Time passed, and as my prayers were not answered, I repeated them with increased vigour. Then, quite suddenly, a man stepped out from the dark entrance to a by-street, and, touching me lightly on the arm, said, "Is there anything amiss? I have been looking at you for some time, and a feeling has come over me that you need assistance. What is the matter?" I regarded the speaker earnestly, and, convinced that he was honest, told him my story, whereupon to my delight he at once said, "I think I can help you, for a friend of mine runs a small but thoroughly respectable hotel close to here, and, if you like to trust yourself to my guidance, I will take you there and explain your penniless condition." I accepted his offer; what he said proved to be correct; the hotel-keeper believed my story, and I passed the night in decency and comfort. In the morning the

proprietor lent me the requisite amount of money for a cablegram to Europe. My bank in England cabled to a bank in Chicago, and the hotel-keeper generously made himself responsible for my identity; the draft was cashed, and I was once again able to proceed on my journey. But what caused the man in the street to notice me? What prompted him to lend me his aid? Surely my guardian spirit. Again, when in Denver, in the Denver of old times, before it had grown into anything like the city it is now, I was seized with a severe attack of dysentery, and the owner of the hotel in which I was staying, believing it to be cholera, turned me, weak and faint as I was, into the street. I tried everywhere to get shelter; the ghastly pallor and emaciation of my countenance went against me—no one, not even by dint of bribing, for I was then well off, would take me in. At last, completely overcome by exhaustion, I sank down in the street, where, in all probability, I should have remained all night, had not a negro suddenly come up to me, and, with a sympathetic expression in his face, asked if he could help me. "I passed you some time ago," he said, "and noticed how ill you looked, but I did not like to speak to you for fear you might resent it, but I had not got far before I felt compelled to turn back. I tried to resist this impulse, but it was no good. What ails you?" I told him. For a moment or so he was silent, and then, his face brightening up, he exclaimed, "I think I can help you. Come along with me," and, helping me gently to my feet, he conducted me to his own

house, not a very grand one, it is true, but scrupulously clean and well conducted, and I remained there until I was thoroughly sound and fit. The negro is not as a rule a creature of impulse, and here again I felt that I owed my preservation to the kindly interference of my guardian spirit.

Thrice I have been nearly drowned, and on both occasions saved as by a miracle, or, in other words, by my attendant guardian spirit. Once, when I was bathing alone in a Scotch loch and had swum out some considerable distance, I suddenly became exhausted, and realised with terror that it was quite impossible for me to regain the shore. I was making a last futile effort to strike out, when something came bobbing up against me. It was an oar! Whence it had come Heaven alone knew, for Heaven alone could have sent it. Leaning my chin lightly on it and propelling myself gently with my limbs, I had no difficulty in keeping afloat, and eventually reached the land in safety. The scene of my next miraculous rescue from drowning was a river. In diving into the water off a boat, I got my legs entangled in a thick undergrowth of weeds. Frantically struggling to get free and realising only too acutely the seriousness of my position, for my lungs were on the verge of bursting, I fervently solicited the succour of my guardian spirit, and had no sooner done so, than I fancied I felt soft hands press against my flesh, and the next moment my body had risen to the surface. No living person was within sight, so that my rescuer could only have been—as usual—my guardian spirit.

Several times I fancy I have seen her, white,

luminous, and shadowy, but for all that suggestive of great beauty. Once, too, in the wilder moments of my youth, when I contemplated rash deeds, I heard her sigh, and the sigh, sinking down into the furthermost recesses of my soul, drowned all my thoughts of rash deeds in a thousand reverberating echoes. I have been invariably warned by strangers against taking a false step that would unquestionably have led to the direst misfortune. I meet a stranger, and without the slightest hint from me, he touches upon the very matter uppermost in my mind, and, in a few earnest and never-to-be-forgotten words of admonition, deters me from my scheme. Whence come these strangers, to all appearance of flesh and blood like myself? Were they my guardian spirit in temporary material guise, or were they human beings that, like the hotel proprietor's friend in Chicago, and the negro, have been impelled by my guardian spirit to converse with me and by their friendly assistance save me? Many of the faces we see around us every day are, I believe, attendant spirits, and phantasms of every species, that have adopted physical form for some specific purpose.

Banshees

It has been suggested that banshees are guardian spirits and evil genii; but I do not think so, for whereas one or other of the two latter phantasms (sometimes both) are in constant attendance on man, banshees only visit certain families before a catastrophe about to happen in those families, or before the death of a member of those families.

As to their origin, little can be said, for little is at present known. Some say their attachment to a family is due to some crime perpetrated by a member of that family in the far dim past, whilst others attribute it to the fact that certain classes and races in bygone times dabbled in sorcery, thus attracting the elementals, which have haunted them ever since. Others, again, claim that banshees are mere thought materialisations handed down from one generation to another. But although no one knows the origin and nature of a banshee, the statements of those who have actually experienced these hauntings should surely carry far more weight and command more attention than the statements of those who only speak from hearsay; for it is, after all, only the sensation of actual experience that can guide us in the study of this subject; and, perhaps, through our "sensations" alone, the key to it will one day be found. A phantasm produces an effect on us totally unlike any that can be produced by physical agency—at least such is my experience—hence, for those who have never come in contact with the unknown to pronounce any verdict on it, is to my mind both futile and absurd. Of one thing, at least, I am sure, namely, that banshees are no more thought materialisations than they are cats—neither are they in any way traceable to telepathy or suggestion; they are entirely due to objective spirit forms. I do not base this assertion on a knowledge gained from other people's experiences—and surely the information thus gained cannot properly be termed knowledge—but from the sensations I myself,

as a member of an old Irish clan, have experienced from the hauntings of the banshee—the banshee that down through the long links of my Celtic ancestry, through all vicissitudes, through all changes of fortune, has followed us, and will follow us, to the end of time. Because it is customary to speak of an Irish family ghost by its generic title, the banshee, it must not be supposed that every Irish family possessing a ghost is haunted by the same phantasm—the same banshee.