"Thank ye, guv'nor," said the duke. "I could do with a shirt."

Tommy disappeared into the house, returning a moment later with the garment and a bottle of whisky.

"Take this too," he said; "it'll keep the cold out."

I groped in my pocket and produced a sovereign.

"Here you are," I added, handing it to our guest. "I'll row you ashore."

We got back into the boat, the duke hugging his whisky and his shirt; and steering a course a little upstream, I pulled him over to the opposite bank. Tommy and Mortimer stood on the island waving us farewell.

When we reached our destination, I stood up and offered him my hand.

"Good-bye, old friend," I said. "Thank you for winning my bet."

Very slowly he withdrew a hand from his pocket, and with a sideways glance at the island opened it so that I could see its contents.

"I'd never 'ave done it, guv'nor," he said hoarsely, "if it 'adn't 'a' bin for these 'ere wire-nippers."