"Captain Bruce has called twice to see you. And since meeting him I am more skeptical than ever about your conspiracy story, Dan."

"Captain Bruce been here? So you like him, too, do you?" exclaimed Dan. "Were all hands saved from the wreck?"

"They got away from the ship in their boats at daylight," answered Mrs. Frazier. "Captain Bruce had some ribs broken by being dashed against the side, and two boats were swamped. But they reached the keys with all hands and were picked up a day later by a sponger and brought down the Hawk Channel to Key West. Captain Bruce was broken-hearted over losing you, and when he heard you were still alive he insisted on leaving the hospital and coming up here, broken ribs and all. He seems very moody and depressed. I suppose he is unhappy about losing his ship."

"He is thinking about several things, I reckon," said Dan. "That ship has made everybody unhappy. She is loaded with trouble. Captain Bruce is sorry he ever clapped eyes on Jerry Pringle for one thing. And he hates himself even worse for not sticking to his vessel. And he quit her and left me on board to come through the gale all right with the ship still under me. What is he planning to do now?"

"Wait, and take the Kenilworth again if she is floated," replied Mrs. Frazier. "He is going up to the Reef as soon as the doctor will let him."

She walked to the end of the porch and brushed aside the tangle of vines which partly screened her view of the street. Then she turned and said to Dan:

"Here comes Mr. Prentice and I think he intends to call here. What a very stiff and formal looking person he is!"

The underwriters' agent opened the gate with a courtly bow to Mrs. Frazier. His greetings were most polite, but he lost no time in coming to the point. Mrs. Frazier was about to withdraw, but Dan spoke up sharply:

"If it's about the Kenilworth, Mr. Prentice, I want my mother to stay. I keep no secrets from her."

Mr. Prentice bowed gravely and seated himself facing Dan, who could not help feeling that this elderly gentleman was unfriendly to him. The underwriters' agent opened fire without further warning: