“Seems to have been a good risk,” commented Nick, as he handed the application to the president.

“One of the best we ever had at that age,” was the reply.

“His premiums must have been very large?”

“They were. In the two years he has paid to the five companies more than sixty thousand dollars.”

Nick arose to go.

“You will hear from me, Mr. President, within a few days,” he said.

“Then you think there will be little trouble in showing fraud of some kind in this case?”

“Oh, I did not intend to convey that idea. If there be fraud, it ought to be proven in a very short time. If everything is legitimate, then the fact must also be readily established. Therefore, I anticipate a speedy report, but whether it will be favorable to your interests or not, I cannot promise until I have first gone to Elmwood.”

On their way uptown, Nick said to Miss Templin:

“Did this Dr. Greene own his sanitarium at Oakland when Mr. Templin was a patient at that place?”