The story of the commencement of the immense fortune accumulated by M. Blanc is curious.

One fine day in 1842 the two brothers Blanc, who were temporarily disgusted with France owing to a daring and unsuccessful speculation connected with the old semaphore telegraph (which electricity rendered obsolete), arrived at Frankfort.

Their stock-in-trade consisted of a few thousand francs, a roulette wheel, and an ancient croupier, a veteran of Frascati's who knew everything worth knowing about gambling and cards.

The purpose of this visit was to convince the authorities of Frankfort that their city would derive great benefit from affording facilities for public play, but with this, however, they were not disposed to agree. In consequence of its cool reception, the little party then wended its way to the obscure village of Homburg, where the elder of the two brothers, after some negotiations, obtained permission to set the roulette wheel going in one of the rooms of the principal inn.

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The next year an exclusive concession was granted to the Blancs to establish games of hazard within the dominions of the Landgraf. They agreed to build a Kursaal, lay out public gardens, and pay about 40,000 florins (something over four thousand a year) to the Landgraf. A company was formed, and soon the fashionable world flocked to Homburg—ostensibly to drink the waters, but, in reality, to lose their money at trente-et-quarante and roulette.

The general policy pursued by M. Blanc at Homburg was very similar to that afterwards adopted at Monte Carlo, which is still in its essential features followed by the present administration.

The hours allotted to play were from eleven in the morning to eleven at night, which was also the case at Monaco up till quite recent years.

The proceedings at Homburg before play began, that is to say, the counting of money and other preparations for the day's campaign, were also much the same as at Monte Carlo, though the actual opening of the rooms for play was more dramatic. As the clock struck eleven the strains of martial music were heard and the doors of the "salons" were thrown wide open, admitting a stream of people, amongst whom were many officers, a note of colour being struck by their uniforms, which were principally white or green.

In the early days of Homburg, owing to an extraordinary rainfall, a flood of water once made its way into the gaming-rooms and caused the players to beat a precipitate retreat. A fat old German Princess, however, who was devoted to play, was too heavy to get out in time, and had to be hoisted up on to one of the roulette tables, where she placidly remained till matters were put right and the play had resumed its normal course.

In the Kursaal were the Café Olympique, private rooms for parties, and, most important of all, a big saloon and two smaller ones. Here from eleven in the forenoon to eleven at night, Sundays not excepted, all the year round, people from every part of the world came to throw their gold and silver upon the tables.

As a town Homburg was practically created by the Kursaal. The hotel-keepers and tradesmen lived by it as well as the Landgraf, whose main source of revenue was derived from it. This sovereign, of course, was practically sold to the Kursaal, the Board of Directors being the real rulers of Hesse-Homburg. The prosperity which the advent of M. Blanc had brought to his dominions cheered the declining years of this Prince, who was the oldest reigning sovereign in Europe at the time of his death, which occurred on the 24th of March 1866. He had attained the great age of eighty-three when he expired in the arms of two weeping widowed women—one his niece, the Princess Reuss, the other his aged sister, the Dowager Grand Duchess of Mecklenburg-Schwerin. This event caused a temporary cessation of play, which had been continuous since the 17th of August 1843.

The insidious fascination connected with gambling was once strikingly exemplified at Homburg. The story, though a well-known one, will bear repetition.

M. Blanc had been pondering what to give his wife on her birthday, when a peculiarly attractive parasol caught his eye as he was strolling amongst the shops; so he went in and inquired the price, which was twenty marks. The founder of the great gaming establishment was a careful man, and it seemed to him that to pay so much for a parasol was extravagant. Nevertheless, he ordered it to be put aside for him, saying that he would call and pay for it later.

On his way to the Casino the thought suddenly struck him: "To win twenty marks in the rooms is quite easy—numbers of people do it, but they don't stop; which is the reason I make so much money. Why shouldn't I win the price of this parasol—make my twenty marks and walk out?"

Walking up to a trente-et-quarante table and unobtrusively stationing himself behind a group of players, M. Blanc furtively slipped twenty marks on the red—black won. Forty marks on the red—black again won. Eighty marks on the black—red won. He now became excited and, the money he had in his pocket being exhausted, edged towards an astonished chef de partie, to whom he was, of course, well-known, and instructed him to place one hundred and sixty marks on red. The croupier dealt the cards, and announced that red had lost. By this time every one had realised that M. Blanc was staking against his own tables, and the whole room flocked to see such an extraordinary sight. The croupiers concluded that their chief had gone mad, for he stood looking fixedly at the cards, entirely absorbed in the effort to recover his losses and win the price of the parasol. To make a long story short, he continued to stake till he had lost about £1000, when of a sudden he realised the situation and rushed out of the rooms. He was, of course, considerably chaffed about this exploit, which was said to have been the only occasion on which he had been known to play. For many a long day afterwards, he used regretfully to say: "That was the dearest parasol I ever bought in my life."

M. Blanc, who was more assailed than any other banker, was once nearly made the victim of a stratagem, which might have entailed serious results. A scoundrel contrived to get into the "Konversationhaus" by night, and blocked up all the low numbers in the roulette machine in such a manner that the ball, on falling in, must inevitably leap out again. On the next day he and his accomplices played and netted a large sum by backing the high numbers. They carried on the game for two or three days, but were fortunately overheard by a detective while quarrelling about the division of their plunder in the gardens behind the establishment. They were arrested and the money recovered. A very dangerous design was also formed against M. Blanc by one of his croupiers, who, being discontented with his lot, determined to make his fortune at one coup. The plan he contrived was this. He procured a pack of prearranged cards, which he concealed in his hat, and when it came to his turn to deal he intended to drop the bank cards into his chapeau and cleverly substitute the others; but this artfully-concocted scheme was upset by one of his confederates who considered that he might make a better and safer thing of it by telling M. Blanc beforehand.

A great attack was once made by a Belgian syndicate upon the tables at Homburg, and for a time had some appearance of ultimate success. In the end, however, M. Blanc emerged triumphant from the contest, which is mentioned by Thackeray in the Kickleburys on the Rhine.

It was at Homburg that the celebrated Garcia once created an enormous sensation by asking the bank to double the limit of 12,000 francs. According to one account a meeting of the Directors was hastily summoned by M. Blanc, who was in favour of letting Garcia have his way; but it was finally decided that no alteration should be made. Another version is that M. Blanc consented to double the limit if Garcia would play sitting down and not standing up, the veteran banker's opinion being that any one standing up was much more likely to depart with winnings than a player seated at the table. Garcia accordingly sat down, and though at first very unlucky, eventually rose a winner.

Garcia is said to have come to Germany with two thousand francs—his whole fortune—in search of employment. Whilst at Frankfort he determined to go and try his luck at the Homburg tables, and being fortunate enough to get on several runs of his favourite colour—red—he won about £20,000 in three weeks. An Englishman, it is said, was so convinced that the runs on red must end, that he watched for what he deemed a propitious moment and began staking maximums on black against Garcia, with the result that in a few days he left Homburg without a penny.

Garcia continued to play on after his rival's defeat, and though at one moment he was reduced to a capital of six thousand francs, he retrieved his fortunes by a run of fourteen reds, and eventually left Homburg with some £50,000—some say more. He now declared that he was determined never to play again; but this resolution was soon broken, for within a couple of years he was trying to break the bank at Baden. Black turned up too often for him, however, and he lost heavily.

He then thought he would try Homburg again, and was there eventually reduced to beggary after a few months' play. This gambler subsequently figured in a most unsavoury card scandal which took place in Paris in February 1863 at the house of Madame Julia Barucci. This lady, who was young and attractive, was always surrounded by a large circle of admirers, and the party which she gave to celebrate her first evening in a new abode was therefore particularly animated, about thirty guests being present, amongst whom was Signor Calzado, the well-known manager of a Paris theatre. Calzado, it should be said, was disliked by the party generally—Garcia alone being on terms of intimacy with him—not only because he was a gamester, but probably because he had the reputation of being a card-sharper, which he was, and a very bold and original one too. (Calzado once went to Havana and bought up every pack of cards in the place, having previously freighted a vessel with marked playing-cards, which arrived just in time to supply the dealers, whose stocks were completely exhausted. With the cards he had prepared and imported, Calzado played incessantly, and for high stakes, being, as an inevitable result, a constant and heavy winner.) The most popular guest was Signor Miranda, Gentleman of the Queen of Spain's household, a constant and honourable gamester, well-known as being capable of losing large sums. He came with about 100,000 francs in his pocket. As soon as possible Garcia arranged a rouge-et-noir table, at which his countrymen, Calzado and Miranda, took their places, the latter soon winning 30,000 francs. After supper baccarat was proposed; whereupon Garcia absented himself from the room for half an hour under the pretext of wishing to smoke a cigar in the air. Retiring into a private chamber, he disposed about his person several packs of cards which he had brought with him, and then returning to the gaming-table began to play for high stakes. His success was extraordinary, and in a short time he won 140,000 francs, chiefly from Signor Miranda. Calzado, who followed Garcia's lead, also won a large sum. The extraordinary good luck of Garcia, and the marvellous character of the cards which he held, aroused the astonishment of the players as well as the suspicions of those looking on, and it was at length perceived that some of the cards in Garcia's hand were of a different design from that of the packs provided by the hostess. He was charged with foul play; whereupon, somewhat confused, he admitted having introduced cards of his own, though stoutly maintaining that he had played fairly, and had brought certain packs from his club merely because they always proved lucky cards to him, which in this instance was certainly true. He offered as a matter of courtesy and as a favour, being, as he said, desirous of avoiding a scandal, to refund his winnings, if the whole affair were hushed up. At the same time he produced the sum of 50,000 francs; but those whom he had cheated were not to be tricked into accepting a third part of their losses in place of the whole, and an extraordinary scene followed. Seeing that his position was desperate, and fearful lest he should be forcibly despoiled of his ill-gotten winnings, Garcia tried to escape. Finding the door bolted, he rushed all over the house, finally hiding himself in a corner of an obscure room, from which he was chased by his amazed pursuers, who seized him and roughly stripped him of all the money in his possession. It was now the turn of Calzado, who was then asked to display the contents of his pockets, or suffer himself to be searched. He refused to do either, but stealthily allowed a roll of bank-notes, to the value of 16,000 francs, to slip down his trousers and fall on the floor. The roll was picked up and handed to him, but he denied all knowledge of it. Eventually the brother cheats were permitted to leave the house, but after their departure it was reckoned that, in spite of everything, they had carried with them at least 40,000 francs.

Garcia and Calzado were both tried for swindling. The former appeared in person; Calzado, however, had fled. Both were convicted of malpractices, Garcia being sentenced to five years' and Calzado to thirteen months' imprisonment, in addition to fines of 3000 francs each. They were also ordered to pay jointly 31,000 francs to Miranda. The hostess, Madame Barucci, escaped punishment, but was placed under strict police supervision, lest she should again allow prohibited games to be played in her house. Garcia died in great misery about 1881.

In 1872 the gambling-establishment at Homburg became a thing of the past. A great number of the townspeople of that resort were shareholders, and all, more or less, derived some profit direct or indirect from the play. During the war between Austria and Prussia they began to be somewhat perturbed, and on their annexation to the latter country, they hoped against hope that Bismarck, whatever he might do with kings, would leave what to them was far more important than dynasties and kingdoms—the bank—alone.

In 1867, however, the blow fell, and the directors of the gambling-rooms, summoned to appear before the Governor, were informed that all play was to cease in 1872.

It should be added that an arrangement of a not unfair kind protected the interests of the shareholders.

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During these last days of play at Homburg a great crowd had been coming in, but still the tables were not inconveniently crowded, and people were able to stake their money with ease though without comfort. There was, however, a good deal of pilfering and snatching of money, which had always been rather a feature at this resort, shrill-tongued harpies being apt to pounce on the couple of five-franc pieces just won by any simple Englishman ignorant of the German tongue. As the end approached the usual high play still prevailed, but the administration was a good deal disturbed by the advent of workmen, shopmen, and others, a very different class of people from their aristocratic clients of the summer season. These new visitors were sturdy, brutal customers, who became frenzied if they lost a florin, and seemed not unlikely to revenge themselves by some lawless raid. This very unlucrative crowd continued to increase, and it became known that on the last two days the forces would be recruited by yet larger bands. The administration, wisely reckoning that the result might be a general riot organised for purposes of plunder, took measures to avert such a crowning catastrophe. On the Sunday, then, while numbers of speculative individuals at Frankfort and other towns were arranging for one grand final expedition, and were looking forward to being in at the death, it was determined to end play for ever suddenly and without notice. Before five o'clock this had been done, much to the indignant surprise of the new arrivals, and the rage and fury of the less scrupulous. This, perhaps, was no undignified end; and Homburg, from a gambling point of view, may be said to have "died game." The administration maintained its honeyed, courteous phrases to the last, and on the Monday stuck little proclamations all over the walls, to the effect that the "Administration begged to inform la société that there would be no play on the 30th and 31st inst. Signed: The Kurhaus Direction." Nevertheless on the back sheet of the Belgian papers was a huge advertisement proclaiming to all whom it concerned that there would be play to the last day of the month. Such an oversight was scarcely fair to the friends and admirers of the tables, some of whom travelled from a great distance to bid a final adieu to the Halls of Chance.

The appearance of the gambling-house on the day after the cessation of play was indescribable, resembling a badly-set scene by daylight. Numbers of charwomen and men-servants hung about in groups; officials, like those of a bankrupt hotel, went about with keys; chairs were piled on the long gaming-tables by irreverent hands; everything looked as though there was going to be a sale by auction. The ball-room, however, still had its chairs all set out in order, as if company were expected, whilst the orchestra played in the gardens, which already presented a neglected air. Even the theatre looked shabby, though behind the frame of wire network was to be read the announcement of the last—the very last in all truth—appearance of the "Diva Patti" in La Sonnambula.

Ems was another gambling resort. This was essentially a rendezvous of all the pleasure-loving aristocracy and fashionable financiers of the day—unlike Wiesbaden and Homburg, which were rather the chosen battle-fields of well-known and seasoned gamblers.

A Spaniard at Ems made a very comfortable living by a method of playing he had invented. He placed three louis d'or on the manque, which contains all the numbers to eighteen, and two louis on the last series of twelve; that is, from twenty-four to thirty-six. Thus he had only six numbers and two zeroes against him. If manque gained, he won three louis and lost two; if a number in the last twelve came up, he won four and lost three; but a continuation of zeroes would have ruined his calculation. Russians in particular were very fond of Ems. Many played very high, and a good deal of private gambling was done there on the quiet.

At Geneva in the 'sixties trente-et-quarante was somewhat furtively played in a Cercle des Étrangers. Roulette, however, was not allowed. The authorities perhaps feared that the noise of the little ball flying round on its course to a numbered compartment might awaken Calvin from the quiet of his tomb.

There was once what was practically a regular gaming-house on English soil. This was in the 'fifties, when mild roulette was played on the island of Heligoland. A miniature roulette-table there was much frequented by joyous Israelites and English officers from the mainland. In 1856, however, an outraged English tourist wrote a furious letter to The Times, complaining of such horrors existing under the British flag. He denounced the scandalous desecration of the English name, and so forth; and in consequence the Governor issued an edict against the roulette. Play, however, on a diminutive scale continued there some time longer.

The closing of the gaming-tables in Germany was the cause of many rumours as to the future of gambling enterprise. The Valley of Andorra in the Pyrenees was said to have been selected by some French speculators as the scene of their operations for the ensuing year, a well-known financier being declared to have obtained a monopoly of theatres, hotels, casinos, railways, and almost everything else that this valley lacked and might be supposed to want. There was also a rumour that efforts were being made to start tables at St. Moritz, in Switzerland, very tempting offers having been made to the authorities.

These anticipations were not, however, realised, and Monte Carlo remains the only regular public gaming-place in Europe, though intermittent public gambling has been tolerated at certain Belgian pleasure-resorts, notably at Ostend. Two or three years ago public gaming was altogether prohibited there, but it now appears to flourish much as before. It is almost superfluous to add that when it was announced that the Belgian authorities had determined to suppress all public play there was much enthusiastic congratulation from this country. The usual time-worn phrases as to the demoralising effects of gambling were unctuously presented to a public whose conscience, it was declared, had too long been outraged by the proximity of such a dangerous temptation; and the Belgians were told that they might anticipate reaping a golden harvest as the result of the high-principled attitude which had been adopted, for the English would now be able to visit their pleasure-resorts without fear of contamination.

A large number of the Ostend shopkeepers really believed that the suppression of play would bring more foreign money into their pockets; but they soon realised their mistake, for when the visitors from across the channel found that there was no chance of enlivening their stay at Ostend (a resort of few natural attractions) with a little flutter, they beat a precipitate retreat, and the prosperity of the town began to suffer severely.

Eventually, as the result of serious protest from the local shopkeepers and others who saw ruin staring them in the face, a species of compromise has been adopted; and baccarat with one tableau (of which more anon) is now allowed in the Cercle, election to which is not very difficult.

A short time ago roulette without a zero was here held out as a great attraction to visitors. As a matter of fact this game was only played for a limited number of hours every day, and these were precisely those when visitors would in the ordinary course of events be taking their meals. The game was merely kept going as a lure to the more profitable baccarat, the authorities being well aware that roulette without a zero is unlikely to prove a great source of profit to the bank.

Experience teaches that for some reason not very clearly understood single tableau baccarat would seem to be particularly favourable to the banker. So great, indeed, has been the havoc wrought by this game that the French have given it the name of "La Faucheuse,"—"the mowing-machine"!

Those who cried out so loudly for the suppression of the trente-et-quarante at Ostend have, like so many well-meaning people, done little but harm, for the suppressed trente-et-quarante was a far less dangerous game. Trente-et-quarante, it should be added, is played at St. Sebastian, where up to the present year there was also roulette.

At French watering-places gaming flourishes as merrily as ever during the season. At Trouville, Biarritz, and Aix-les-Bains the game of baccarat forms one of the chief attractions. There is a good deal of high play at Trouville at the time of the races. During the present year one player alone—a very rich gambler fond of high stakes—lost no less than a million francs. No inconsiderable portion of this sum must have gone in the percentage which the French Government now levies upon banks at baccarat. During the last year there was also a great deal of play at Nice, where the game in question was as popular as the classic roulette and trente-et-quarante of Monaco.

It is almost impossible to conceive how the vast majority of French summer pleasure-resorts would contrive to exist were baccarat and petits chevaux to be suppressed, for a certain portion of the large profit derived from play is devoted to the upkeep of the Casinos, which furnish visitors with excellent entertainment. It is, indeed, owing directly and indirectly to the toleration of play that the French plages are proving such formidable rivals to the miserably dull English seaside resorts, which offer so little to visitors who are fond of a little exciting amusement.

In 1907 the French Government promulgated a new code of regulations to be enforced at Casinos, all of which were closed for two or three days throughout France—an operation which, of course, evoked a mass of hypocritical and totally inaccurate comment in England.

France was congratulated upon her determination to stop every form of that gambling which had for so many years shocked English visitors, who would, of course, warmly welcome the stern measures about to be enforced, and flock across the Channel in largely increased numbers as a result.

As a matter of fact, the Casinos were closed merely to emphasise the fact that the Government intended to see that the new regulations which they imposed, amongst which was one regulating a tax upon baccarat banks, should be respected.

The very rumour that it was proposed permanently to prohibit gambling terrified the local authorities, a large number of whom at once went up to Paris to ascertain whether there was any foundation of truth in such an idea, which to many a watering-place would mean nothing less than ruin.

They were, however, soon reassured, for in the end only one small and insignificant Casino was permanently closed.

By the decree of June 21, 1907, certain games of chance are permitted at watering-places and health-resorts which have been officially recognised as such by the Minister of the Interior, on the representation of the Municipal Council and the Prefect. These are baccarat, écarté, and the game of petits chevaux and its varieties. A tax of fifteen per cent is levied on the sum produced by the cagnotte at écarté and baccarat.

Counters, which were formerly used at Casinos to represent money, were entirely prohibited, a prohibition which, however, does not apply to Clubs. The reason for this was that players were apt to obtain considerable advances from the caisse in baccarat-rooms, a state of affairs not so likely to happen when ready money alone may be staked. Playing in cash is also generally of a more careful kind than play in counters, which for the time being seem nothing at all. A player, of course, has a far greater chance at baccarat than at petits chevaux, where the percentage is very unfavourable to him, one horse out of the nine being the bank's.

According to the new law, fifteen per cent is now levied on the gross winnings of the bank at this game every day; should the bank lose it is allowed to deduct the sum lost from its winnings the next day.

The sum produced by this tax of fifteen per cent is to be devoted to charity, and to various other objects of public utility and affecting the public health.

When this decree was first issued, chemin-de-fer baccarat was not included amongst the list of tolerated games, the French authorities being still horror-struck with the recollection of the single tableau baccarat, called "La Faucheuse" (the game which, thanks to Puritan effort, is played at Ostend), which had provoked such gross scandals in Paris. It was, however, subsequently legalised by a special decree which was promulgated in the Journal Officiel of the 18th August 1907, and is taxed at the same rate as other tolerated games.

The main cause of the French Government moving in the matter of gambling at all had been the large increase of so-called gambling clubs in Paris entirely devoted to single tableau baccarat, from which an enormous harvest of gold had been gathered by those holding the banks. It was said that no less than 126 new establishments of this kind had sprung up in Paris, a state of affairs calculated to make the dead proprietors of the long-suppressed and very strictly regulated tables in the old Palais Royal turn in their graves. Many of these Clubs were frequented by women, and it was rumoured that many of the brightest stars of the French demi-monde had lost almost everything they had. Paris began to be seriously alarmed. Drastic measures were adopted; the foreign proprietors of the gaming-places expelled from France; "La Faucheuse" forbidden throughout the country; and gambling generally placed upon the strictly regulated footing which has been described. The results of the very sensible action of the French Government appear to be highly satisfactory, for since the promulgation of the decree regulating play no scandals have occurred, whilst it is anticipated that in the course of time a sum well over two million pounds a year will be available for objects of public utility.

Surely the wise regulation of what appears to be an irradicable evil is far more salutary, alike from a financial and a moral point of view, than the unthinking policy of drastic suppression, which, as experience teaches, has ever been powerless to extirpate gambling.

X

The Principality of Monaco—Its vicissitudes—Early days of the Casino—The old Prince and his scruples—Monte Carlo in 1858 and 1864—Its development—Fashionable in the 'eighties—Mr. Sam Lewis and Captain Carlton Blythe—Anecdotes—Increase of visitors and present democratic policy of administration—The Cercle Privé and its short life—The gaming-rooms and ways of their frequenters—Anecdotes—Trente-et-quarante and roulette—Why the cards have plain white backs—Jaggers' successful spoliation of the bank—The croupiers and their training—The staff of the Casino—The viatique—Systems—The best of all.

Many years before the tables at the German resorts were closed by the Prussian Government, M. Blanc was quietly seeking for a suitable spot where his roulette wheels might whirl free from interference and his croupiers deal in unmolested peace.

Gaming-house proprietors seem in one respect to resemble the monks of old, for almost invariably their establishments have been pitched amidst attractive surroundings commanding lovely views. Thoroughly imbued with this tradition, M. Blanc eventually selected the little Principality of Monaco as being a suitable spot to afford his industry a peaceful and alluring haven. After certain negotiations with the reigning Prince Charles Albert, he obtained the required concession, and a Casino (in its earliest days called the "Elysium Alberti") was erected upon the rocky ground known as the Plateau des Spelugues, which, adversaries of gaming will rejoice to learn, means in Monagasque patois "the plain of the robbers."

The ruling family of Monaco, the Grimaldis, had been exposed to many vicissitudes. During the French Revolution their people rose in rebellion and plundered the Palace, which afterwards served as a military hospital during Napoleon's Italian campaign, and later on became the Dépôt de Mendicité for the Department of the Alpes Maritimes. In 1841, however, Florestan I., the reigning Prince, repaired the home of his ancestors, which was thoroughly restored by Charles Albert after the advent of M. Blanc.

In the turbulent past the Princes of Monaco at times experienced considerable difficulty in holding their own, and often had to defend their rugged old rock against piratical raids, besides occasionally having to cope with internal troubles, the last of which occurred in 1847, when the Monagasque bitterly resented taxation. The cannon given by Louis XIV. to the Grimaldi of his day may still be seen near the palace. These are fine specimens of the founder's craft, and bear the grim motto "Ultima ratio regum," amidst much ornate decoration.

The armed force which the Princes maintained was much improved in uniform and equipment when M. Blanc brought prosperity to Monaco. Even up to quite recent years there existed a smart little army of something under a hundred men, in all probability the best dressed and least offensive troops in all Europe. Their rifle practice, it was always said, was indifferent, owing to the fact that they could not fire inland, because the boundaries of the Principality were so limited; but whatever may have been their efficiency or non-efficiency as a fighting force, their light-blue uniforms—with old-world aiguillette, neat shako, and picturesque cape—were highly ornamental features, which struck a pleasant note of colour in the streets of the Condamine or about the grounds and terraces of the Casino.

This little army is now but a memory, for within the last decade the reigning Prince, who is a warm advocate of International Arbitration, realising, it is said, that the maintenance of a standing army was inconsistent with his well-known love of peace, abolished the last relic of military strength left to the Grimaldis. Such sentries as are still required are at present furnished by the gendarmerie, whose dainty cocked hat—most military and attractive of head-dresses—was at the same time superseded by an abominable cloth-covered helmet, which for unalloyed ugliness would easily carry off the prize against all competitors. Thus does it constantly happen in the modern world that, whilst there is much prating about art, cultivation, and taste, the very people who should do their best to preserve every distinctive and decorative reminder of a more artistic past are foremost in the work of obliteration.

Old Monaco consisted of a few unattractive streets and a somewhat dilapidated Palace, in which lived the blind old Prince who granted the concession for the tables to M. Blanc, and by so doing converted his poverty-stricken realm into the most prosperous State in the world.

At first, the Prince was somewhat troubled by conscientious scruples as to tolerating gaming, but these were appeased by the large sums which were rendered available for religious purposes and the building of churches—the Church of St. Dévote, which stands in the ravine, for instance, is said to have been erected from funds received in exchange for permission to increase the number of roulette tables, whilst the beautiful little cathedral on the Palace rock would never have been built had not M. Blanc made his descent upon the Principality.

Much abuse has been lavished on the Prince for granting the concession, but it seems a doubtful question whether he did not do more good than harm when he signed it. Certainly his own people of Monaco (who, except on one day in the year—the Prince's birthday,—are not allowed to enter the Casino) gained very largely thereby.

To them the establishment of the Casino has brought lasting prosperity, whilst it has indirectly benefited the whole Riviera, now so popular as a pleasure-resort. On the other hand, a number of people, no doubt, have been ruined at Monte Carlo, but such as these—gamblers at heart—would most probably in any case have lost their fortune in other forms of speculation. It should also be realised that the number of those who have actually been ruined by the Casino is extremely small—as a rule those who lose their last penny at the tables are individuals who, already at their last gasp owing to a long series of gambling reverses, come to Monte Carlo with such funds as they can scrape together in order to indulge in one last desperate plunge.

The old Prince was a kindly man at heart, and did not like to think of visitors losing more money than they had actually brought with them. For this reason he forbade the establishment of any Bank in the Principality, and as a natural consequence, numbers of waiters, who carried on a brisk business in money-lending, made nice little fortunes.

In later years Smith's Bank was established on French territory; this was afterwards absorbed into the Crédit Lyonnais, which (the prohibition having been revoked) is now quite a prominent feature of Monte Carlo.

At the time when M. Blanc made his peaceful conquest of Monaco the place was sparsely populated and miserably poor. The contrast indeed between the Monaco of fifty years ago and the Monte Carlo of to-day is striking in the extreme.

The following description of the Principality at that time was given to the writer by one who has seen every phase of its development.

In 1858 this gentleman and his wife, being on their honeymoon in France, drove from Marseilles to Cannes, then also quite a small place. A report had recently reached the latter place that the celebrated M. Blanc had started gaming-tables at Monaco, and accordingly the Duc de Vallombrosa, who owned the finest château at Cannes, invited several of the English visitors to go over to the Principality on his yacht, and in due course the party climbed up to the rock, on which stands the Palace.

After making inquiries they found the gaming-tables—two roulette and one trente-et-quarante—which were installed in a very unpretentious barnlike edifice somewhere near the spot where the Cathedral is now.

The arrival of manifestly well-to-do visitors created quite a sensation amongst a somewhat limited crowd, mostly composed of Italian tourists who were indulging in a little mild play. M. Blanc, it should be added, had merely started these tables as a preliminary step, being at that time engaged in negotiations with the reigning Prince as to the erection of a more serious gambling establishment in the latter's dominions.

After playing a stake or two the party made their way down to the little town in the Condamine, where, finding that donkeys could be hired, they determined to picnic out of doors. Accordingly, taking the requisite materials with them, they made their way by a bridle path (which more or less followed the present road) to the plateau, on which the present palatial Casino stands to-day.

Monte Carlo (the place was then unnamed) was almost a bare rock covered with rough grass, and here and there a few stunted pine and olive trees, most of the latter of immense age. A few tumble-down hovels were sparsely scattered here and there on the mountain side, in which lived a miserably poor peasantry; the whole spot was as different from the Monte Carlo of to-day as it is possible to conceive.

Just about where is now the ornamental plot in front of the doors of the Casino, the party collected some dry bits of sticks, boiled their kettle, cooked an omelette and drank their tea, whilst they revelled in the lovely view, which remains to-day almost the sole feature which the hand of man has been powerless to change.

Almost the last of the few survivors of this expedition also described to the present writer the marvellous alteration which he found on his next visit to the Principality some six years later. The first Casino had then been built by M. Blanc, and a small Hôtel de Paris stood where the gigantic modern one stands to-day. M. Blanc, in addition to presiding over the rooms, was in supreme command of the hotel, which was managed on the most liberal principles, bills being never sent in unless they were asked for. Since those days the hotel has been much enlarged and altered. It is now being entirely rebuilt on a palatial scale.

When visitors of any standing whatever were about to depart, M. Blanc himself would be present to wish them good-bye, and also to inquire whether they might not like a thousand francs for the expenses of their journey, adding that this could be refunded on their next visit, or sent him at their convenience.

In 1864, except the hotel, there were scarcely any houses in Monte Carlo itself, and most of the visitors had to live on the other side of the Bay in the old town. As the journey from Nice by road took four hours, an abominable and, it was said, unseaworthy, small white steamer, the Palmaria (probably the best that could be got), had been chartered by M. Blanc to convey visitors from Nice. This vessel anchored beneath the Castle rock, where its passengers were landed in boats, being met by four-horse omnibuses which plied gratis between the rock and the Casino.

The Palmaria made two journeys from Nice a day. If the weather was calm and nothing went wrong, the passage took something like an hour and a quarter. It was a curious sight to see visitors landing in the highest spirits for a flutter, most of them to return in the evening to Nice, weary and sea-sick, without a penny to take a cab to their hotel.

In the early days of Monte Carlo there were two zeroes, and the inevitable result was that the Palmaria's evening cargo was usually largely composed of what were facetiously called "empty bottles."

The crowd which thronged to the tables was of a heterogeneous description and not at all smart. There were a number of enterprising damsels in pork-pie hats and a considerable sprinkling of raffish Englishmen, looking as if they had seen better days and were likely to see worse.

Monte Carlo, though a tiny place, already bore evidences of its future expansion. An air of prosperity pervaded it, and the inhabitants had lost the air of hopeless poverty which was formerly such a characteristic of the Principality of Monaco.

In the early days of the Casino not much was heard of its existence, the truth being that M. Blanc, after his experiences at Homburg, feared lest European public opinion might demand the abolition of the tables were their existence to be too prominently thrust before it. In consequence of this as little attention as possible was drawn to the gambling which, if alluded to in the Press at all, was merely mentioned as one of the minor attractions. Knowing the sensitiveness of M. Blanc with regard to publicity, unscrupulous journalists traded upon it, demanding bribes to keep silence, whilst ephemeral newspapers, containing sensational accounts of suicides of ruined gamblers, were published solely in order to extort blackmail.

As time went on, however, Monte Carlo began to be regarded as an established institution, and many visitors took to coming there year after year.

The development of the Riviera as a pleasure-resort steadily proceeded, and at the present time the coast from Genoa to Marseilles is an almost unbroken line of pleasure-resorts filled with villas, not a few veritable palaces, all of which owe their existence to the advent of M. Blanc with his roulette and trente-et-quarante. Abuse gambling as you may, it has in this instance beyond all question brought wealth and prosperity to the inhabitants—not to the rich, for there were no rich—but to the people of the soil, born and bred along this beautiful coast-line lapped by the azure waters of the Mediterranean.

It was after M. Blanc's death in the early 'seventies that the Casino was first enlarged, and the theatre built by M. Garnier. From time to time further additions have been made—an entirely new gambling-room was added only a few years ago, and at the present moment another is being built.

Monte Carlo itself, which even in the 'eighties was quite a little place, has now become a regular town with streets stretching up along the mountain side almost up to the gigantic hotel, which is now such a conspicuous feature of the Principality.

The earthquake of 1887, though it ruined the season of that year, was probably beneficial to the prosperity of Monte Carlo, for it brought the name of the place prominently before the public eye. Shortly after that date the vast crowds which now throng to the place began to make their appearance, and Monaco quite changed its character. New hotels were opened and numbers of houses built, whilst Monte Carlo quite lost its air of reposeful peace and became a sort of cosmopolitan pleasure-town swarming with excursionists. Before this the Casino used to shut at eleven, after which hour every one went to bed, there being no night cafés to go to such as exist to-day.

From about 1882 to 1890 was perhaps the best day of the Principality from a social point of view, for at that time it was the resort of a number of the most distinguished and fashionable people in Europe. All the sporting characters of the day made a point of paying a yearly visit to Monte Carlo—most of them are gone now, including Mr Sam Lewis, who always played in maximums with varying success.

Another well-known figure was Captain Carlton Blythe, who is still alive. He was very successful at trente-et-quarante, where his operations were conducted in a most methodical manner. It was his practice to stake only when sequences were the order of the day. By means of men told off to watch the tables, he was kept informed of this, being sometimes sent for even when not in the Casino. His stakes were high, generally about two thousand francs, which, if won, were increased to six thousand, the next being a maximum (12,000 francs), which was left on till the termination of the run. At times this cheery devotee of coaching was extraordinarily lucky; it is said that he once won as much as £10,000 during a deal.

I believe, however, that in the end this system, like so many others, broke down.

The authorities of the Casino were then rather more particular than at present as to the costume of visitors, and in many cases refused to grant cards of admission to people of the most indisputable respectability on account of their dress not being in conformity with the regulations which they laid down.

On one occasion, indeed, the late Lord and Lady Salisbury, who lived close by at Beaulieu, having been seized with a fancy to look into the rooms, presented themselves at the entrance, where cards of entrée are issued either for the day or longer periods.

They were both dressed in thoroughly country clothes which the official in command viewed with no kindly eye, as his offhand manner showed. When, however, the visitors, in accordance with the regulations, gave their names, he was convulsed with laughter, and at once told the distinguished couple to go about their business and not try their jokes upon him.

The Prime Minister and his wife, who were rather amused at the incident, accordingly retired. Some time afterwards the matter reached the ears of the Administration, who, as a sort of compensation, sent a box at the theatre, but no very profound apology was made. The great gambling monopoly is no respecter of persons, and in the Casino, as on the Turf, complete equality prevails.

In the same year, 1892, a curious incident occurred at a trente-et-quarante table. An individual having staked a maximum on the black, red won. He immediately snatched up his (or rather the bank's) notes from the table and ejaculating, "C'est la dot de ma fille," strode out of the rooms before any one quite realised what had happened. For some reason or other he was not followed and got clear away.

Many rich Englishmen annually found at Monte Carlo relaxation and rest from lives of arduous work in the city; some of these regarded play much as sportsmen do shooting, hunting, or yachting.

One of these, now dead, said to the writer: "I have regularly taken a villa here for years, and with hardly an exception have lost the sum which I set apart for gaming every year; but I do not regret it. The amount of amusement which I have obtained has been well worth the money. I might, it is true, have kept a yacht which I should have hated, or taken a shooting which would have been little to my taste. I might, in fact, have spent the money in various ways which would have thoroughly bored me—on the whole I am well content."

Another well-known high player, who from time to time has lost large sums at Monte Carlo, once declared that he considered the money well invested. "Many a large landowner," said he, "is not as lucky as I have been, for he is obliged to spend a large sum every year on the upkeep of his estate for which he obtains nothing in return. I, at least, have had a great deal of amusement."

To this it may be objected that the money which goes into the coffers of the Casino benefits no one—but this is not strictly true, for the shares are held by all sorts of people, who draw their profits in the same way as from any industrial enterprise.

In the 'eighties there were many less hotels than at present and not a great number of villas, whilst the Café de Paris, which has since been rebuilt in an enlarged form, was about the only restaurant apart from the dining-rooms in the hotels. The Gallery, now filled with shops, which is such a favourite morning resort, had not yet come into existence, and except the admirable band in the Casino (which gave two performances a day, free) there was little music in Monte Carlo—a spot which now rings from morning till late at night with the strains of Tzigane bands.

After the tables were closed—at eleven—there were no amusements at all, and, instead of sitting up half the night, every one went to bed—contentedly or discontentedly, as they had won or lost.

The gambling-rooms were much quieter in those days, the flocks of German excursionists having not yet arrived. Many of these visitors, as a rule somewhat undesirable from a decorative point of view, are divided up into little coteries or bands, each of which elects a leader who is entrusted with such funds as the party is desirous of risking at the tables, where the leader alone stakes for all, winnings or losings being divided in proportionate shares.

Of late years the crowds round the gambling-tables have increased to such an extent that except in the early morning or during dinner-time it is impossible to make certain of obtaining a seat. Formerly two or three old men of solemn aspect were always to be found sitting at the trente-et-quarante marking down the run of the game, and on a louis being unostentatiously slipped into their hand they would at once yield up their seat. Of late years, however, they are no longer to be seen, the Administration having banished them from the Casino, much to the discomfort of habitual players desirous of risking substantial sums under comfortable conditions. In old days far more attention was paid in a great many other small ways to visitors who had the appearance of belonging to the upper strata of society. To these the croupiers and other officials made a point of being especially obliging and polite.

The authorities of the Casino, however, seem now to have decided on a more democratic policy, no favour being shown to any one. From a financial point of view this is probably not unsound, a vast number of small players, who drop a certain amount of five-franc pieces and then depart to make way for others, being probably more profitable to the bank than a few heavy gamblers, some of whom may hit it very severely.

It is more than likely that scarcely one in fifty of the individuals who sit with a pile of silver beside the roulette wheel goes away a winner, whereas amongst the high gamblers at trente-et-quarante success is not so rare as is usually supposed. The proof of what has been stated was furnished by the brief existence of the "Cercle Privé"—a new gaming-room which for a short time was highly appreciated by frequenters of Monte Carlo some seven or eight years ago.

The "Cercle Privé" was open only at night in a room upstairs, and men alone enjoyed the privilege of being allowed to play there. There were four tables, three trente-et-quarante and one roulette, a small bar where refreshments could be obtained, smoking was permitted, and the tables, which did not commence operations till the ones downstairs had closed, were kept going very late.

From the point of view of players this innovation was highly successful; for, owing to the comparatively small number of persons who frequented the "Cercle Privé," greater comfort prevailed than downstairs, whilst the conditions in general were far more conducive to calculated and calm speculation.

A large proportion of the frequenters were well known to one another, and the whole thing somewhat resembled a club, the members of which were leagued together against the bank.

Runs, intermittencies, and other tendencies of chance at certain tables could be carefully noted; occasionally there would be no play at all at one table, the whole crowd staking on a run at another; as the room was small, anything of the sort soon reached the ears of every one. Play as a rule was high, and the players, for the most part, were well used to gambling. The results to the bank were most disastrous. On a certain evening it lost more than had ever before been lost in one day by the Casino, and at the end of the year the accounts of the "Cercle Privé" proved anything but an agreeable study for the officials supervising the finances of the great gambling monopoly.

The next year it was closed, and there has since been no inclination on the part of the authorities to repeat what was to them a very unprofitable speculation.

Amongst various causes which in this instance operated to the detriment of the bank was the difficulty, generally amounting to impossibility, of players obtaining a further supply of money when what they had in their pockets had run out. At such a late hour, when the Bank was closed and the caisse of most hotels shut up, no matter how rich a man might be, he could not obtain any considerable amount of cash. Consequently, should he lose what he had brought with him, he was reduced to playing with such modest sums as could be borrowed from friends, who naturally could not be expected to make any substantial advance, as any moment they themselves might be in a similar predicament.

The bank, on the other hand, was equipped with ample funds, and its loss—unlike those of the players, which, after a certain point, were limited by necessity—often extended into a very large figure; consequently, when it was in good luck, it only won a comparatively moderate amount, and when in bad lost very heavily.

Another reason for the ill-success of the bank was that the policy pursued in the large rooms downstairs had in the case of the "Cercle Privé" been exactly reversed. In the former there have always been many more roulette tables than tables devoted to trente-et-quarante—upstairs there was only one roulette table as a counter-attraction to the three devoted to the rival game.

Trente-et-quarante is mathematically one of the most favourable of games at which a gambler can play, the percentage against him produced by the refait being only 1·28 per cent.

Roulette, on the other hand, is, owing to the zero, highly advantageous to the banker.

The bank's percentage on all-round play at the tables is more than one-seventy-fourth of all the figures staked; the actual winnings of the bank being about one-sixtieth part of all the money actually placed on the board. At the present time the bank's winnings (gross) are, roughly, £1,200,000 per annum.

A large proportion of the gains of the Monte Carlo bank is derived from small players who enter the rooms with the deliberate intention of either making a certain sum or losing what they have in their pockets; these form, as it were, the rank and file of the gambling army which is constantly being decimated by the Casino, and the almost total absence of such an element in the room upstairs reduced the play to a duel between the bank and a number of persons, the majority of whom were, more or less, capitalists and who, as often as not, went home immediately after bringing off one big and successful coup.

The gaming-rooms in the Casino at Monte Carlo have often been described as a hot-bed of vice and debauchery, the tables surrounded by a seething crowd of excited figures whose countenances betray the intense emotions which the vitiating effects of play arouse. "Cries of triumph, imprecations, moans and sobs are heard on every side." In certain highly coloured accounts, suicide is spoken of as being an ordinary occurrence, the crowd making way without comment for the passage of the corpse of some unfortunate gambler who, at the end of his tether, has blown out his brains.

All this is purely fanciful, and conveys no idea whatever of the real state of affairs prevailing in the rooms, where calm and good order invariably reign. There exists, indeed, an almost religious hush in the halls of this great Temple of Chance. After dinner, and towards the time of close of play, the scene, it is true, becomes more animated, but, as a rule, the only sounds heard are those connected with the games played. What conversation there is is almost exclusively devoted to short comments on such matters as the lack or abundance of runs on one particular colour, the persistent recurrence of certain numbers, the amount of winnings or losings of some well-known player, or the like; people rarely speak, when at the table, of their own vicissitudes in the battle with chance.

The real gamblers, that is to say, those to whom speculation is the very breath of life, speak least of all, their whole mind being concentrated upon the system or method of staking which it is generally their practice to adopt. They sit with unmoved faces, which appear neither elated by victory nor depressed by defeat.

A well-known Monte Carlo type—more abundant perhaps in the past than to-day—is the beau joueur, the man who plays to the gallery and, let it be added, pays handsomely for his performance. Certain and inevitable ruin is the fate of these individuals, who sacrifice themselves to the spirit of vanity. As a rule, the winnings or losings of such people are a great subject of conversation and discussion amongst the frequenters of the tables—they are said to have either won or lost enormous sums—to be at the end of their tether, or to have an enormous fortune behind them. Their fame, however, is of no enduring kind, being at best a nine days' wonder. They are soon forgotten, and their departure, leaving only too often their money in the vaults of the Casino, and an unpaid bill at their hotel, excites not even passing comment from the crowd of spectators whose approving gaze and fleeting admiration has been so dearly bought.

Some old players remain watching the game for a considerable space of time without risking a stake at all, till the moment arrives when either superstition or calculation prompts them to take the first steps in the campaign. Many of these come provided with memorandum books filled with column after column of figures, records of past runs on colours, and recurring sequences of numbers carefully inscribed as a guide to fathoming the capricious movements of fortune.

Others bring queer little mechanical contrivances, which are manipulated in a manner to show the correspondence between certain chances; whilst yet another section quite frankly display all sorts of fetishes, to some of which they attach a quite serious importance. A piece of the rope which has been used by a hangman is a fetish reputed to be an almost certain passport to good luck. The experience of the present writer with a grim relic of this kind did not, however, give any support to such a belief. As a great favour he was once given a small hempen souvenir by a friend, and armed with the precious talisman he betook himself to a trente-et-quarante table, where a good seat was secured. From the very first, however, it was evident that the gruesome charm was not exercising its occult influence in a direction favourable to its new, and perhaps somewhat sceptical, possessor. When runs were sought for, alternates appeared, and vice versa. Refaits were dealt with unnatural frequency; in fact, disaster followed disaster in an unbroken sequence, with the result that the little bit of rope was all that the player had in his pocket as he somewhat disconsolately strode out of the rooms, rather inclined to wish that the hempen relic had been utilised for its original purpose around the neck of its donor.

Gamblers are generally most superstitious folk and swayed by all sorts of whimsical ideas.

Years ago an old lady used to give the authorities a good deal of trouble by repeatedly bringing a small portion of ham into the rooms, and, whilst at play, cutting off slices and eating them. For some reason or other she had the fixed idea that, in her case, ham-eating propitiated fortune.

The rules of the Casino naturally forbid any proceeding of such a kind in the rooms, and whenever the ham was produced the chef de partie was obliged to point this out. The old lady in question, who was a well-known character, was, however, very rich, and, being a constant and high player, any drastic action would naturally have been disadvantageous to the best interests of the bank. Some compromise was, therefore, eventually arranged, by which the amount of ham consumed was so infinitesimal as to pass almost unnoticed by the general public.

Certain players attach considerable importance to the numbers inscribed upon the check handed to them by the attendants who look after cloaks and sticks. Now and then, as must of necessity happen in the ordinary course of events, an individual succeeds in winning a good stake by backing a number at roulette corresponding with that on his wooden ticket; more often, however, he fails, and then proceeds to work out all sorts of combinations of numbers, adding, subtracting and dividing, as the fancy seizes him.

The number of the sleeping-berth which has carried the visitor from Paris is also often chosen, as is that of his bedroom in the hotel. The date of a birthday, the sum total of the numbers on a watch, or of the figures on a coin, the number of cigarettes left in a case, or of coins in the pocket, and other similar trifles are all noted with intense interest by a certain class of player, eager for any clue which they believe may assist them in their struggle to achieve success.

It used, at one time, to be said at Monte Carlo that the clergyman of the English Church there never gave out any hymns under number thirty-six, as he had discovered that some of his congregation had made a practice of carefully noting down the numbers with a view to backing them at roulette. Most players, even the least superstitious, have some special lucky number of their own, which they make a point of following. Occasionally it turns up two or three times in succession, which, of course, further confirms them in constantly backing it, and, more often than not, losing far more than they have won.

The present writer's experiences in this direction have not been of an encouraging nature.

Some years ago, being on his way to the Principality, he was much struck by the curiously persistent way in which the number 13 confronted him throughout the journey. His room at Paris was 13; the number of his sleeping-berth in the train to Monaco was 13; and finally he was put into room No. 13 at the Hôtel de Paris on the day of his arrival, the 13th day of the month. All this, to any one with a vestige of superstition, looked as if 13 was a number well worth backing, and accordingly the writer hastened to the rooms, eager to see whether the tip would come off. As a matter of fact the only thing which did come off was the end of his finger, which in his haste to get to the Casino he slammed in his bedroom door. After having been attended to by a surgeon he finally obtained a place at roulette and steadily backed number 13, which, to his intense disgust, appeared rather less frequently than the other numbers. The same unsatisfactory state of affairs prevailed throughout his stay, which on that occasion was a prolonged and unpleasant one.

The curious influence which the advent of certain persons, or the occurrence of trivial incidents, appears to exert in matters of luck is well known to all gamblers. Many of them generally regard a number of trifles with feelings of considerable apprehension at the gaming-table, entertaining the most extraordinary likes and dislikes for various people and things, and cherishing queer fancies at which, in ordinary life, they would be the first to scoff. All this, of course, is akin to the superstition of the savage, a queer atavistic reminder of civilised man's humble descent.

Though the principles of roulette and trente-et-quarante are known to many, it may not be out of place to give brief descriptions of these games as played at Monte Carlo.

Before play begins the money is set out at one end of the table. The gold, after being weighed in scales, is placed in rouleaux, and the bank notes ranged according to their value. Everything is verified by an inspector, who taps each row with a rake and signs his name to a statement on paper.

At trente-et-quarante the minimum stake is a louis, the maximum 12,000 francs (£400), and the capital with which each table begins play £6000. "Breaking the bank" merely means that the money at a particular table is exhausted, and that play has to be suspended while more money is being procured.

Trente-et-quarante is a game of four even chances—rouge and noir, couleur gagne and couleur perd. It is played with six packs of cards, which, having been shuffled, are cut by one of the players. There is often a good deal of competition for this ceremony, the cut being by request reserved for some keen player. As a rule, however, others give way when any one who seems in luck—especially a lady of attractive appearance—steps forward to cut the cards.

After every one has staked and "rien ne va plus" has been called, the croupier deals the first card face upwards, and continues dealing until the cards turned up exceed thirty pips in number, when he must announce the numbers from "trente-et-un" to "quarante." This top line of cards is black, and when it is less in number than the one which is dealt beneath black wins.

Another line underneath is then dealt for rouge. When the two lines are equal in the number of pips—say thirty-six each—the dealer announces an après; thirty-one is the refait when all stakes are en prison. When, however, a refait has been dealt, a player may withdraw half his stake if he chooses, or move his money over from the red "prison" to the black "prison." In the case of another refait, the money is removed into another space, which is called the second prison. The odds against a refait turning up are usually reckoned as 63 to 1. The bank is said, however, to expect it twice in three deals, and there are generally from twenty-nine to thirty-two coups in each deal. By paying one per cent players may insure their stake. A large white counter is placed by the croupier on or near the money insured, which is unaffected by the refait. There are high players, however, who consider it bad policy to insure, and prefer to run the risk of 31 being dealt in both lines.

As a matter of fact, from a mathematical point of view, thirty-one is the number which the cards are most likely to make, as any one can easily prove for himself; the combinations formed by the numbers of the pips on the cards being more adapted to produce thirty-one than anything else. It is for this reason, no doubt, that the number in question was chosen for the refait, when the game first came into vogue.

At trente-et-quarante, besides the even chances of rouge and noir, there are also the even chances of couleur gagne and couleur perd.

The first card dealt determines couleur. If, for instance, it is red and rouge (the bottom line) wins—couleur gagne—the croupier says, "rouge gagne et la couleur"; if it is black and rouge wins—couleur perd—the croupier says, "rouge gagne, couleur perd."

The prison, of course, applies to couleur just as it does to rouge and noir.

At certain stated intervals, in the presence of a sous-directeur or chef de partie, the used packs of cards from trente-et-quarante are carried to a furnace in sealed sacks and scrupulously burnt.

A good many years ago the backs of the cards used at trente-et-quarante were plain white; at the present time, however, a slight design, the pattern of which varies daily, is upon them.

The reason for the change was said to be that the plain backs once facilitated a fraud, which cost the authorities of the Casino many thousands of francs. The story is a curious one.

One morning, as trente-et-quarante was pursuing its usual somewhat monotonous progress, a player with a large pile of money before him, seated next the croupier dealing, entered into an altercation with a neighbour about some stake, in the course of which, owing to violent gesticulations, a whole heap of coins was swept to the ground. Considerable confusion arose, which naturally necessitated the interference of the chef de partie (who supervises the game). The attention of everybody, both officials and players, was drawn to the spot where the dispute was taking place; the owner of the fallen treasure loudly declaiming against rough, bullying swindlers being allowed to enter the rooms at all. However, after much chatter, the money having been all found, peace was restored and the game proceeded on its ordinary course.