, that they did not go back on me willingly, and when my merchant friends said, "I told you so," I honestly was able to state that it was the management, not the people or the system, that was at fault. Indeed, subsequent events have proved this. For five of the stores still run, and run splendidly, and pay handsomer dividends by far than any investment our people could possibly make elsewhere.

With the sale of a few investments and some other available property, the liability was so far reduced that, with what the stores paid, only one merchant was not fully indemnified, and he generously told me not to worry about the balance.

This same year, on the other hand, one of our most forward steps, so far as the Mission was concerned, was taken, through the generosity of the late Mr. George B. Cluett, of Troy, New York. He had built specially for our work a magnificent three-masted schooner, fitted with the best of gear including a motor launch. She was constructed of three-inch oak plank, sheathed with hardwood for work in the ice-fields. She was also fitted with an eighty horse-power Wolverine engine. The bronze tablet in her bore the inscription, "This vessel with full equipment was presented to Wilfred T. Grenfell by George B. Cluett." He had previously asked me if I would like any words from the Bible on the plate, and I had suggested, "The sea is His and He made it." The designer unfortunately put the text after the inscription; so that I have been frequently asked why and how I came to make it, seeing that it is believed by all good Christians that in heaven "there shall be no more sea."

To help out with the expenses of getting her running, our loved friend from Chicago, Mr. W.R. Stirling, agreed to come North on the schooner the first season, bringing his two daughters and three friends. Even though he was renting her for a yachting trip, he offered to bring all the cargo free and make the Mission stations his ports of call.

Mr. Cluett's idea was that, as we had big expenses carrying endless freight so far North, and as it got so broken and often lost in transit, and greatly damaged in the many changes involved from rail to steamer, and from steamer to steamer, if she carried our freight in summer, she could in winter earn enough to make it all free, and possibly provide a sinking fund for herself as well. There was also good accommodation in her for doctors, nurses, students, etc., who every summer come from the South to help in various ways in the work of the Mission.