Returning South in the fall of 1895, business necessitated my remaining for some time in St. John's, where as previously the Governor, Sir Terence O'Brien, very kindly entertained me. It proved to be a most exciting time. There were only two banks in the Colony, called respectively the Union and the Commercial. These issued all the notes used in the country and except for the savings bank had all the deposits of the fishermen and people. Suddenly one day I was told, though with extreme secrecy, that the two banks were unsound and would not again open after Monday morning. This was early on Saturday. Business went on as usual, but among the leaders of the country consternation was beginning to spread. The banks closed at their usual hour—three o 'clock on Saturday, and so far as I knew no one profited by the secret knowledge, though later accusations were made against some people. The serious nature of the impending disaster never really dawned on me, not being either personally concerned in either bank or having any experience of finance. When the collection came around at the cathedral on Sunday my friend whispered to me, "That silver will be valuable to-morrow." It so happened that on Sunday I was dining with the Prime Minister, who had befriended all our efforts, and his tremendously serious view of the position of the Colony sent me to bed full of alarms for my new friends. We were to have sailed for England next day and I went down after breakfast to buy my ticket. The agent sold it, but remarked, "I am not sure if Newfoundland money is good any longer. It is a speculation selling you this ticket." Before we sailed the vessel was held up by the Government, as only a few of the ships were taking notes at face value. Those of the Commercial Bank were only fetching twenty cents. Besides the banks quite a number of commercial firms also closed. The directors of the banks were all local merchants, and many were heavily indebted to them for supplies given out to their "planters," as they call the fishermen whom they supply with goods in advance to catch fish for them. It was a sorry mix-up, and business was very difficult to carry on because we had no medium of exchange. Even the Governor to pay his gardener had to give I.O.U. orders on shops—there simply being no currency available.

Matters have long since adjusted themselves, though neither bank ever reopened. Larger banks of good standing came in from Canada, and no one can find anything of which to complain in the financial affairs of the "oldest Colony," even in these days of war.

Newfoundland has a large seal as well as cod fishery. The great sealing captains are all aristocrats of the fishermen and certainly are an unusually fine set of men. The work calls for peculiar training in the hardest of schools, for great self-reliance and resource, besides skill in handling men and ships. In those days the doyen of the fleet was Captain Samuel Blandford. He fired me with tales of the hardships to be encountered and the opportunities and needs for a doctor among three hundred men hundreds of miles from anywhere. The result was a decision to return early from my lecture tour and go out with the seal hunters of the good ship Neptune.

I look back on this as one of the great treats of my life; though I believe it to be an industry seriously detrimental to the welfare of the people of the Colony and the outside world. For no mammal bringing forth but one young a year can stand, when their young are just born and are entirely helpless, being attacked by huge steel-protected steamers carrying hundreds of men with modern rifles or even clubs. Advantage is also taken of the maternal instinct to get the mothers as well as the young "fat," if the latter is not obtainable in sufficient quantities. Meanwhile the poor scattered people of the northern shores of Newfoundland are being absolutely ruined and driven out. They need the seals for clothing, boots, fresh food, and fats. They use every portion of the few animals which each catches, while the big steamers lose thousands which they have killed, by not carrying them at once to the ship and leaving them in piles to be picked up later. Moreover, in the latter case all the good proteid food of their carcasses is left to the sharks and gulls.

At twelve o'clock of March 10, 1896, the good ship Neptune hauled out into the stream at St. John's Harbour, Newfoundland, preparatory to weighing anchor for the seal fishery. The law allows no vessels to sail before 2 P.M. on that day, under a penalty of four thousand dollars fine—nor may any seals be killed from the steamers until March 14, and at no time on Sundays. The whole city of St. John's seemed to be engrossed in the one absorbing topic of the seal fishery. It meant if successful some fifty thousand pounds sterling at least to the Colony—it meant bread for thousands of people—it meant for days and even weeks past that men from far-away outports had been slowly collecting at the capital, till the main street was peopled all day with anxious-looking crowds, and all the wharves where there was any chance of a "berth" to the ice were fairly in a state of siege.

Now let us go down to the dock and visit the ship before she starts. She is a large barque-rigged vessel, with auxiliary steam, or rather one should say a steamer with auxiliary sails. The first point that strikes one is her massive build, her veritable bulldog look as she sits on the water. Her sides are some eighteen inches thick, and sheathed and resheathed with "greenheart" to help her in battering the ice. Inside she is ceiled with English oak and beech, so that her portholes look like the arrow slits of the windows of an old feudal castle. Her bow is double-stemmed—shot with a broad band of iron, and the space of some seventeen feet between the two stems solid with the choicest hardwoods. Below decks every corner is adapted to some use. There are bags of flour, hard bread, and food for the crew of three hundred and twenty men; five hundred tons of coal for the hungry engine in her battle with the ice-floe. The vessel carries only about eighteen hundred gallons of water and the men use five hundred in a day. This, however, is of little consequence, for a party each day brings back plenty of ice, which is excellent drinking after being boiled. This ice is of very different qualities. Now it is "slob" mixed with snow born on the Newfoundland coast. This is called "dirty ice" by the sealers. Even it at times packs very thick and is hard to get through. Then there is the clearer, heavy Arctic ice with here and there huge icebergs frozen in; and again the smoother, whiter variety known as "whelping ice"—that is, the Arctic shore ice, born probably in Labrador, on which the seals give birth to their pups.

The masters of watches are also called "scunners"—they go up night and day in the forebarrel to "scun" the ship—that is, to find the way or leads through the ice. This word comes from "con" of the conning tower on a man-of-war.

When the morning of the 10th arrives, all is excitement. Fortunately this year a southwest wind had blown the ice a mile or so offshore. Now all the men are on board. The vessels are in the stream. The flags are up; the whistles are blowing. The hour of two approaches at last, and a loud cheering, renewed again and again, intimates that the first vessel is off, and the S.S. Aurora comes up the harbour. Cheers from the ships, the wharves, and the town answer her whistle, and closely followed by the S.S. Neptune and S.S. Windsor, she gallantly goes out, the leader of the sealing fleet for the year.

There have been two or three great disasters at the seal fishery, where numbers of men astray from their vessels in heavy snow blizzards on the ice have perished miserably. Sixteen fishermen were once out hunting for seals on the frozen ice of Trinity Bay when the wind changed and drove the ice offshore. When night came on they realized their terrible position and that, with a gale of wind blowing, they could not hope to reach land in their small boats. Nothing but an awful death stared them in the face, for in order to hunt over the ice men must be lightly clad, so as to run and jump from piece to piece. Without fire, without food, without sufficient clothing, exposed to the pitiless storm on the frozen sea, they endured thirty-six hours without losing a life. Finally, they dragged their boats ten miles over the ice to the land, where they arrived at last more dead than alive.

It is the physical excitement of travelling over broken loose ice on the bosom of the mighty ocean, and the skill and athletic qualities which the work demands, that makes one love the voyage. Jumping from the side of the ship as she goes along, skurrying and leaping from ice-pan to ice-pan, and then having killed, "sculped," and "pelted" the seal, the exciting return to the vessel! But it has its tragic side, for it takes its regular tribute of fine human life.