As Walter surveyed the stout, rotund figure of Mr. Fishbach he could not help laughing at the idea of his being delicate.

“You look likely to live,” he was forced to admit. “Still, life is uncertain.”

“You can't scare Louis Fishbach, young man. My father lived till seventy-seven and my mother was seventy-five. My children can take care of themselves when I die, and they can look after the old woman.”

Walter used such other arguments as occurred to him, but his German friend was not to be moved, and he rather despondently put his documents into his pocket and went out into the street.

“I had no idea I should find it so difficult,” he reflected.

Life insurance seemed to him so beneficent, and so necessary a protection for those who would otherwise be unprovided for, that he could not understand how any one who cared for his wife and children could fail to avail himself of its advantages.

After leaving the house of Mr. Fishbach he kept on in the same direction. Being unacquainted in Elm Bank, he had to trust to chance to guide him.

A little distance beyond was an old-fashioned, two-story house.

“Perhaps I had better call,” thought Walter, and he entered the path that led to the side door. He had scarcely taken three steps when he was startled by a scream that seemed to proceed from the interior.

“Help! help!” was the cry that reached him.