“Oh! I see. In other words, you have a pretty high opinion of your own powers.”

“Possibly I have,” returned the youth, somewhat sharply. “I lay claim to no exemption from the universal law of vanity which seems to affect the entire human race—especially the cynical part of it. At the same time, knowing from long experience that I am physically stronger, can swim better, and have greater power of endurance, though not greater courage, than my friend, it would be mere pretence were I to assume that in such matters I was his inferior. You asked me why I prevented him: I gave you the reason exactly and straightforwardly. I now repeat it.”

“Don’t be so ready to fire up, young man,” said Crossley, with a deprecating smile. “I had no intention of hurting your feelings.”

“You have not hurt them, sir,” returned Charlie, with almost provoking urbanity of manner and sweetness of voice, “you have only misunderstood me.”

“Well, well, let it pass. Tell me, now, can I do anything for you?”

“Nothing, thank you.”

“Eh?” exclaimed the old gentleman in surprise.

“Nothing, thank you,” repeated his visitor. “I did not save you for the purpose of being rewarded, and I refuse to accept reward for saving you.”

For a second or two Mr Crossley regarded his visitor in silence, with a conflicting mixture of frown and smile—a sort of acidulated-drop expression on his rugged face. Then he asked—

“What is the name of this friend whom you prevented from swimming off to us?”