reach the Mansion House or Cannon street stations, which are the
nearest to the Bank of England. In a similar manner those arriving at
Euston, St. Pancras or King's Cross on the northern side of the
"circle," can reach Broad Street station in ten or fifteen minutes,
which station is nearest the bank on that side of the "circle."

In a number of cases the underground station is in the same building
or directly connected by passages with the terminal stations of the
roads leading into the city. Examples of this kind would be such
stations as Cannon Street, Victoria or Paddington. They are not,
however, sufficiently convenient to allow the transference of baggage
so as to accommodate through passengers desiring to make connection
from one station to another across the city. Hand baggage only is
carried, about the same as it is on the elevated road in New York. The
method of cross town transfer, passengers and baggage, is invariably
done by small omnibuses, which all the railroads maintain on hand for
that special purpose. A very large proportion of the travel, however,
if not the largest, is obtained by direct communication by means of
the "circle" on branch lines with the various residential portions of
north, west and south London.

Approximately on the underground railroad the fare is one cent per
mile for third class, one cent and a half for second class, and two
cents for first class, but no fare is less than a penny, or two cents.
Omnibus fares in some instances are as low as a penny for two miles.
This is not by any means the rule, and is only to be found on
competing lines. The average fare would be a penny a mile or more.

The fares on the main lines which accommodate the suburban traffic are
somewhat higher than on the underground, perhaps 50 per cent. more. In