"Thank you, Lady Greendale, but I am by no means sanguine about it.

"I fancy, Miss Haverley, that you and Miss Greendale will see the winning flag flying overhead when the race is over."

"Why do you think so, Major?" Lord Haverley asked. "The general opinion is that your record is better than that of the Phantom. She has done well in the two or three races she has sailed, but she certainly did not beat the Lesbia or the Mermaid by as much as you did."

"That may be," Frank agreed, "but I regard Carthew as having been born under a lucky star; and though my own opinion is that if the Phantom were in other hands we should beat her, I fancy his luck will pull her through."

Haverley laughed. "I should not have given you credit for being superstitious, Major."

"I don't think that I have many superstitions, but I own to something like it in this case."

Bertha looked earnestly at him. Just before the gig returned from the shore, she and Frank were standing together.

"I am sorry that I shall not have your good wishes tomorrow," he said.

"I have not said that anyone will have my good wishes," she replied. "I shall be on board the Phantom because I was invited there before you asked me, but my hope is that the best yacht will win. I want to speak to you for a minute or two. When can I see you?"

"I can come up tomorrow morning early," he replied. "What time will best suit you?"