"No," remarked Bindle, shaking his head with conviction, "I wasn't made for lions, or whales. I suppose I'm a bit of a coward."

"I don't feel brave when there's a raid, Uncle Joe," said Millie Hearty loyally. She had been a silent listener. "And mother isn't either, are you, mums?" she turned to Mrs. Hearty.

"It's my breath," responded Mrs. Hearty, patting her ample bosom. "It gets me here."

"That's because you don't go to chapel, Martha," said Bindle. "If you was to turn up there three times on Sundays you'd be as brave as wot Mr. Gupperduck is. Ain't that so?" he enquired, turning to Mr. Gupperduck.

"You're always sneering at the chapel," broke in Mrs. Bindle, without giving the lodger time to reply. "It doesn't do us any harm, whatever you may think."

"That's jest where you're wrong, Mrs. B.," remarked Bindle, settling himself down for a controversy. "I ain't got nothink to say against the chapel, if they'd only let you set quiet; but it's such an up an' down sort o' life. When you ain't kneelin' down a-askin' to be saved from wot you know you deserves, or kept from doin' wot you're nuts on doin', you're a-standin' up asingin' 'ymns about all sorts of uncomfortable things wot you says you 'opes to find in 'eaven."

"You have a jaundiced view of religion, Mr. Bindle," said Mr. Gupperduck ponderously. "A jaundiced view," he repeated, pleased with the phrase.

"'Ave I really?" enquired Bindle anxiously. "I 'ope it ain't catchin'. No," he continued meditatively, "I wasn't meant for chapels. I seem to be able to think best about 'eaven when I'm settin' smokin' after supper, with Mrs. B. a-bangin' at the stove to remind me that I ain't there yet."

"Wot does me," he continued, "is that I never yet see any of your chapel coves 'appier for all your singin' an' prayin'. Why is it? Look at you three now! If you was goin' to be plucked and trussed to-morrow, you couldn't look more fidgety."

Instinctively each of the three looked at the other two. Mr. Gupperduck shook his head hopelessly.