"All right," agreed Charley, not a bit afraid to do his best, although he knew very well that he was only a boy and not a fish. It would be fun, anyhow.

So he hastened to the cabin, stripped like the men had stripped, and in his undershirt and cotton trousers back he pattered to the rail. The water looked farther down than he had figured, but of course he wouldn't back out, now; and accompanied by a hearty cheer from the passengers, over he plumped. As soon as he struck the water, all the boys near there made a rush for him, yelling.

Up he rose, right in their midst—and just as he had expected, he was no match for them at swimming or diving. They cut circles around him, and under and over, and the "showing" he made did not amount to much, he feared. Still, he proved that he could swim, and was not afraid, and as he paddled about he grinned. They soon found out that they could beat him easily enough, getting the coins; but he didn't want the coins, and the water was delightfully luke-warm—just right; so they all were contented.

Really, it was much better here than up on the hot deck, and Charley was well satisfied with the change, when aloft, along the rail, a great hubbub sounded. Passengers were pointing and craning about, and most of them rushed away, to the other side.

"The Panama!" they were calling. "That's she! Down from San Francisco. She's coming in. Now for some news."

Even the natives were gazing. For the stairs swam the men who had jumped overboard, and for the stairs swam Charley also. The Panama? Sure! She was sister ship to the California, and by the talk she was coming in, bound down from California.

When Charley gained the deck he, too, looked. He saw the thread of black smoke increased to a wide plume and very near. Beneath the plume was a large steamer, already headed into the harbor entrance. Great excitement reigned aboard the California.

Majestically the Panama glided into the harbor, and dropped anchor only a long stone's throw from the California. "Boom!" spoke her signal gun, and for her raced, again, the fleet of bumboats.

Her rail was black-and-white with passengers, staring across at the passengers of the California. Men began to yell back and forth.

"Where's your gold?"