Mammy paused, somewhat at a loss how to proceed, for business affairs seemed very complicated to her. Mr. Elijah Sniffins was greatly amused and continued to eye her and smile. He was a dapper youth of probably twenty summers, with scant blond hair, pale blue, shifty eyes, a weak mouth surmounted by a cherished mustache of numerable hairs and a chin which stamped him the toy of stronger wills. Mammy knew the type and loathed it. His smirk enraged her, and rage restored her self-possession. Raising her head with a little sidewise jerk as befitted the assurance of a Blairsdale, she cried:

“Yas—sir, I done come to ax yo’ a question ’bout de ’surance on a place in Riveredge. I hears de time fer settlin’ up gwine come day atter to-morrer an’ if ’taint settled up de ’surance boun’ ter collapse. Is dat so?”

“Unless the policy is renewed it certainly will ‘collapse,’” replied Mr. Sniffins breaking into an amused laugh.

“Huh! ’Pears like yo’ find it mighty ’musin’,” was Mammy’s next remark and had Mr. Elijah Sniffins been a little better acquainted with his patron he would have been wise enough to take warning from her tone.

“Well, you see I am not often favored with visits from ladies of your color who carry fire insurance policies. A good many carry life insurance, but as a rule they don’t insure their estates against fire, an’ the situation was so novel that it amused me a little. No offense meant.”

“An’ none teken—from your sort,” retorted Mammy. “But how ’bout dis hyer pol’cy? What I gotter do fer ter keep it f’om collapsin’ ef it aint paid by day atter to-morrer?”

“Pay it to-day, or to-morrow,” was the suave reply accompanied by a wave of the hand to indicate the ultimatum.

“’Spose dey ain’t got de money fer ter pay right plank down, but kin pay de week atter? Could’n’ de collapse be hild up twell den?”

“Ha! Ha!” laughed Mr. Elijah. “I’m ’fraid not; I’ve heard of those ‘next week’ settlements before, and experience tells me that ‘next week’ aint never arrived yet. Ha! Ha!”

“Den yo’ won’t trus’ de Ca— de fambly?” Mammy had very nearly betrayed herself.