"But, my dear fellow," the first voice expostulated, "this was the great West of England non-stop Swallowtail; runs into Town three minutes ahead of time every trip. Habitués of the line often turn an honest penny by laying odds on its punctuality with people who are strangers to the reputation of this flier."

"A pretty safe thing to bet on, eh?" said the other voice. Again there was the faint clink of glass and then the voices drifted into other topics, to which, having re-enveloped myself in my paper, I became oblivious.

A few days later I was called away from London, with Mr. Westaby Jones, to consult in a matter of business. Mr. Westaby Jones is a member of the Stock Exchange and, amongst other trivial failings, he possesses one which is not altogether unknown in his profession. He cannot resist a small wager. On several occasions he has gambled with me and shown himself to be a gentleman of considerable acumen.

Our business was finished and we were on the way back to Town by the great West of England non-stop Swallowtail. We had lunched well and discussed everything there was to discuss. It was a moment for rest. I unfolded my paper and proceeded to envelop myself in the usual way.

I seemed to hear the chink of glasses ... a voice murmured, "A pretty safe thing to bet on."

Then in a dreamy sort of manner I realised that Fate had delivered Westaby Jones into my hands. When we were within twenty miles of London I opened the campaign. I grossly abused the line on which we were travelling and suggested that anybody could make a fortune by assuming that its best train would roll in well after the scheduled time.

Westaby Jones, having privily ascertained that the engine-driver had a minute or so in hand, immediately pinned me down to what he thought (but wisely did not say) were the wild inaccuracies of an imbecile. He did it to the extent of twenty-five pounds, and I sat back with the comfortable feeling of a man who will shortly have a small legacy to expend. At the moment which I had calculated to be most auspicious I suddenly threw off the semblance of boredom, rose up, lurched across the carriage and pulled the communication cord. (For the benefit of those who have not done this I may say that the cord comes away pleasantly in the hand and, at the same time, gives one a piquant feeling of unofficial responsibility.) Westaby Jones was, for a stockbroker, obviously astonished.

"What on earth are you doing?" he exclaimed.

"Sit down," I said; "this is my improved exerciser."

"But you'll stop the train," he shouted.