"You don't know who my girl is, Art Kipps—I bet."

"Who is, then?" asked Kipps, still chiefly occupied by his own poverty.

"Ah!"

Kipps let a moment elapse before he did his duty. "Tell us!"

Sid eyed him and hesitated. "Secret?" he said.

"Secret."

"Dying solemn?"

"Dying solemn!" Kipps' self-concentration passed into curiosity.

Sid administered a terrible oath. Even after that precaution he adhered lovingly to his facts. "It begins with a Nem," he said, doling them out parsimoniously. "M A U D," he spelt, with a stern eye on Kipps, "C H A R T E R I S."

Now, Maud Charteris was a young person of eighteen and the daughter of the vicar of St. Bavon's,—besides which she had a bicycle,—so that as her name unfolded the face of Kipps lengthened with respect. "Get out!" he gasped incredulously. "She ain't your girl, Sid Pornick."