"We all have our luck, you know."

"Your luck has been a wife and family. My luck has been to be a bachelor."

"You may say a family," said Cradell. "I'm sure that Amelia does the best she can; but we are desperately pushed some times,—desperately pushed. I never was so bad, Johnny, as I am now."

"So you said the last time."

"Did I? I don't remember it. I didn't think I was so bad then. But, Johnny, if you can let me have one more fiver now I have made arrangements with Amelia how I'm to pay you off by thirty shillings a month,—as I get my salary. Indeed I have. Ask her else."

"I'll be shot if I do."

"Don't say that, Johnny."

"It's no good your Johnnying me, for I won't be Johnnyed out of another shilling. It comes too often, and there's no reason why I should do it. And what's more, I can't afford it. I've people of my own to help."

"But oh, Johnny, we all know how comfortable you are. And I'm sure no one rejoiced as I did when the money was left to you. If it had been myself I could hardly have thought more of it. Upon my solemn word and honour if you'll let me have it this time, it shall be the last."

"Upon my word and honour then, I won't. There must be an end to everything."