are anxiously sought after by elderly gentlemen, by whom opera
glasses and pocket telescopes are much patronised. Greatly as we admire
the investigation of nature in her unadorned simplicity, Ramsgate would be
the last place we should select, if we were

[Illustration: GOING DOWN TO A WATERING PLACE.]

* * * * *

PROSPECTUS

OF A NEW GRAND NATIONAL AND UNIVERSAL STEAM INSURANCE, RAILROAD ACCIDENT,
AND PARTIAL MUTILATION PROVIDENT SOCIETY.

CAPITAL, FIVE HUNDRED MILLIONS,

IN ONE HUNDRED MILLION L5 SHARES--HALF DEPOSIT,

THE DIRECTORS

To be duly balloted for from amongst the Consulting Surgeons of the
various Metropolitan hospitals.

ACTING SECRETARIES,

The County Coroners.

By the constitution of this society, the whole of the profits will be
divided among such of the assured as can come to claim them.

The public are particularly requested to bear in mind the double advantage
(so great a _desideratum_ to all railroad travellers) of being at one and
the same time connected with a "Fire, Life, and Partial Mutilation
Assurance Company."

The following is offered as a brief synopsis of the general intention of
the directors. Deep attention is requested to the various classes:--

CLASS I.

Relating to Railroads newly opened, consequently rated trebly doubly
hazardous. The rate of insurance will be as follows:--

PER CENT.
Engineer, first six months, total life ....... 90
Legs, at per each ............................ 74
Arms, ditto ditto ............................ 60
Ribs, per pair, or dozen, as contracted for ... 55
Dislocations and contusions, per score ....... 50

N.B.--A reduction of seven-and-a-half per cent., made after the first six
months.

First class passengers will be allowed ten per cent. for the stuffing of
all carriages, except the one immediately next the engine, which will be
charged as above.

STOKERS.

Same as engineers, but a very liberal allowance made to such as the trains
have passed over more than once, and a considerable reduction if scalds
are not included.

_Exceptions_.--All who have five small children, and are only just
appointed.

SECOND CLASS PASSENGERS.

In consequence of these travellers being generally more thickly stowed
together, the upper half of them have a chance of escape while crushing
those underneath, so that a fair reduction,