The class “Doubtful” includes all those cases in which the offices have no moral doubt that the fire has been wilful, but are not in possession of legal evidence sufficient to substantiate a charge against the offender. In most of these instances, however, the insured has his reasons for taking a much smaller sum than he originally demanded. Lastly, we have the “Unknown,” to which 1323 cases are put down, one of the largest numbers in the entire list, though decreasing year by year. Even of these a certain percentage are supposed to be wilful. There is no denying that the crime of arson owes its origin entirely to the introduction of fire insurance; and there can be as little doubt that of late years it has been very much increased by the pernicious competition for business among the younger offices, which leads them to deal too leniently with their customers; or, in other words, to pay the money, and ask no questions. It is calculated that one fire in seven which occur among the small class of shopkeepers in London is an incendiary fire. Mr. Braidwood, whose experience is larger than that of any other person, tells us that the greatest ingenuity is sometimes exercised to deceive the officers of the insurance company as to the value of the insured stock. In one instance, when the Brigade had succeeded in extinguishing the fire, he discovered a string stretched across one of the rooms in the basement of the house, on which ringlets of shavings dipped in turpentine were tied at regular intervals. On extending his investigations he ascertained that a vast pile of what he thought were pounds of moist