and the chap who can work me for a sucker is entitled to all he can make. But this pay-as-you-go business is too slow and troublesome. What'll you take for the rest of the grub in the locker there, spot cash? Be white, and make a fair price.'

"I'd been expectin' somethin' like this, and I was ready for him.

"'Two hundred and sixty-five dollars,' says I, prompt.

"He done a little figgerin'. 'Well, allowin' that I have to put up on this heap of desolation for the better part of four days more, that's cheap, accordin' to your former rates,' he says. 'I'll go you. But why not make it two fifty, even?'

"'Two hundred and sixty-five's my price,' says I. So he handed over another 'Bearer' check, and his board bill was paid for a week.

"Friday was a fine day, clear as a bell. Me and Williams had a real picnicky, sociable time. Livin' outdoor this way had made him forget his diseases and the doctor, and he showed signs of bein' ha'fway decent. We loafed around and talked and dug clams to help out the pork—that is, I dug 'em and Fatty superintended. We see no less'n three sailin' craft go by down the bay and tried our best to signal 'em, but they didn't pay attention—thought we was gunners or somethin', I presume likely.

"At breakfast on Saturday, Williams begun to ask questions again.

"'Sol,' says he, 'it surprised me to find that you knew what a "margin" was. You didn't get that from anything I said. Where did you get it?'

"I leaned back on my box seat.

"'Mr. Williams,' says I, 'I cal'late I'll tell you a little story, if you want to hear it. 'Tain't much of a yarn, as yarns go, but maybe it'll interest you. The start of it goes back to consider'ble many year ago, when I was poorer'n I be now, and a mighty sight younger. At that time me and another feller, a partner of mine, had a fish weir out in the bay here. The mackerel struck in and we done well, unusual well. At the end of the season, not countin' what we'd spent for livin' and expenses, we had a balance owin' us at our fish dealer's up to Boston of five hundred dollars—two fifty apiece. My partner was goin' to be married in the spring and was cal'latin' to use his share to buy furniture for the new house with. So we decided we'd take a trip up to Boston and collect the money, stick it into some savin's bank where 'twould draw interest until spring and then haul it out and use it. 'Twas about every cent we had in the world.

"'So to Boston we went, collected our money, got the address of a safe bank and started out to find it. But on the way my partner's hat blowed off and the bank address, which was on a slip of paper inside of it, got lost. So we see a sign on a buildin', along with a lot of others, that kind of suggested bankin', and so we stepped into the buildin' and went upstairs to ask the way again.

"'The place wa'n't very big, but 'twas fixed up fancy and there was a kind of blackboard along the end of the room where a boy was markin' up figgers in chalk. A nice, smilin' lookin' man met us and, when we told him what we wanted, he asked us to set down. Then, afore we knowed it almost, we'd told him the whole story—about the five hundred and all. The feller said to hold on a spell and he'd go along with us and show us where the savin's bank was himself.

"'So we waited and all the time the figgers kept goin' up on the board, under signs of "Pork" and "Wheat" and "Cotton" and such, and we'd hear how so and so's account was makin' a thousand a day, and the like of that. After a while the nice man, who it turned out was one of the bosses of the concern, told us what it meant. Seemed there was a big "rise" in the market and them that bought now was bound to get rich quick. Consequent we said we wished we could buy and get rich, too. And the smilin' chap says, "Let's go have some lunch."'

"Williams laughed. 'Ho, ho!' says he. 'Expensive lunch, was it?'

"'Most extravagant meal of vittles ever I got away with,' I says. 'Cost me and my partner two hundred and fifty apiece, that lunch did. We stayed in Boston two days, and on the afternoon of the second day we was on our way back totin' a couple of neat but expensive slips of paper signifyin' that we'd bought December and May wheat on a one per cent margin. We was a hundred ahead already, 'cordin' to the blackboard, and was figgerin' what sort of palaces we'd build when we cashed in.'

"'Ain't no use preachin' a long sermon over the remains. 'Twas a simple funeral and nobody sent flowers. Inside of a month we was cleaned out and the wheat place had gone out of business—failed, busted, you understand. Our fish dealer friend asked some questions, and found out the shebang wa'n't a real stock dealer's at all. 'Twas what they call a "bucket shop," and we'd bought nothin' but air, and paid a commission for buyin' it. And the smilin', nice man that run the swindle had been hangin' on the edge of bust for a long while and knowed 'twas comin'. Our five hundred had helped pay his way to a healthier climate, that's all.'

"'Hold on a minute,' says Fatty, lookin' more interested. 'What was the name of the firm that took you greenhorns in?'

"''Twas the Empire Bond, Stock and Grain Exchange,' says I. 'And 'twas on Derbyshire Street.'

"He give a little jump. Then he says, slow, Hu-u-m! I—see.'

"'Yes,' says I. 'I thought you would. You had a mustache then and your name was diff'rent, but you seemed familiar just the same. When your false hair got washed off I knew you right away.'

"He took out his pocket pen and his check book and done a little figgerin'.

"'Humph!' he says, again. 'You lost five hundred and I've paid you five hundred and five. What's the five for?'

"'That's my commission on the sales,' I says.

"And just then comes a hail from outside the shanty. Out we bolted and there was Sam Davis, just steppin' ashore from his power boat. Williams's housekeeper had strained a p'int and had shaded her orders by a couple of days.

"Williams and Sam started for home right off. I followed in the Shootin' Star, havin' borrered gasoline enough for the run. I reached the dock ha'f an hour after they did, and there was Fatty waitin' for me.

"'Berry,' says he, 'I've got a word or two to say to you. I ain't kickin' at your givin' me tit for tat, or tryin' to. Turn about's fair play, if you can call the turn. But it's against my principles to allow anybody to beat me on a business deal. Do you suppose,' he says, 'that I'd have paid your robber's prices without a word if I hadn't had somethin' up my sleeve? Why, man,' says he, 'I gave you my CHECKS, not cash. And I've just telephoned to the Wellmouth Bank to stop payment on those checks. They're no earthly use to you; see? There's one or two things about high finance that you don't know even yet. Ho, ho!'

"And he rocked back and forth on his heels and laughed.

"I held up my hand. 'Wait a jiffy, Mr. Williams,' says I. 'I guess these checks are all right. When we fust landed on Woodchuck, I judged by the looks of the shanty that Baker hadn't left it for good. I cal'lated he'd be back. And sure enough he come back, in his catboat, on Thursday evenin', after you'd turned in. Them checks was payable to "Bearer," you remember, so I give 'em to him. He was to cash 'em in the fust thing Friday mornin', and I guess you'll find he's done it.'"

"Well, I swan to MAN!" interrupted the astonished and delighted Phinney. "So you had him after all! And I was scart you'd lost every cent."

Captain Sol chuckled. "Yes," he went on, "I had him, and his eyes and mouth opened together.

"'WHAT?' he bellers. 'Do you mean to say that a boat stopped at that dummed island and DIDN'T TAKE US OFF?'

"'Oh,' says I, 'Darius didn't feel called on to take you off, not after I told him who you was. You see, Mr. Williams,' I says, 'Darius Baker was my partner in that wheat speculation I was tellin' you about.'"

The Captain drew a long breath and re-lit his cigar, which had gone out. His friend pounded the settee