with discouraging and unhumorous tenacity, exact payment of the last farthing of debt, fulfilment of the least clause in a character. Our lenity in such matters is a trait which they fail to understand, and are disinclined to envy. One of the most amusing scenes I ever witnessed was an altercation between an exceedingly clever Englishwoman, who for years has taken a lively part in public measures, and a countrywoman of my own, deeply imbued with that gentle pessimism which insures contentment, and bars reform. The subject under discussion was the street-car service of Philadelphia (which would have been primitive for Asia Minor), and the Englishwoman was expressing in no measured terms her amazement at such comprehensive and unqualified inefficiency. In vain my American friend explained to her that this car-service was one of the most diverting things about our Quaker city, that it represented one of those humorous details which gave Philadelphia its distinctly local color. The Englishwoman declined to be amused. "I do not understand you in the least," she said gravely. "You have a beautiful city, of which you should be
