Kells looked up; Bernie was looking at him, grinned. “Wet as usual,” he said. “You better take off your clothes an’ get in a bunk.”

Kells said: “Step on it. I’ve got to call up a friend of mine.”

He picked up several of the wet bills, folded them, put a half dollar inside the fold to give them weight, slid them across the deck to Bernie.

“That ought to cover damages on the boat, too,” he said.

Borg came out of the cabin with absorbent cotton and adhesive and peroxide.

Kells picked up some more bills, rolled them into a ball and shoved them into Borg’s free hand, said: “Try to buy yourself a yacht with that...” He counted what was left.

Borg poured peroxide on the leg.

Kells said: “I came out to California with two grand.” He shoved the bills into a heap. There was a little pile of silver left. He counted it with his finger.

“Now I’ve got two — and seventy cents.” He picked up the silver, held it in his palm, smiled at Borg. “Velvet.”

Bernie shouted: “I hope I remember the way back!”