"No one knows. That's a new job for Chard. Come, Rachel, take us inside, I'm as hungry as a beach-comber. And Tera looks as though she could eat a bit, too."

"Come in, dear," said Rachel, drawing Tera towards the house; "I am simply dying to hear what all this means."

Shortly afterwards, in accordance with the manner of the sex, the two girls retired to Rachel's room to exchange confidences. Jack was left alone, and stood on the front door-step, whistling. He was in the highest spirits, and no wonder. Was he not acquitted of a dangerous charge, engaged to marry Tera with the full consent of his uncle, part owner of a ship after his own heart, and shortly sailing for the South Seas, which he loved far more than his native land? The future was bright and assured, and Finland, although not as a rule devotionally inclined, breathed a prayer of thankfulness for his good fortune. There was but one thing doubtful in his mind. Would his uncle give him the money he required? As he debated the question, Farmer Carwell came round the corner of the house, ready for dinner. Jack, who was prompt in all his actions, broached the subject there and then.

"Uncle," he said, as the old man took a seat in his armchair, "about this five hundred--can you let me have it?"

Carwell was not a mean man, but he was accustomed always to approach with due caution anything in the nature of a financial transaction; therefore he did not open his heart and hand so readily as Jack had expected.

"That requires some consideration, my lad," he said after a pause; "money is harder to get than to give."

"You have surely had plenty of time to consider the matter, uncle?--because, I do not ask you to give me the money, but to lend it to me. I'll pay it back with interest--the loan will be as good a thing for you as for me."

"H'm. You see, you offer no security."

"Isn't my word enough security?" cried Jack, flushing. "I am your own sister's son; it is not likely I would swindle you."

"Softly, my lad. I'm not accusing you of dishonesty; but I never stretch out my hand farther than I can draw it back. You want five hundred pounds; for use in connection with your ship, isn't it?"