"Yes, as far as I can see it's all plain sailing. I'm doing my part, and leave you and Lilla to do the rest. I've met here a very nice young fellow—as I intended—a useful solicitor named Emery, of Manchester. He is carrying the matter through for me. He's agent of the Universal."

"A first-class office."

"Well, I'm insuring with them in Lilla's favour."

"Have you carried out the plan we discussed?"

"To the very letter! Trust me, my dear Bernie."

"I always do, Ena," he declared, gazing across the moonlit sea. They were alone on the seat, and there was none to overhear:

"Ten thousand is a decent sum. Let's hope it will be all over soon. I sometimes have bad quarters of an hour—when I think!" he remarked.

"The sums assured have been higher and higher," she said. "We started with five hundred—you recollect the woman Bayliss?—and now we are always in thousands. Only you, Bernard, know how the game should be played. I do my part, but it is your brain which evolves all this business for which the companies are so eager, and which is so wonderful."

"True, our plan works well," Boyne admitted, still gazing over the sea. "We've all of us made thousands out of it—haven't we?"

"Yes. I can see no loophole by which the truth might leak out—save one," she said very seriously.