"No," remarked Bindle with solemn conviction as he rose and took his cap from behind the door. "You ain't the sort o' woman wot's lorst, Mrs. B., you're one o' them wot's found, like the little lamb that Ole Woe-and-Whiskers talked about when I went to chapel with you that night. S'long."

The news about Mr. Hearty's third venture in the greengrocery trade occupied Bindle's mind to the exclusion of all else as he walked in the direction of Chelsea to call upon Dr. Richard Little, whom he had met in connection with the Temperance Fête fiasco at Barton Bridge. He winked at only three girls and passed two remarks to carmen, and one to a bus-conductor, who was holding on rather unnecessarily to the arm of a pretty girl.

He found Dick Little at home and with him his brother Tom, and "Guggers," now a captain in the Gordons.

"Hullo! Here's J.B., gug-gug-good," cried Guggers, hurling his fourteen stone towards the diminutive visitor.

"Blessed if it ain't ole Spit-and-Speak in petticoats," cried Bindle. "I'm glad to see you, sir, that I am," and he shook Guggers warmly by the hand.

Guggers, as he was known at Oxford on account of his inability to pronounce a "G" without a preliminary "gug-gug," had taken a prominent part in the Oxford rag, when Bindle posed as the millionaire uncle of an unpopular undergraduate.

Bindle had christened him Spit-and-Speak owing to Gugger's habit of salivating his words.

When the men were seated, and Bindle was puffing furiously at a big cigar, he explained the cause of his visit.

"I ain't 'appy, sir," he said to Dick Little, "and although the 'ymn says ''ere we suffer grief an' woe,' it don't say we got to suffer grief an' woe an' 'Earty, altogether."

"What's up, J.B.?" enquired Dick Little.