"I am afraid," he said, "that that is hardly likely to occur. The fact of my being a townsman instead of a drunken boatman doesn't give your legend a fair chance!"

Less than an hour afterwards he was having his bath before dressing for dinner. The water was deliciously hot, and the room was full of steam. As he lay in the bath a drowsiness stole over him. Enjoying the keen physical pleasure of it, he thought what a wholly delightful thing was a hot bath after a day's hard hunting. His mind, bordering on sleep, dwelt lazily on hot baths in general. And then with a startling suddenness came the thought that, before now, men had been drowned in their baths!

With a shock he realised that he had almost fallen asleep. He tried to rouse himself, but a faintness had seized him. That steam—he could not breathe! He was certain he was going to faint.

With a desperate effort of the will he hurled himself out of the bath and threw open the window.

It must have been the bath episode that first aroused the sensation of positive fear in Cargill. For it was almost a month later when he surprised the secretary of that swimming club of which he was the main pillar by his refusal to take part in any events for the coming season.

He was beginning to take precautions.

Late one night, when taxi-cabs were scarce, he found that his quickest way to reach home would be by means of one of the tubes. He was in the descending lift when he suddenly remembered that that particular tube ran beneath the river. Suppose an accident should occur—a leakage! After all such a thing was within the bounds of possibility. Instantly there rose before him the vision of a black torrent roaring through the tunnel.

Without waiting for the lift to ascend he rushed to the staircase, and sweating with terror gained the street and bribed a loafer to find him a cab.

He made an effort to take himself seriously in hand after that. More than one acquaintance had lately told him that he was looking "nervy." In the last few weeks his sane and normal self seemed to have shrunk within him. But it was still capable of asserting itself under favourable conditions. It would talk aloud to the rest of him as if to a separate individual.

"Look here, old man, this superstitious nonsense is becoming an obsession to you," it said one fine April morning. "Yes, I mean what I say—an obsession! You must pull yourself together or you'll go stark mad, and then you'll probably go and throw yourself over the Embankment. That legend is all bosh! You're in the twentieth century, and you're not a drunken fisherman——"