“Mr Berrington, you have been the means of saving our lives. It would be ungrateful in me to refuse you any favour that I can, with propriety, grant.”

“I am aware,” continued Edgar, “that you have—have—met with losses. That your circumstances are changed—”

Mr Hazlit coloured and drew himself proudly up.

“Be not offended, my dear sir,” continued the youth earnestly; “I do not intrude on private matters—I would not dare to do so. I only speak of what I saw in English newspapers in Hong-Kong just before I left, and therefore refer to what is generally known to all. And while I sincerely deplore what I know, I would not presume to touch on it at all were I not certain that the pirates must have robbed you of all you possess, and that you must of necessity be in want of present funds. I also know that some of a man’s so-called ‘friends’ are apt to fall off and fail him in the time of financial difficulty. Now, the favour I ask is that you will consider me—as indeed I am—one of your true friends, and accept of a loan of two or three hundred pounds—”

“Impossible, sir,—im— it is very kind of you—very, Mr Berrington—but, impossible,” said Mr Hazlit, struggling between kindly feeling and hurt dignity.

“Nay, but,” pleaded Edgar, “I only offer you a loan. Besides, I want to benefit myself,” he added, with a smile. “The fact is, I have made a little money in a diving venture, which I and some others undertook to these seas, and I receive no interest for it just now. If you would accept of a few hundreds—what you require for present necessities—you may have them at three or five per cent. I would ask more, but that, you know, would be usurious!”

Still the fallen merchant remained immovable. He acknowledged Edgar’s pleasantry about interest with a smile, but would by no means accept of a single penny from him in any form.

Edgar had set his heart upon two things that morning, and had prayed, not for success, but, for guidance in regard to them.

In the first he had failed—apparently. Not much depressed, and nothing daunted, he tried the second.

“Captain,” he said, pacing up and down by the side of that black-bearded, black-eyed, and powerful pirate-killer, “what say you to run back to the spot where you sank the pirates, and attempt to fish up some of the treasure with our diving apparatus?”