‘I am sure of that,’ said he, ‘and am much obliged. At another time, perhaps, I may be less delicate. Only, however, if I have real business; for I know, Mr. Sampson, how precious business time is, and what a vast number of impertinent people there are in the world.’

I acknowledged his consideration with a slight bow. ‘You were thinking,’ said I, ‘of effecting a policy on your life.’

‘O dear no! I am afraid I am not so prudent as you pay me the compliment of supposing me to be, Mr. Sampson. I merely inquired for a friend. But you know what friends are in such matters. Nothing may ever come of it. I have the greatest reluctance to trouble men of business with inquiries for friends, knowing the probabilities to be a thousand to one that the friends will never follow them up. People are so fickle, so selfish, so inconsiderate. Don’t you, in your business, find them so every day, Mr. Sampson?’

I was going to give a qualified answer; but he turned his smooth, white parting on me with its ‘Straight up here, if you please!’ and I answered ‘Yes.’

‘I hear, Mr. Sampson,’ he resumed presently, for our friend had a new cook, and dinner was not so punctual as usual, ‘that your profession has recently suffered a great loss.’

‘In money?’ said I.

He laughed at my ready association of loss with money, and replied, ‘No, in talent and vigour.’

Not at once following out his allusion, I considered for a moment. ‘Has it sustained a loss of that kind?’ said I. ‘I was not aware of it.’

‘Understand me, Mr. Sampson. I don’t imagine that you have retired. It is not so bad as that. But Mr. Meltham—’

‘O, to be sure!’ said I. ‘Yes! Mr. Meltham, the young actuary of the “Inestimable.”’