"To the contrary, I was hoping you were less unhappy."

"Oh! Then you are—?"

Kirkwood lifted the cable message from the mantel. "I have just heard from my partner at home," he said with a faint smile; and quoted: "'Everything gone; no insurance.'"

Mr. Calendar pursed his plump lips, whistling inaudibly. "Too bad, too bad!" he murmured sympathetically. "We're all hard hit, more or less." He lapsed into dejected apathy, from which Kirkwood, growing at length impatient, found it necessary to rouse him.

"You wished to see me about something else, I'm sure?"

Mr. Calendar started from his reverie. "Eh? ... I was dreaming. I beg pardon. It seems hard to realize, Mr. Kirkwood, that this awful catastrophe has overtaken our beloved metropolis—"

The canting phrases wearied Kirkwood; abruptly he cut in. "Would a sovereign help you out, Mr. Calendar? I don't mind telling you that's about the limit of my present resources."

"Pardon me." Mr. Calendar's moon-like countenance darkened; he assumed a transparent dignity. "You misconstrue my motive, sir."

"Then I'm sorry."

"I am not here to borrow. On the other hand, quite by accident I discovered your name upon the register, down-stairs; a good old Frisco name, if you will permit me to say so. I thought to myself that here was a chance to help a fellow-countryman." Calendar paused, interrogative; Kirkwood remained interested but silent. "If a passage across would help you, I—I think it might be arranged," stammered Calendar, ill at ease.