2624 AWARD OF THE FISHERY COMMISSION. 



and investments are elsewhere ? A. Yes, and who have summer resi- 

 dences in Gloucester. 



Q. That is because of the salubrity of the climate, and the ocean 

 scenery ? There has been a great deal of that ! A. Yes. 



Q. Parts of Gloucester have been built up entirely ! A. Yes. 



Q. Manchester and Magnolia ? A. Yes. 



Q. Then down towards Eastern Point Light ? A. Well, there are four 

 or live summer boarding-houses there. 



Q. Then you have summer boarding-houses, and the hotels in summer 

 depend to a large extent on summer boarders ? A. Yes. 



Q. Now, has all that led to an increase in the value of lands ? A. Yes. 



Q. The soil is not very fertile, I believe? A. No. It is rocky. 



Q. And, as I recollect, there is not a great quantity of it f A. No. 



Q. Its value, independent of what is given to it as a place of summer 

 residence, would be small ? A. I think it would. 



Q. Now, do you recollect anything else besides what you have men- 

 tioned granite, outside business, and summer residence ? Are there 

 cases of men in Boston, whose business is in Boston, and whose real 

 lona-fide home is there, but who yet reside in Gloucester long enough to 

 pay taxes there ? A. Yes. 



Q. In some cases, men of vpry large fortune ? A. Yes. 



Q. A man died there the other day worth a couple of millions or so. 

 He was a manufacturer and general merchant living in Boston ? 

 A. Yes. 



Q. One question about insurance. Does that company which you 

 speak of insure to the full value of the vessel ? A. They do not. 



Q. Do you recollect to what proportion ? A. Yes. 



Q. Do you recollect whether it is three fourths or seven-eighths ? 

 A. I won't say positively. 



Q. But there is a portion that the owner has to pay himself? A. Yes. 



Q. Do they pay every loss, or only over a certain percentage of the 

 value ? A. Only over a certain percentage. I think it is 12 per cent. 



Q. At all events, whatever the percentage, there may be a series of 

 losses that the owner has to bear himself, that do not amount to enough 

 to make a partial loss ? A. No. If they are run into, for instance, and 

 damaged by one another, they do not get anything, unless it is over a 

 certain percentage of the value. 



Q. Have you a copy of the fishing articles of Gloucester fishermen ? 

 A. No. 



Q. Can you state from your own knowledge of their provisions, or 

 how they have ever been construed, as to the legal right of the men to 

 take their own fish, subject to the incumbrances. Do yon know how 

 that is! A. No. The cases of fishermen wanting to take his own fish 

 are very rare indeed. They are always satisfied with the settlement 

 they make with the owners. 



Q. We should like to have the book which contains the by-laws of 

 the insurance company; also, a copy of the cod-fishing articles and 

 mackerel-fishing articles. That would be interesting. A. I will send 

 them. 



Q. There was a man named Joseph Campbell, of Souris, Prince Ed- 

 ward Island, examined as a witness. He was asked : " In 1860 what 

 vessel did you go in?" and answered, u the Daniel McPhee." He was 

 asked : " Where did you go f " and answered, " We went to the bay. Be- 

 lauded and took dories and went up to Seven Islands again. There we 1 

 got 80 barrels at the same place as before. From that we went further 

 up to a place called Boubou, and got twenty or thirty barrels there close 



