"But when I arrived one of the first things Wildred did was to tell me that he knew the Tressidys, with whom Karine was living, that he had heard my sister often speak of me, and that he would secretly arrange a meeting between us. I couldn't resist the temptation of having a few words with her when it was offered for the asking, and I saw her at the House by the Lock. An excuse was made to bring her and Lady Tressidy there–something about a portrait of Karine that was in a queer room called the 'studio'–and while Wildred was showing Lady Tressidy over the house I saw my sister, and had a talk with her. She felt grateful to Wildred for bringing it about, and fool that I was, I didn't suspect the deep game he meant to play with her, using me as the decoy. I thought he had merely been willing to take the trouble that he might get the more work out of me when he wanted it, though what the work was for which he had brought me to England I didn't yet know.
"After that first meeting with Karine I had given Wildred my word never to try and see her again; now I understand why. He wished to revive all the old love she had felt by the sight of me, awaken her sympathy for my troubles, when she should learn his version of them from his lips, and then keep me from her, lest I should hear that he had asked her to be his wife, threatening to betray me if she did not accept, and so, in spite of my cowardice (for I am a moral coward), setting me against him, to be his slave and tool no more.
"When I had been in England about three or four weeks, keeping out of the way of anyone who might possibly remember me, Wildred suggested the scheme of my travelling back to America, impersonating Farnham, and finally finishing the plot, as I did finish it to-night. He admitted that it was for this he had sent for me, but swore Farnham himself was in the thing as deep as he; that it meant a fortune to them both, which they were to share, and which could be had in no other way. He explained that Farnham had had bad luck in speculations, was bankrupt, hadn't the pluck to begin over again on the lowest rounds of the ladder, nor to undertake carrying out this plan himself. He would funk the fire business, Wildred said, and might, instead of escaping, actually be burned to death. The object to be gained, of course, I was made to believe, was getting the life assurance. Farnham was supposed to have several policies, each one for an enormous sum; he had left everything of which he should die possessed, life assurance and all the rest, to Wildred, who would actually go halves with Farnham when the money should be secured.
"I have nothing of my own, you know, except what I can make by my wits, for my father disinherited me, and I've had just a little too much pride ever to take anything from Karine. Wildred offered me ten thousand pounds to work this business for him; half to be paid down, half when the thing had been successfully carried through to the close.
"Of course, I had sense enough to know it was a villainous fraud, but I've never been very scrupulous, and it was easy to persuade myself that I owed Harvey Farnham a good turn for what he did for me in the past. Besides, I wanted the money, and there was five thousand in notes (Wildred was too sly to give a cheque) on the table for me to take or leave. I didn't see that I was going to do much harm to anybody except the insurance companies, who are rich enough to lose, as Farnham hadn't a relative in the world; but before heaven, if I'd dreamed of the truth, I'd have let Wildred do his worst before I'd have gone in with him.
"As for the Santa Anna, I knew that every board of the hotel was assured–the landlord would lose nothing, and after I'd kindled the fire I knocked like mad on your door. I fancy, though you didn't know it, it must have been that which first began to rouse you. I didn't give myself much time to get out, after taking off the disguise (which I flatter myself I did pretty well), but I just managed it. I can tell you I was desperate when I walked in here and found you; but now I was never so thankful for anything in the course of my life."
"The present question is, then," I said, "whether you will go straight to England with me and tell all you know about Carson Wildred? If we stopped on this side, to prove things step by step as we went, we should labour under two disadvantages. It would mean indefinite delay, and you would get into trouble about that business at the hotel to-night. To sail at once for England, and let matters here take care of themselves for the present, is our only plan, I think. What do you say?"
"You are sure that Wildred can't swear my life away?"
"As sure as I am that we are both alive at this moment."
"Then I'm in your hands. I'll save my sister, and I'll get even with Wildred for making a tool and a dupe of me."