"Have you reached a settlement, Mr. Meyer? Will the insurance be paid?"

"No," roared the underwriter, in the ear of the puzzled old gentleman; while he slapped him vigorously on the back; "it will not be paid. You or I must have been ruined, Mr. Selfridge, and it has settled on you. I do not pay der Titan's insurance—nor will der other insurers. On der contrary, as der collision clause in der policy is void with der rest, your company must reimburse me for der insurance which I must pay to der Royal Age owners—that is, unless our good friend here, Mr. Rowland, who was on der lookout at der time, will swear that her lights were out."

"Not at all," said Rowland. "Her lights were burning—look to the old gentleman," he exclaimed. "Look out for him. Catch him!"

Mr. Selfridge was stumbling toward a chair. He grasped it, loosened his hold, and before anyone could reach him, fell to the floor, where he lay, with ashen lips and rolling eyes, gasping convulsively.

"Heart failure," said Rowland, as he knelt by his side. "Send for a doctor."

"Send for a doctor," repeated Mr. Meyer through the door to his clerks; "and send for a carriage, quick. I don't want him to die in der office."

Captain Barry lifted the helpless figure to a couch, and they watched, while the convulsions grew easier, the breath shorter, and the lips from ashen gray to blue. Before a doctor or carriage had come, he had passed away.

"Sudden emotion of some kind," said the doctor when he did arrive. "Violent emotion, too. Hear bad news?"

"Bad and good," answered the underwriter. "Good, in learning that this dear little girl was his granddaughter—bad, in learning that he was a ruined man. He was der heaviest stockholder in der Titan. One hundred thousand pounds, he owned, of der stock, all of which this poor, dear little child will not get." Mr. Meyer looked sorrowful, as he patted Myra on the head.

Captain Barry beckoned to Rowland, who, slightly flushed, was standing by the still figure on the couch and watching the face of Mr. Meyer, on which annoyance, jubilation, and simulated shock could be seen in turn.