The division of the party for the two sailings was tactfully arranged by Mrs. Dan DeMille. The Valentines chaperoned the "second table" as "Subway" Smith called those who were to take the later boat, and she herself looked after the first lot. Peggy Gray and Monty Brewster were in the DeMille party. The three days in England were marked by unparalleled extravagance on Monty's part. One of the local hotels was subsidized for a week, although the party only stayed for luncheon, and the Cecil in London was a gainer by several thousand dollars for the brief stop there. It was a careworn little band that took Monty's special train for Southampton and embarked two days later. The "rest cure" that followed was welcome to all of them and Brewster was especially glad that his race was almost run.

Swiftly and steadily the liner cut down the leagues that separated her from New York. Fair weather and fair cheer marked her course, and the soft, balmy nights were like seasons of fairyland. Monty was cherishing in his heart the hope inspired by Peggy's action on the night of the storm. Somehow it brought a small ray of light to his clouded understanding and he found joy in keeping the flame alive religiously if somewhat doubtfully. His eyes followed her constantly, searching for the encouragement that the very blindness of love had hidden from him, forever tormenting himself with fears and hopes and fears again. Her happiness and vivacity puzzled him—he was often annoyed, he was now and then seriously mystified.

Four days out from New York, then three days, then two days, and then Brewster began to feel the beginning of the final whirlwind in profligacy clouding him oppressively, ominously, unkindly. Down in his stateroom he drew new estimates, new calculations, and tried to balance the old ones so that they appeared in the light most favorable to his designs. Going over the statistics carefully, he estimated that the cruise, including the repairs and return of the yacht to New York, would cost him $210,000 in round figures. One hundred and thirty-three days marked the length of the voyage when reckoned by time and, as near as he could get at it, the expense had averaged $1,580 a day. According to the contract, he was to pay for the yacht, exclusive of the cuisine and personal service. And he had found it simple enough to spend the remaining $1,080. There were days, of course, when fully $5,000 disappeared, and there were others on which he spent much less than $1,000, but the average was secure. Taking everything into consideration, Brewster found that his fortune had dwindled to a few paltry thousands in addition to the proceeds which would come to him from the sale of his furniture. On the whole he was satisfied.

The landing in New York and the separation which followed were not entirely merry. Every discomfort was forgotten and the travelers only knew that the most wonderful cruise since that of the ark had come to an end. There was not one who would not have been glad to begin it again the next day.

Immediately after the landing Brewster and Gardner were busy with the details of settlement. After clearing up all of the obligations arising from the cruise, they felt the appropriateness of a season of reflection. It was a difficult moment—a moment when undelivered reproofs were in the air. But Gardner seemed much the more melancholy of the two.

Piles of newspapers lay scattered about the floor of the room in which they sat. Every one of them contained sensational stories of the prodigal's trip, with pictures, incidents and predictions. Monty was pained, humiliated and resentful, but he was honest enough to admit the justification of much that was said of him. He read bits of it here and there and then threw the papers aside hopelessly. In a few weeks they would tell another story, and quite as emphatically.

"The worst of it, Monty, is that you are the next thing to being a poor man," groaned Gardner. "I've done my best to economize for you here at home, as you'll see by these figures, but nothing could possibly balance the extravagances of this voyage. They are simply appalling."

With the condemnation of his friends ringing in his troubled brain, with the sneers of acquaintances to distress his pride, with the jibes of the comic papers to torture him remorselessly, Brewster was fast becoming the most miserable man in New York. Friends of former days gave him the cut direct, clubmen ignored him or scorned him openly, women chilled him with the iciness of unspoken reproof, and all the world was hung with shadows. The doggedness of despair kept him up, but the strain that pulled down on him was so relentless that the struggle was losing its equality. He had not expected such a home-coming.

Compared with his former self, Monty was now almost a physical wreck, haggard, thin and defiant, a shadow of the once debonair young New Yorker, an object of pity and scorn. Ashamed and despairing, he had almost lacked the courage to face Mrs. Gray. The consolation he once gained through her he now denied himself and his suffering, peculiar as it was, was very real. In absolute recklessness he gave dinner after dinner, party after party, all on a most lavish scale, many of his guests laughing at him openly while they enjoyed his hospitality. The real friends remonstrated, pleaded, did everything within their power to check his awful rush to poverty, but without success; he was not to be stopped.

At last the furniture began to go, then the plate, then all the priceless bric-à-brac. Piece by piece it disappeared until the apartments were empty and he had squandered almost all of the $40,350 arising from the sales. The servants were paid off, the apartments relinquished, and he was beginning to know what it meant to be "on his uppers." At the banks he ascertained that the interest on his moneys amounted to $19,140.86. A week before the 23d of September, the whole million was gone, including the amounts won in Lumber and Fuel and other luckless enterprises. He still had about $17,000 of his interest money in the banks, but he had a billion pangs in his heart—the interest on his improvidence.