24  OFFER  AND   ACCEPTANCE

One  cleans  another's  shoeti,  what  can  the  other  do  but  put  them
on  ?  Is  that  evidence  of  a  contract  to  pay  for  the  cleaning  ?"°
The  rule  in  question  does  not  mean  that  all  the  terms  of
the  offer  must  be  actually  known  by  the  offeree.  A  man  may
give  his  assent  to  terms  when  the  knowledge  of  them  is
merely  imputed  to  him,  upon  the  general  principle  that
notice  is  often  equivalent  to  knowledge.  Thus  one  who  pur-
chases a  railway  ticket  is  held  to  assent  to  the  conditions
printed  upon  it  although  he  may  not  have  read  them.  The
ticket  is  not  only  a  token  that  the  passenger  has  paid  his
fare,  but  is  also  the  contract  between  the  carrier  and  the
passenger.^  The  acceptance  of  a  bill  of  lading  embodying
the  terms  of  the  contract  is  in  general  sufficient  evidence  of
the  assent  of  the  shipper.''  When  a  policy  of  insurance
states  that  it  is  made  upon  the  terms  and  conditions  men-
tioned in  the  charter  and  by-laws  of  the  insurer,  the  assured
is  presumed  to  have  knowledge  of  them  all.*

5  Taylor  v.  Laird,  25  L.  J.  Exch.  329.  cited  in  Anson,  Contr.  108.
6  Western  Md.  R.  Co.  v.  Stoclisdale,  83  Md.  255;  Mosher  v.  St.
Louis,  etc.,  Co..  127  U.  S.  390;  United  Rys.  Co.  v.  Hardesty,  94
Md.  661.
7  Wolff  V.  Adams  Express  Co.,  106  Md.  472.
