They reached Brackley's chambers, lit pipes, and mixed drinks. Yarrow stretched himself in a lounge chair, and took up the subject again, speaking lazily and meditatively. He was a man of thirty-eight, with a clean-shaven face; he looked, as indeed he was, travelled and experienced.

"I don't read any books," he remarked, "but I've been twice round the world, and am just about to leave England again. I've been alive for thirty-eight years, and during most of them I have been living. Consequently, I've formed opinions, and one of my opinions is that it is better to dispense with superfluous luggage. Prejudices, superstitions, beliefs of any kind that are not capable of easy and immediate proof are superfluous luggage; one goes more easily without them. You implied just now that you had a certain amount of this superfluous luggage, Brackley. What form does it take? Do you turn your chair?—are you afraid of thirteen at dinner?"

"No, nothing of that sort. I'll tell you about it. You've heard of my grandfather—who made the money?"

"Heard of him? Had him rubbed into me in my childhood. He's in Smiles or one of those books, isn't he? Started life as a navvy, educated himself, invented things, made a fortune, gave vast sums in charity."

"That is the man. Well, he lived to be a fair age, but he was dead before I was born. What I know of him I know from my father, and some of it is not included in those improving books for the young. For instance, there is no mention in the printed biography of his curious belief in the four-fingered hand. His belief was that from time to time he saw a phantom hand. Sometimes it appeared to him in the daytime, and sometimes at night. It was a right hand with the second finger missing. He always regarded the appearance of the hand as a warning. It meant, he supposed, that he was to stop anything on which he was engaged; if he was about to let a house, buy a horse, go a journey, or whatever it was, he stopped if he saw the four-fingered hand."

"Now, look here," said Yarrow, "we'll examine this thing rationally. Can you quote one special instance in which your grandfather saw this maimed hand, broke off a particular project, and found himself benefited?"

"No. In telling my father about it he spoke quite generally."

"Oh, yes," said Yarrow, drily. "The people who see these things do speak quite generally as a rule."

"But wait a moment. This vision of the four-fingered hand appears to have been hereditary. My father also saw it from time to time. And here I can give you the special instances. Do you remember the Crewe disaster some years ago? Well, my father had intended to travel by the train that was wrecked. Just as he was getting into the carriage he saw the four-fingered hand. He at once got out and postponed his journey until later in the day. Another occasion was two months before the failure of Varings'. My father banked there. As a rule he kept a comparatively small balance at the bank, but on this occasion he had just realised an investment, and was about to place the result—six thousand pounds—in the bank, pending re-investment. He was on the point of sending off his confidential clerk with the money, when once more he saw the four-fingered hand. Now at that time Varings' was considered to be as safe as a church. Possibly a few people with special means of information may have had some slight suspicion at the time, but my father certainly had none. He had always banked with Varings, as his father had done before him. However, his faith in the warning hand was so great that instead of paying in the six thousand he withdrew his balance that day. Is that good enough for you?"

"Not entirely. Mind, I don't dispute your facts, but I doubt if it requires the supernatural to explain them. You say that the vision appears to be hereditary. Does that mean that you yourself have ever seen it?"