TAKE MY WORD FOR IT, YOU'RE STAKING YOUR MONEY ON THE WRONG FELLAH.

'Oh, but you don't catch on. You mistake. Let me explain. You're backing the othah man. Now, I happen to know about that: and I assuah you, it's an error. Take my word for it, you're staking your money on the wrong fellah.'

'I do not understand you,' I replied, drawing away from his approach. 'And what is more, I may add, you could never understand me.'

'Yaas, but I do. I understand perfectly. I can see where you go wrong. You drew up Marmy's will; and you think Marmy has left all he's worth to Harold Tillington; so you're putting every penny you've got on Harold. Well, that's mere moonshine. Harold may think it's all right; but it's not all right. There's many a slip 'twixt the cup and the Probate Court. Listen heah, Miss Cayley: Higginson and I are a jolly sight sharpah than your friend Harold. Harold's what they call a clevah fellah in society, and I'm what they call a fool; but I know bettah than Harold which side of my bread's buttahed.'

'I don't doubt it,' I answered.

'Well, I have managed this business. I don't mind telling you now, I had a telegram from Marmy's valet when we touched at Aden; and poor old Marmy's sinking. Habakkuk's been too much for him. Sixteen stone going under. Why am I not with him? yah may ask. Because, when a man of Marmy's temperament is dying, it's safah to be away from him. There's plenty of time for Marmy to altah his will yet—and there are othah contingencies. Still, Harold's quite out of it. You take my word for it; if you back Harold, you back a man who's not going to get anything; while if you back me, you back the winnah, with a coronet into the bargain.' And he smiled fatuously.

I looked at him with a look that would have made a wiser man wince. But it fell flat on Lord Southminster. 'Do you know why I do not rise and go down to my cabin at once?' I said, slowly. 'Because, if I did, somebody as I passed might see my burning cheeks—cheeks flushed with shame at your insulting proposal—and might guess that you had asked me, and that I had refused you. And I should shrink from the disgrace of anyone's knowing that you had put such a humiliation upon me. You have been frank with me—after your kind, Lord Southminster; frank with the frankness of a low and purely commercial nature. I will be frank with you in turn. You are right in supposing that I love Harold Tillington—a man whose name I hate to mention in your presence. But you are wrong in supposing that the disposition of Mr. Marmaduke Ashurst's money has or can have anything to do with the feelings I entertain towards him. I would marry him all the sooner if he were poor and penniless. You cannot understand that state of mind, of course: but you must be content to accept it. And I would not marry you if there were no other man left in the world to marry. I should as soon think of marrying a lump of dough.' I faced him all crimson. 'Is that plain enough? Do you see now that I really mean it?'

He gazed at me with a curious look, and twirled what he considered his moustache once more, quite airily. The man was imperturbable—a pachydermatous imbecile. 'You're all wrong, yah know,' he said, after a long pause, during which he had regarded me through his eye-glass as if I were a specimen of some rare new species. 'You're all wrong, and yah won't believe me. But I tell yah, I know what I'm talking about. You think it's quite safe about Marmy's money—that he's left it to Harold, because you drew the will up. I assuah you that will's not worth the paper it's written on. You fancy Harold's a hot favourite: he's a rank outsidah. I give you a chance, and you won't take it. I want yah because you're a remarkable woman. Most of the Ethels cry when they're trying to make a fellah propose to 'em; and I don't like 'em damp: but you have some go about yah. You insist upon backing the wrong man. But you'll find your mistake out yet.' A bright idea struck him. 'I say—why don't you hedge? Leave it open till Marmy's gone, and then marry the winnah?'