Billy shook hands, and took a sip out of the case-bottle, by way of clenching the reconciliation. The two then had breakfast together, and, while this meal was in progress, Jones informed his little friend of the nature of the “game” he was engaged in playing out.
“You must know, my lad,” said Mr Jones, “that you and I have been wrecked. We are the only survivors of the brig Skylark, which was run down in a fog by a large three-masted screw steamer on the night of the thirteenth—that’s three nights ago, Billy. The Skylark sank immediately, and every soul on board was lost except you and me, because the steamer, as is too often the case in such accidents, passed on and left us to our fate. You and I was saved by consequence of bein’ smart and gettin’ into this here small boat—which is one o’ the Skylark’s boats—only just in time to save ourselves; but she had only one oar in her, and no mast, or sail, or rudder, as you see, Billy; nevertheless we managed to keep her goin’ with the one oar up to this time, and no doubt,” said Mr Jones with a grin, “we’ll manage to keep her goin’ till we’re picked up and carried safe into port.”
Billy’s eyes had opened very wide and very round as Mr Jones’s description proceeded; gradually, as his surprise increased, his mouth also opened and elongated, but he said never a word, though he breathed hard.
“Now, Billy, my boy,” pursued Mr Jones, “I tell ’ee all this, of course, in strict confidence. The Skylark, you must know, was loaded with a valuable cargo of fine herrings, worth about 200 pounds. There was 780 barrels of ’em, and 800 boxes. The brig was worth 100 pounds, so the whole affair was valued at 300 pounds sterling.”
“You don’t mean to tell me,” said Billy, catching his breath, “that there warn’t never no such a wessel as the Skylark?”
“Never that I know of,” replied Jones with a smile, “except in my brain, and on the books o’ several insurance companies.”
Billy’s eyes and mouth grew visibly rounder, but he said nothing more, and Mr Jones, renewing his quid, went on—
“Well, my lad, before this here Skylark left the port of London for Cherbourg, I insured her in no fewer than five insurance Companies. You’ll understand that that ain’t regular, my boy, but at each office I said that the vessel was not insured in any other, and they believed me. You must know that a good deal of business is done by these Companies in good faith, which gives a chance to smart fellows like me and you to turn an honest penny, d’ye see? They are pretty soft, luckily.”
Mr Jones happened to be mistaken in this opinion, as the sequel will show, but Billy believed him at the time, and wondered that they were “so green.”
“Yes,” continued Jones, counting on his fingers, “I’m in for 300 pounds with the Advance Company, and 300 pounds with the Tied Harbours Company, and 225 pounds with the Home and Abroad Company, and 200 pounds with the Submarine Company, and 300 pounds with the Friend-in-need Company—the whole makin’ a snug little sum of 1325 pounds. ‘In for a penny, in for a pound,’ is my motto, you see; so, lad, you and I shall make our fortunes, if all goes well, and you only continue game and clever.”