e other."

"But my bankers don't break."

"His bankers! Do you hear that? Well, I don't believe they'll break,
for all my folks, when they travel in Europe, carry the same letter of
credit in their trousers pocket. I had to write to my paternal parent
all last year, care of Bowles Brothers & Co., 449 Strand, Charing
Cross, W. C. London, England. You see I've learned my lesson."

"My letters from home come through the same house," said Laybold, "and
so do those of fifty other fellows."

"About the money matters," interposed Burchmore. "Shall I act for the
crowd, as I did in Norway?"

"For me, yes; and I hope you'll help Laybold out on the big financial
job he has on his hands," said Scott.

"All right," added Laybold.

"I have settled up for the fellows on the Norway trip. Now, each of
you give me a couple of sovereigns, which I will change into Swedish
money."

This arrangement was made to the satisfaction of all, and the cashier
went to an exchange office, where he procured Swedish paper for the
gold.

"Scott, I shouldn't wonder if the principal saved you the trouble of
spending your twenty pounds before we go much farther," said Sanford.

"I shall thank him with tears in my eyes if he does," replied Scott,
with a solemn look.

"I don't believe you will. When the ship came over before, every
fellow had to give up his money, and the purser doled it out to the
fellows in shillings or sixpences when they went ashore."

"I'm sure it was very kind of him to take so much trouble."

"You don't think so."

"Of course I do. Only think of poor Laybold, with a letter of credit
for a hundred pounds on his hands! I'm thankful I haven't the
responsibility of spending so much money on my conscience. I should
apply for admission to the first lunatic asylum, if I had to spend so
much."

"Nonsense! I made up my mind not to give up my money," said the
coxswain. "That rule made plenty of rows on the other cruise, and I
expect the fellows on this cruise will be called upon to give up their
stamps very soon."

"I was going to say we could get even with the principal by spending
it all before we go on board again; but we are in Sweden, and it is
quite impossible. They won't let you pay more than seventy-five cents
or a dollar for a day's board in this country."

"You went to a sailor's boarding-house, Scott. When you are at a
first-class hotel, you will find that they bleed you enough."

"I hope they do better than t