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 not only generous but prodigal. Foreigners are unfavourably impressed by the willingness with which the Korean when in poor circumstances will live on his friends; but this is to a large extent offset by the willingness with which he lets others live on him when he is in flourishing circumstances. Bare chance plays such a prominent part in the acquisition of a fortune here, that the favoured one is quite willing to pay handsomely for his good luck. And yet the Korean people are not without thrift. If a man has money, he will generally look about for a safe place to invest it. It is because the very safest places are still so unsafe that fortune has so much to do with the matter. He risks his money with his eyes wide open. He stands to win largely or lose all. An investment that does not bring in forty per cent a year is hardly satisfactory, nor should it be satisfactory, since the chances of loss are so great that the average of gain among a score of men will probably be no more than in our own lands. Why the chances of loss are so great will be discussed in its proper place.

Another striking characteristic of the Korean is his hospitality. This is a natural sequence of his general open-handedness. The guest is treated with cordial courtesy, whatever differences of opinion there may be or may have been between them. For the time being he is a guest, and nothing more. If he happens to be present at the time for the morning or afternoon meal, it is de rigeur to ask him to have a table of food; and many a man is impoverished by the heavy demands which are made upon his hospitality. Not that others have knowingly taken undue advantage of his good nature, but because his position or his business and social connections have made it necessary to keep open house, as it were. A Korean gentleman of my acquaintance, who can live well on twenty dollars a month in the country, recently refused a salary of twice that sum in Seoul on the plea that he had so many friends that he could not live on that amount. Seoul is very ill-supplied with inns; in fact, it has very little use for them. Everyone that comes up from the country has a