1. I DO NOT SMOKE.

2. I LAY BY A THIRD OF MY INCOME.

3. I NEVER RIDE WHEN I CAN WALK."

Beneath these precepts appeared the lithographed signature of an eminent philanthropist, but it seemed reasonable to assume that they also formed the guiding maxims of Mr. Simon Rattar.

His visitor politely apologised for his question.

"I had not noticed this warning," said he.

"Smoke if you like. My clients sometimes do. I don't myself," said the lawyer.

His visitor thanked him, placed a cigarette in his amber holder, lit it, and let his eyes follow the smoke upwards.

Mr. Rattar, on his part, seemed in his closest, most taciturn humour. His grunt and his nod had, in fact, seldom formed a greater proportion of his conversation. He made no further comment at all now, but waited in silence for his visitor to proceed.