it. No particular place to meet
and exchange information, no wharf-boat reports, none but chance and
unsatisfactory ways of getting news. The consequence was that a man
sometimes had to run five hundred miles of river on information that was
a week or ten days old. At a fair stage of the river that might have
answered; but when the dead low water came it was destructive.

Now came another perfectly logical result. The outsiders began to
ground steamboats, sink them, and get into all sorts of trouble, whereas
accidents seemed to keep entirely away from the association men.
Wherefore even the owners and captains of boats furnished exclusively
with outsiders, and previously considered to be wholly independent of
the association and free to comfort themselves with brag and laughter,
began to feel pretty uncomfortable. Still, they made a show of keeping
up the brag, until one black day when every captain of the lot was
formally ordered to immediately discharge his outsiders and take
association pilots in their stead. And who was it that had the dashing
presumption to do that? Alas, it came from a power behind the throne
that was greater than the throne itself. It was the underwriters!

It was no time to 'swap knives.' Every outsider had to take his trunk
ashore at once. Of course it was supposed that there was collusion
between the association and the underwriters, but this was not so. The
latter had come to comprehend the excellence of the 'report' system of
the association and the safety it secured, and so they had made their
decision among themselves and upon plain business principles.

There was weeping and wailing and gnashing of teeth in the camp of the
outsiders now. But no matter, there was but one course for them to
pursue, and they pursued it. They came forward in couples and groups,
and proffered their twelve dollars and asked for membership. They were
surprised to learn that several new by-laws had been long ago added. For
instance, the initiation fee had been raised to fifty dollars; that sum
must be tendered, and also ten per cent. of the wages which the
applicant had received each and every month since the founding of the
association. In many cases this amounted to three or four hundred
dollars. Still, the association would not entertain the application
until the money was present. Even then a single adverse vote killed the
application. Every member had to vote 'Yes' or 'No' in person and before
wi