She nodded down for 'Yes.'

'No saddle?'

She nodded level for 'No.'

My respect for her returned. But she could not swim.

'Only up to my knees,' she confessed.

'Have a look at me,' said I; and I stripped and shot into the water, happy as a fish, and thinking how much nicer it was than champagne. My enjoyment made her so envious that she plucked off her stockings, and came in as far as she dared. I called to her. 'You're like a cow,' and she showed her teeth, bidding me not say that.

'A cow! a cow !' I repeated, in my superior pleasure.

She spun out in a breath, ' If you say that, I 'll run away with every bit of your clothes, and you'll come out and run about naked, you will.'

'Now I float,' was my answer, 'now I dive'; and when I came up she welcomed me with a big bright grin.

A smart run in the heat dried me. I dressed, finding half my money on the grass. She asked me to give her one of those bits-a shilling. I gave her two, upon which she asked me, invitingly, if ever I tossed. I replied that I never tossed for money; but she had caught a shilling, and I could not resist guessing 'heads,' and won; the same with her second shilling. She handed them to me sullenly, sobbing, yet she would not take them back.