"Yes - yes, they're insured - but money won't repay me for losing them!"

Bets did not know what being insured was. Larry told her quickly. "If you have anything valuable that you are afraid might be stolen or burnt, you pay a small sum of money to an insurance company each year - and then if it does happen to be destroyed, the company will pay you the whole cost of your valuable belongings."

"I see," said Bets. She stared at Mr. Hick. He still seemed very upset indeed. She thought he was a funny looking man.

He was tall and stooping, and had a tuft of hair that stuck out in front. He had a long nose, and eyes hidden behind big spectacles. Bets didn't much like him.

"Clear all these people away/' said Mr. Hick, looking at the villagers and the children. "I don't want my garden trampled down all night long. There's nothing any one can do now."

"Right, sir," said Mr. Goon, pleased at being able to "clear orf" so many people at once. He began to walk towards the watching people.

"Clear orf," he said. "Nothing to be done now. Clear orf, you children. Clear orf, every one."

The flames of the cottage were burning low now. The fire would burn itself outs and that would be the end. The

children suddenly felt sleepy after their excitement,, and their eyes smarted with the smoke.

"Pooh! My clothes do smel of smoke," said Larry, disgusted, "dime on - let's get back home. I wonder if Mummy and Daddy are back yet."