The other side of the picture is more encouraging. There is the best of evidence that a large number of well-born people die annually of starvation because they are too proud to beg or even to borrow. This trait is embalmed in almost countless stories telling of how poor but worthy people, on the verge of starvation, were rescued from that cruel fate by some happy turn of fortune. In the city of Seoul there is one whole quarter almost wholly given up to residences of gentlemen to whom fortune has given the cold shoulder. It lies under the slopes of South Mountain, and you need only say of a man that he is a "South Ward Gentleman" to tell the whole story. Ordinarily the destitute gentleman does not hesitate to borrow. The changes of fortune are so sudden and frequent that he always has a plausible excuse and can make voluble promises of repayment. To his credit be it said that if the happy change should come he would be ready to fulfil his obligations. It has to be recorded, however, that only a very small proportion of those who borrow from foreigners ever experience that happy change. There are several ways to deal with such people: the first is to lend them what they want; the second is to refuse entirely; and the third is to do as one foreigner did, - when the Korean asked for the loan of ten dollars, he took out five and gave them to him, saying, "I will give this money to you rather than lend you ten. By so doing I have saved five dollars, and you have gotten that much without having to burden your memory with the debt." To the ordinary Korean borrower this would seem like making him a beggar, and he never would apply to the same source for another loan. In the matter of truthfulness the Korean measures well up to the best standards of the Orient, which at best are none too high. The Chinese are good business men, but their honesty is of the kind that is based upon policy and not on morals. Among the common people of that land truthfulness is at a sad discount. It is largely so in all Far Eastern countries, but there are different kinds of untruthfulness. Some people lie out of pure maliciousness and for the mere fun of the thing. The Koreans do not
