"Well, I'm with you!" exclaimed Ned. "Hello! here's some one looking for you, I guess," he added, as a boy came hurrying down to the dock from the temporary office Tom had set up there.

"You're wanted on the telephone, Mr. Swift," said the messenger. "It's important, too."

"All right. I'll come at once," was the answer. "Hope it isn't bad news," mused Ned, as his chum hurried on in advance. "Maybe Hardley has found out he hasn't a right to search for that sunken gold after all. That would be too bad for Mr. Damon!"

CHAPTER VI

MARY'S ODD STORY

"Hello! Hello! Yes, this is Tom Swift. What's that? You've had an accident? Great Scott, Mary! I hope you aren't hurt."

Ned overheard these words as he stood outside the temporary office, from inside which Tom Swift was telephoning.

"There's been an accident!" thought the financial manager. "I wonder if I can help?"

He was about to hurry in to offer his services when he heard Tom laugh, and then he knew it was all right. He heard his chum say: