At about this time there occurred a very severe lake storm, July 18, 1893, doing much damage and it was hoped they would conclude that all had perished during this storm. Certain it is that Miss Williams wrote no more letters to her friends and did not appear publicly in Chicago, if possible to avoid it, in order to carry out this idea, but fortunately for my (our) present safety there are, as I shall show later, several instances when she did appear and in my company.

While she was in Milwaukee, I did what I could to arrange our business affairs so that neither she nor myself should suffer loss, it being impossible for her to make new transfers of a later date or to go to Texas without abandoning the idea of deceiving her friends there regarding her existence.

I was determined, too, as soon as possible, to sever all my relations with her, deeming it unsafe to continue them, and from time to time I encouraged Hatch in his attentions to her, which he was more willing to bestow than she to accept.

Just here it would not be amiss to return to an exciting incident, which lasted some days, in connection with one of my insurance cases.

It happened shortly after the death of my medical friend and former college chum.

The sad announcement of his death—for to me it was a sad one—set me to thinking. I began to seriously consider the chances of my carrying out the plans which my old friend and I had spent so many anxious days and nights in perfecting. The prospect was a good one, and I desired, and finally determined, to carry at least one of them to a conclusion, single-handed and alone. No person was to be in my confidence, and I set to work getting my scheme in order.

Some time previous to this I had, while in Minneapolis, insured my life for $20,000 in favor of my wife. Failure in this one instance, where my friend was concerned, made a desperate man of me. I determined to succeed at any cost. The prospective profits in the work were most alluring. The chance for detection, of course, must be guarded against, and the contingencies of all other serious accidents which might arise, and make exposure certain, had to be taken into consideration.

Upon figuring up what the gross proceeds had been in similar operations, the result showed me that, with the very modest outlay of $3,950, they aggregated $68,700. This work one can easily see was profitable beyond any legitimate work that might be entered into.

The assessments having been paid up on my recent $20,000 policy to and including the month of June, 1887, I thought that it was time to bring this case to a close.

In order to realize the $20,000 before September 1st, I accordingly went to Chicago and had a long conversation with an acquaintance of a year before, who was an assistant at —— Medical College, over certain details of my proposed work.