this elliptical shaped circle which also makes
a complete circuit, and which is called the "middle circle," and a
very much larger circle reaching the northern portions of the city,
which is called the "outer circle." The eastern ends of these three
circles run for a considerable distance on the same track. In addition
to this the road branches off in a number of directions, reaching
those parts of the city which were not before accommodated by the
surface roads, or more properly the elevated or depressed roads, as
there are no grade crossings.

With regard to the accommodation afforded by this system: it is a
convenience for the residents of the western and southern parts of
London, especially where they arrive in the city at any of the
terminal stations on the line of the "circle," as they can change to
the underground. They can reach the eastern end of the "circle," at
which place is located the bank and the financial section of London,
in a comparatively short time. For example, passengers arriving at
Charing Cross, Victoria or Paddington stations, can change to the
underground, and in ten, fifteen and thirty minutes respectively,
reach the Mansion House or Cannon street stations, which are the
nearest to the Bank of England. In a similar manner those arriving at
Euston, St. Pancras or King's Cross on the northern side of the
"circle," can reach Broad Street station in ten or fifteen minutes,
which station is nearest the bank on that side of the "circle."

In a number of cases the underground station is in the same building
or directly connected by passages with the terminal stations of the
roads leading into the city. Examples of this kind would be such
stations as Cannon Street, Victoria or Paddington. They are not,
however, sufficiently convenient to allow the transference of baggage
so as to accommodate through passengers desiring to make connection
from one station to another across the city. Hand baggage only is
carried, about the same as it is on the elevated road in New York. The
method of cross town transfer, passengers and baggage, is invariably
done by small omnibuses, which all the railroads maintain on hand for
that special purpose. A very large proportion of the travel, however,
if not the largest, is obtained by direct communication by means of
the "circle" on branch lines with the various residential portions of
north, west and south London.

Approximately on the underground railroad the fare is o