“You'll find out if I give you a lickin'!” growled the other, handling the stick which he carried in a suggestive manner.

Walter was inclined to retort in kind, but all at once it struck him as foolish to get into a quarrel about a girl whom he had known less than an hour.

“If it will make you feel any better,” he said, “I'll tell you that I got acquainted with Miss Gilbert in the cars this afternoon. I never met her before, and, as I live in Chicago, I don't suppose I shall ever meet her again.”

The young man's face cleared up.

“Come, that's honest,” he said. “I thought you wanted to cut me out.”

“If Miss Gilbert likes you I shan't interfere,” said Walter. “Now I'm going to talk business. I would like to insure your life.”

“What's that? You ain't a doctor, be you?”

“No.”

Walter proceeded to explain in as simple terms as he could command the object and methods of life insurance.

The young man scratched his head.