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   of damaged goods as well as of both the sound and the injured furniture, fixtures and other accessories, also the amount of sales effected in the month; then make one total of the three.
   Third.  Deducting the latter total amount from the former, and obtaining thereby a very approximate, if not the mathematically exact figure of the damage suffered.
   I.  That's just what we have done, but we could not agree on the valuation of damaged goods, furniture, fixtures etc., to which your surveyor assigned very near the original value, while, in my opinion, they are in such a condition as not to be worth the half of it.
   M.  To how much does the difference between the two valuations amount?
   I.  To four hundred pounds exactly.
   M.  A. pretty round sum to be sure; however let us try to fill up the discrepancy. I may admit that our surveyor has been rather loose in his estimate, but on your turn you must acknowledge that you have been altogether too tight. Let each party make up for a half of the difference, you adding two hundred pounds to your estimate and we abating ours of an equal sum; that will make things square, I think.
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   J.  For the sake of avoiding further delay, which is highly prejudicial to my interest, I accept your proposal, although I feel sure of my being in the right. I subordinate my consent however to the question of my dwelling, which question, as you said, has been left open. You do not object to my house furniture,being included in the claim, do you ?
   M.  I am indeed very sorry to contradict you, my dear Mr. Flint, but really I cannot grant your demand on this point. Notwithstanding the limitation of the risk, as described in the policy, I had no objection to consider as covered by the insurance such goods as being provisionally warehoused in some rooms of your dwelling at the time of the fire, taking them as a portion of your stock ; but I cannot do the same for your lodging; even if I did, the settlement would be refused by the Board of Directors, to which all claims above one thousand pounds are to be submitted; for it would be against the letter and the spirit of your policy.
   I.  Still I hold that for the very reason that the goods in my dwelling have been, as they rightly should be, considered as a portion of the insured matter (i), the premises, wherein
   (i) In assicurazione la cosa assicurata chiamasi anche tecnicamente «the subject matter» sottintendendo « of teh insurance ».