"You have not a flattering idea of the Europeans?" she asked.

"Quite to the contrary," Dan assured her.

"Yet you think we are both weak and dishonest, because we use our time to poor advantage and because so many of us find Monte Carlo delightful?" she pressed him.

"Not all Europeans frequent Monte Carlo," Dalzell answered.

"May I ask my new American friend why he should waste his time here?" laughed the Countess.

"I do not believe I have exactly wasted my time," Dan replied. "A naval officer, or any other American, may well spend some of his time here in gaining a better knowledge of human nature. Surely, there is much of human nature to be seen here, even though it be not one of the better sides."

"What is the bad trait, or the vice, that one beholds most at Monte Carlo?" the Countess asked.

"Greed," Dan rejoined promptly.

"And dishonesty?"

"Much of that vice, no doubt," Dan continued. "To-night there must be many a man here who is throwing away money that his family needs, yet he will never tell his wife that he lost his money over a table at Monte Carlo. Again, there must be many a woman here throwing away money in large sums, and she, very likely, will never tell her husband the truth. Let us say that, in both sexes, there are a hundred persons here to-night who will be dishonest toward their life partners afterward. And then, perhaps, many a young bachelor, who, betrothed to some good woman, is learning his first lessons in greed and deceit. And some young girls, too, who are perhaps learning the wrong lessons in life. I know of one very young man here who tried to blow out his brains to-night. For the sake of a few hours, or perhaps a few weeks, over the gaming tables of Monte Carlo, he had thrown away everything that made life worth living. Any man who gambles bids good-by to the finer things of life."