“Yes.”

“I have been told that insurance agents are very cheeky.”

Walter laughed.

“I don't know about that,” he said. “I haven't been in the business long enough yet. Do you know if any insurance agents have visited Elm Bank lately?”

“No, I don't think so.”

“Perhaps you would like to have your life insured?” said Walter, with a humorous look.

“Can you insure me fifty cents' worth?”

“I am afraid not.”

“Then I must put it off, for that is all the money I have.”

Conversation drifted into other channels, and was kept up till the cars slowed down and the conductor, putting his head in at the door, called out, “Elm Bank.”