h him.

The widow and orphan list grew, but so did the association's financial
resources. The association attended its own funerals in state, and paid
for them. When occasion demanded, it sent members down the river upon
searches for the bodies of brethren lost by steamboat accidents; a
search of this kind sometimes cost a thousand dollars.

The association procured a charter and went into the insurance business,
also. It not only insured the lives of its members, but took risks on
steamboats.

The organization seemed indestructible. It was the tightest monopoly in
the world. By the United States law, no man could become a pilot unless
two duly licensed pilots signed his application; and now there was
nobody outside of the association competent to sign. Consequently the
making of pilots was at an end. Every year some would die and others
become incapacitated by age and infirmity; there would be no new ones to
take their places. In time, the association could put wages up to any
figure it chose; and as long as it should be wise enough not to carry
the thing too far and provoke the national government into amending the
licensing system, steamboat owners would have to submit, since there
would be no help for it.

The owners and captains were the only obstruction that lay between the
association and absolute power; and at last this one was removed.
Incredible as it may seem, the owners and captains deliberately did it
themselves. When the pilots' association announced, months beforehand,
that on the first day of September, 1861, wages would be advanced to
five hundred dollars per month, the owners and captains instantly put
freights up a few cents, and explained to the farmers along the river
the necessity of it, by calling their attention to the burdensome rate
of wages about to be established. It was a rather slender argument, but
the farmers did not seem to detect it. It looked reasonable to them that
to add five cents freight on a bushel of corn was justifiable under the
circumstances, overlooking the fact that this advance on a cargo of
forty thousand sacks was a good deal more than necessary to cover the
new wages.

So, straightway the captains and owners got up an association of their
own, and proposed to put captains' wages up to five hundred dollars,
too, and move for another advance in freights. It was a novel idea, but
of course an effect which had been produced once could be produced
again. The new