"Anything wrong, sir?" asked the dirty clerk.

"The Lively Poll," gasped Mr Black, "is at the bottom of the sea!"

"She's in a lively position, then," thought the dirty clerk, who cared no more for the Lively Poll than he did for her part-owner; but he only replied, "O dear!" with a solemn look of hypocritical sympathy.

Mr Black seized his hat, rushed out of his office, and paid a sudden visit to his neighbour, Mr Walter Wilkins, senior. That gentleman was in the act of running his eye over his newspaper. He was a wealthy merchant. Turning on his visitor a bland, kindly countenance, he bade him good-morning.

"I do hope—excuse me, my dear sir," said Mr Black excitedly, "I do hope you will see your way to grant me the accommodation I ventured to ask for yesterday. My business is in such a state that this disaster to the Lively Poll—"

"The Lively Poll!" exclaimed Mr Wilkins, with a start.

"Oh, I beg pardon," said Mr Black, with a confused look, for his seared conscience became slightly sensitive at that moment. "I suppose you have not yet seen it (he pointed to the paragraph); but, excuse me, I cannot understand how you came to know that your son was on board— pardon me—"

Mr Wilkins had laid his face in his hands, and groaned aloud, then looking up suddenly, said, "I did not certainly know that my dear boy was on board, but I had too good reason to suspect it, for he had been talking much of the vessel, and disappeared on the day she sailed, and now this message from—"

He rose hastily and put on his greatcoat.

"Excuse me, my dear sir," urged Mr Black; "at such a time it may seem selfish to press you on business affairs, but this is a matter of life and death to me—"

"It is a matter of death to me," interrupted the other in a low tone, "but I grant your request. My clerk will arrange it with you."

He left the office abruptly, with a bowed head, and Mr Black having arranged matters to his satisfaction with the clerk, left it soon after, with a sigh of relief. He cared no more for Mr Wilkins's grief than did the dirty clerk for his master's troubles.

Returning to his dirty office, Mr Black then proceeded to do a stroke of very dingy business.

That morning, through some mysterious agency, he had learned that there were rumours of an unfavourable kind in reference to a certain bank in the city, which, for convenience, we shall name the Blankow Bank. Now, it so happened that Mr Black was intimately acquainted with one of the directors of that bank, in whom, as well as in the bank itself, he had the most implicit confidence. Mr Black happened to have a female relative in the city named Mrs Niven—the same Mrs Niven who had been landlady to Philosopher Jack. It was one of the root-principles of Mr Black's business character that he should make hay while the sun shone. He knew that Mrs Niven owned stock in the Blankow Bank; he knew that the Bank paid its shareholders a very handsome dividend, and he was aware that, owing to the unfavourable rumours then current, the value of the stock would fall very considerably. That, therefore, was the time for knowing men like Mr Black, who believed in the soundness of the bank, to buy. Accordingly he wrote a letter to Mrs Niven, advising her to sell her shares, and offering to transact the business for her, but he omitted to mention that he meant to buy them up himself. He added a postscript on the back, telling of the loss of the Lively Poll.

Mrs Niven was a kind-hearted woman, as the reader knows; moreover, she was a trusting soul.

"Very kind o' Maister Black," she observed to Peggy, her maid-of-all-work, on reading the letter. "The Blankow Bank gi'es a high dividend, nae doot, but I'm well enough off, and hae nae need to risk my siller for the sake o' a pund or twa mair income i' the year. Fetch me the ink, Peggy."

A letter was quickly written, in which worthy Mrs Niven agreed to her relative's proposal, and thanked him for the interest he took in her affairs. Having despatched Peggy with it to the post, she re-read Mr Black's epistle, and in doing so observed the postscript, which, being on the fourth page, had escaped her on the first perusal.

"Hoots!" said she, "that's stipid. I didna notice the PS." Reading in a low tone, and commenting parenthetically, she continued, "'By the way, did not one of your lodgers, a student, sail in the Lively Poll, (Atweel did he; he telt me, though he telt naebody else, an' gaed muckle again' my wull) as a common sailor?' (Common indeed! na, na, he was an uncommon sailor, if he was onything.) 'If so, you'll be sorry to learn that the Lively Poll is lost, and all her crew and passengers have per—'"

Instead of reading "perished" poor Mrs Niven finished the sentence with a shriek, and fell flat on the floor, where she was found soon after, and with difficulty restored to consciousness by the horrified Peggy.

That same morning, in his lowly cottage on the Scottish border, Mr John Jack opened a newspaper at the breakfast-table. Besides Mrs Jack there sat at the table four olive branches—two daughters and two sons—the youngest of whom, named Dobbin, was peculiarly noticeable as being up to the eyes in treacle, Dobbin's chief earthly joy being "treacle pieces."

Mr Jack's eye soon fell on the message from the sea. Of course he knew nothing of the writer, but recognised the name of the vessel as being that in which his son had sailed for the Southern Seas, for our hero had written to tell of his departure, although he had not asked or waited for advice. Mr Jack was a man of strong nerve. Rising quietly from the table, he left the room, but his wife noticed the expression of his face, and followed him into their bedroom.

"What's wrang, John?"

The poor man turned abruptly, drew his wife to him, and pressed her head on his breast.

"O Maggie!" he said, in a low husky voice, "'the Lord gave, and the Lord hath taken away,' can you finish the sentence?"

"Ay, 'blessed be the name o' the Lord,'" said Mrs Jack in a tremulous voice; "but what—"

"Listen," said her husband, and he read out the fatal message.

"It canna be—oh! it canna be—that my Teddie is gone," said the stricken mother, clasping her hands; "I canna, I winna believe it. Are ye sure that was the ship's name?"

"Yes, too sure," answered her husband. "I've mislaid the dear boy's letter, but I'll go and see Mrs Niven. He mentioned it, I know, to her."

There was yet another house in Scotland into which the message carried profound grief; namely, that of Bailie Trench. Need we say that the supposed loss of an only son was a crushing blow, rendered all the more terrible by the thought that death had been met so suddenly in a voyage which had been undertaken in search of health?

But we will spare the reader further details, and return once more to the Coral Island, where we left the castaways making themselves as comfortable as the nature of the place would admit of.

And, truth to tell, there are many people in civilised lands much less comfortably situated than were these same castaways.

The weather, as O'Rook said, "was splendacious, almost equal to that of ould Ireland." Cocoa-nuts and other fruits were abundant. The lagoon swarmed with fish, including sharks, which rendered fishing an excitingly dangerous, as well as enjoyable, pastime. Polly Samson found gardens of coral and seaweed in crystal pools, which she could gaze at and admire for hours, though she could not walk in them. But she could, and did, sympathise with the little fish of varied size and colour which darted about in these water gardens, and Philosopher Jack found in them an inexhaustible theme for discourse to the teachable and inquisitive Baldwin Burr. The captain found enough of employment in directing and planning generally for the whole party. Cutting firewood, gathering nuts and wild fruit, fell to the lot of Bob Corkey; and Simon O'Rook slid naturally into the office of cook. The remainder of the men were employed at various jobs, according to circumstances.

Watty Wilkins was a passionate fisher. He divided his time between the lagoon and the couch of his sick friend Bell Trench, who soon began to improve on rest, sunshine, and cocoa-nut milk. As for Mr Luke, being fit for nothing, he was allowed to do very much what he pleased, except at meal times, when O'Rook made him wash the dishes, many of which were merely flat stones. In short, the place was, according to Polly, a sort of paradise, and would have been almost perfect, but for a tendency in one or two of the men to quarrel, and a powerful disposition in Bob Corkey and Simon O'Rook to argue. Though the arguing never quite degenerated into quarrelling, and the quarrelsome men never absolutely came to blows, their tendencies made this coral paradise imperfect.

Two of the most troublesome men, named respectively Bounce and Badger, were cured by the captain in the following manner:—They had been quarrelling verbally for half an hour one morning, calling each other names, and threatening, as usual, to fight, but not doing so.

"Come, lads, follow me," said the captain to them sternly, and much to their surprise.

He led the way to a neighbouring grove, where he stopped. "Now," said he, "this is a cool, shady spot. I want to know which of you two is the best man. Come, go to work and fight it out. I'll see fair play."

Bounce and Badger showed much unwillingness, whereupon the captain buttoned his coat, turned up his wristbands, doubled his enormous fists, and declared that they would have to fight with him if they would not fight with each other.

"But we don't want to fight, sir," said Bounce, humbly, seeing that the captain was thoroughly in earnest.

"Very well, then, shake hands," said the captain, in a tone so peremptory that the men were fain to obey.

"Now, go back to camp together," said the captain, "and let us have no more boasting—d'ee understand?"

They went off at once. After that there was less disagreement and no threatening to fight among the men.

One morning—it was a Sunday—the captain called the whole party together after breakfast, and announced the fact that he was going to preach them a sermon.

"You see, my lads," said he, "since you have agreed that I shall continue to be your captain on shore as well as at sea—to be the governor, in short, of this little colony—it is right that we should come to a distinct understanding as to our new position, and be guided by fixed laws. In time I will draw you up a code which I hope will be ratified by yourselves, and will work well. To-day I mean to start by preaching a sermon. I pr'pose to do so every Sunday, and to have family prayers every morning. Is that agreed to?"

"Agreed," said nearly every one. Bounce and Badger laughed, however, supposing that the captain was jesting.

But he was very far from jesting. Taking no notice of the laughter, he continued, in an earnest, impressive manner, which enforced respect while he pointed towards the other side of the island—

"My lads, the skeleton that lies over yonder furnishes me with a text: 'One is taken, and another left.' That poor fellow was taken away from this life. You and I have been left behind. Assuredly we have been left for a good purpose, and the merciful God who has spared us means that we should henceforth live for His glory. My lads, you all know what a blessed thing is a state of peace, and you also know what a miserable thing it is to be for ever quarrelling. Since we landed on this island, we've had a little of both. I took in hand to stop the quarrelling the other day, in my own way. P'r'aps it wasn't altogether my own way either, for I've read in the Bible of smiting a scorner, that the simple might take warning. However, be that as it may, that system may serve a turn; but it's not the straight road to come to a state of peace. If we are to live happily here, my lads, to avoid quarrelling, to honour our Maker, and to prove to each other—as well as to angels and devils, who may be lookin' on for all that I know—that we stand on a higher level than the brutes, we must square our conduct by the rules and laws laid down by the Prince of Peace, whose desire is that on earth men should live together in peace and goodwill. I'll now read you some of these laws."

Here the captain drew a small Bible from his pocket, and slowly read the fifth chapter of Matthew's Gospel, pausing at each verse, and commenting thereon, after his own peculiar fashion, to the surprise of all who heard him; for although all knew the captain to be an upright man, they were not prepared, by his usually stern look and brusque off-hand manner, for the tender spirit and depth of feeling which he now displayed.

"Now, my lads," said he, shutting the book, "that's all I've got to say to you to-day, but before closing, let me ask you to think like men—not like children—about what we have been reading. The service of God is not a mere matter of ceremonies. Jesus Christ came to save you and me, not so much from punishment, as from sin itself. It is a great salvation. Those of you who may have been swimming with the current know and care nothing about the power of sin. If you think you do, my lads, turn up stream. Try to resist sin, and you'll learn something new. Only those who are made willing and strong by the Spirit of God can do it successfully. No doubt that remark will set adrift a lot o' thoughts and questions in your minds. To all of them I give you a short text as a good course to steer by: 'Ask, and ye shall receive.' Ask light and ask wisdom.

"Now, cook," continued the captain, turning to O'Rook, "go to work and get your dinner under weigh, for talking makes one hungry. Meanwhile, I intend to go and have a short ramble on the sea-shore, and I want to know if there is any small female on this island who wants to go with me."

At this Polly jumped up with a laugh, put her little hand in that of her father, and stood on tiptoe, with upturned face. The captain stooped, received a stiff nor'-wester, and the two went off together.

The following night, as the party were seated round the fire finishing supper, Watty Wilkins surprised his friends by rising, clearing his throat, extending his right arm, after the manner of an orator, and delivering himself of the following speech:—

"Lady and gentlemen,—I rise on the present occasion, with or without your leave ('Order,' from Ben Trench), to make a few pertinent remarks ('Impertinent,' from Philosopher Jack) regarding our present strange and felicitous circumstances. (Hear, hear.) Our community is a republic—a glorious republic! Having constituted Captain Samson our governor, pastor, and lawgiver, it has occurred to me that we might, with great advantage to ourselves, institute a college of learning, and, without delay, elect professors. As a stowaway, I would not have presumed to make such a proposal, but, as a free and independent citizen of this republic, I claim the right to be heard; and I now move that we proceed to elect a professor of natural philosophy, natural history, and any other natural or unnatural science that any of us may happen to remember or invent. (Hear, hear, and laughter.) As a student is naturally allied to a professor, and somewhat resembles him—the only difference being that the one knows mostly everything, and the other next to nothing—I further propose that we appoint to this professorship Philosopher Jack, with a salary of gratitude depending on merit, and the duty of lecturing to us every night after supper for our entertainment."

Watty Wilkins sat down amid great applause, and Ben Trench seconded the motion, which was of course carried unanimously.

Philosopher Jack at once accepted the professorship, and proceeded then and there to deliver his inaugural address, in which he philosophised of things past, present, and to come, both seriously and humorously, in a way that filled his favourite pupil, Baldwin Burr, with inexpressible delight.

When he had finished, Bob Corkey rose, and with an air of intense solemnity said—

"Messmates, my lady, fathers, and brethren,—I begs to offer a observation or two. It seems to me that a college with only one professor ain't quite the thing for this great and enlightened republic. Seems to me; therefore, that we should appint a professor who could spin yarns for our amusement, not to say edification. And, for this end, I moves that we appint Simon O'Rook (great applause), whose gifts in the way o' story-tellin', or nat'ral lyin', so to speak, is unequalled by any nat'ral philosopher on the island." (Hear, hear, and cheers, mingled with laughter.)

This motion was seconded by Bounce, and the appointment was gracefully accepted by O'Rook, who, however, declined taking office till the following night as it was getting late, and he required time to compose his professional lies; but he ventured, as a free citizen of the "noo" republic, to move that the house should adjourn to bed.

The idea thus jestingly introduced was so far carried into effect in earnest, that Philosopher Jack did, on many evenings thereafter, amuse and interest his comrades round the camp-fire, by relating many a tale from history, both ancient and modern, with which his memory was well stored. He also proved to himself, as well as to others, the great value of even a small amount of scientific knowledge, by being able to comment on the objects of surrounding nature in a way that invested them with an interest which, to absolutely ignorant men, they could not have possessed.

O'Rook also fulfilled his engagements to some extent, being not only able, but willing, to spin long-winded yarns, which, when genuine material failed, he could invent with facility.

Thus the time passed pleasantly enough for several weeks, and the shipwrecked crew succeeded in keeping up their spirits, despite the undercurrent of heavy anxiety with which they were oppressed,—as indeed they could scarcely fail to be, when they reflected on the fact that the island, on which they had been cast, lay far out of the ordinary track of ships. This had been ascertained by the captain, who, it may be remembered, had taken his sextant from the ship, and who, the day before the destruction of the raft on the coral reef, had obtained a reliable observation, and fixed their position.

But this anxiety was deepened, and a darker gloom was cast over the party, by an incident which happened soon afterwards.

It has been said that Watty Wilkins was passionately fond of fishing. This business he prosecuted by means of a small raft, made from the remnants of the old one, which he pushed about with a long pole. But the raft was inconvenient; moreover, it had been more than once nearly upset by a shark. Watty therefore resolved to make a small boat out of the remains of the old boat beside which the skeleton had been found. In this he was so ably assisted by his friends Jack and Ben, that the boat—which was a very small one—was launched in the course of two weeks. A pair of light oars was also made, and in this boat the fishing was prosecuted with redoubled vigour. Sometimes the three friends went off in company; more frequently little Wilkins went out alone.

One day he pushed off by himself, and pulled to different parts of the lagoon, casting his line now and then with varying success. The day happened to be unusually calm and bright. When he passed the opening in the reef, the surf appeared less violent than usual, so that he was tempted to pull though it. The breakers were passed in safety, and he soon found himself with a sensation of great delight, floating on the gentle swell of the open sea. He pulled out for a considerable distance, and then cast his lines. So intent was he on these, that he did not observe the approach of a squall till it was almost upon him. Seizing the oars, he pulled towards the island, but he had drifted off shore a considerable distance. The wind, also, was against him. His efforts were vain. In short he was blown out to sea.

The desperate anxiety of the poor boy was changed to despair when the island gradually receded and finally disappeared. At first the little boat was nearly swamped, but by clever management of the oars Watty saved it. The squall was short-lived. Before long it again fell calm, and the sky cleared, but nothing was now to be seen save the unbroken circle of the horizon.

Who can tell the feelings of the poor youth when night descended on the sea? For hours he sat in the stern-sheets quite motionless, as if stunned. [Note: see frontispiece.] Rowing, he knew, would be of no use, as he might be pulling away from the island instead of towards it. Fastening his jacket to an oar, he set it up as a signal, and sat down helpless and inactive, but his mind was busy as he gazed into the depths of the moonlit sky. He thought of home, of the father whom he had so deeply injured, of the prospects that he had unwittingly blighted, of his comrade Ben Trench, and his other friends on the Coral Island. As he continued to think, conscience rose up and condemned him sternly. Wilkins bowed his head to the condemnation, and admitted that it was just.

"Oh!" he cried, in a passion of sudden remorse, "O God! spare me to return home and be a comfort to my father,—my dear, dear father!"

He put his face in his hands and wept bitterly. Sitting thus, overcome with sorrow and fatigue, he gradually sank lower and lower, until he slid to the bottom of the boat, and lay at last with his head on the thwart, in profound slumber. He dreamed of home and forgiveness as he floated there, the one solitary black spot on the dark breast of the solemn sea.



CHAPTER SIX.

WATTY WILKINS IS TRIED, COMFORTED, RUN DOWN, RESCUED, AND RESTORED.

When Watty Wilkins awoke from sleep, the sun was high in the heavens and the sea smooth as a mirror.

The poor boy raised himself on one elbow and looked about him, at first with a confused feeling of uncertainty as to where he was. Then the truth burst upon him with overwhelming force. Not only was he alone in a little, half-decayed boat without sail, rudder, or compass, on the great Pacific Ocean, but, with the exception of a few fish, he was without food, and, worst of all, he had not a drop of fresh water.

What was to be done? An unspoken prayer ascended from his heart to God, as he rose and seized the oars. A belief that it was needful to act vigorously and at once was strong upon him. For several minutes he relieved his feelings by rowing with all his might. Then he stopped abruptly, and his spirit sank almost in despair as he exclaimed aloud—

"What's the use? I don't know where the island is. I may only be pulling farther away from it. Oh! what shall I do?"

At that moment of extreme depression, the value of having had a God-fearing father who had taught him the Bible was unexpectedly realised, for there flashed into his mind, as if in reply to his question, the words, "Call upon me in the time of trouble; I will deliver thee, and thou shalt glorify me."

He pulled in the oars at once, fell on his knees, and, clasping his hands, prayed fervently. Watty had been taught a form of prayer in childhood, and had often used it with little or no regard to its meaning. Now, in his distress, he prayed in earnest. He meant what he said. It followed, also, that he said what he meant. The old form, being quite unsuitable to the occasion, was forgotten, and very homely language indeed was used, but it was sufficient for the purpose. The substance of it was a cry for pardon and deliverance. That which winged it to the Throne of Grace was the name of Jesus Christ.

Resuming the oars, he rowed gently; not for the sake of directing the boat, but because a state of inaction was disagreeable, and as he rowed he thought of the promise that had been sent to him. Strange to say, the latter part of it, "Thou shalt glorify me," seemed to take a stronger hold of his mind than the first. "Yes," he thought, "the whole promise is true. He will deliver me and make me to glorify Himself in some way or other. Perhaps He will let me live to return home, and be a comfort to my father."

The thought of the sorrow he had caused his father weighed heavier than ever in the poor boy's mind, and the desire to express his repentance, and, if possible, make his father glad again, became very intense. It seemed to him that a millstone would be removed from his heart if he could be allowed, even for one minute, to hold his father's hand and say, "Oh, I am so sorry, sorry, sorry that I ran away!" The millstone was not removed at that time, however; but in answer to prayer it was unquestionably lightened.

The exercise of rowing and the fresh morning air produced their natural effect ere long on the little castaway. He became ravenously hungry, and turned his eyes inquiringly on the few fish which surged about in the pool of dirty water that had gathered in the bottom of the boat. It was not an inviting breakfast. Watty turned his eyes away from it, looked up into the fair blue sky, and tried to think of other things! But the calls of nature were not to be silenced. Instead of thinking of other things, he somehow thought of bread and butter. He even fell into a species of argument with himself as to whether it would not be uncommonly pleasant in various supposable circumstances, to eat bread without butter. Then he found himself meditating on the delights of butter and jam together, which somehow suggested the scriptural figure of a land flowing with milk and honey.

"Oh!" he sighed at this point, "if the sea was only milk and honey—milk even without honey!—what a glorious prospect!"

He looked at it as if he half thought it would be transformed under the power of his intense wish. Then he looked again at the floating fish and shuddered. Well might he shudder, for they were contemptible little fish, most of them, with unnaturally large heads, and great staring eyes, as if they had failed, even in death, to get rid of their surprise at being caught. With their mouths opened to the uttermost, they seemed to wish to shout, but couldn't.

"I may as well take them out of the dirty water anyhow," he muttered, suiting the action to the word, and spreading the fish on the thwart in front of him. Liking their appearance still less in that position, he put them on the thwart behind him, and tried to forget them. Impossible! He might as well have tried to forget his own existence. At last, after holding out as long as possible, the poor boy made up his mind to eat a little. Then he thought, "If I could only cook them; oh! for only one small lump of live coal from the camp fire on—"

The thought was checked abruptly, for he suddenly remembered that he had a burning-glass in his trousers pocket. He might perhaps be able to roast them with that—in a somewhat underdone fashion, no doubt—still, any sort of cooking would be better than none!

It need scarcely be said that the attempt failed. The only results were a burnt spot or two and a faint odour that served to intensify his hunger. At last he bit a mouthful out of the back of one of the fish, chewed it viciously, swallowed it in a hurry, and felt very sick. The ice was broken, however, and he got on better than he had expected. But when hunger was appeased, there came gradually upon him the far less endurable condition of thirst. He really felt as if he should choke, and once or twice he dipped his baling-dish over the side, but restrained himself on remembering the journal of the skeleton, wherein it was recorded that one of the men had gone mad after drinking salt water.

Towards the afternoon hope was revived in his breast by the appearance of clouds indicating rain. It came at last, in a soft gentle shower— far too gentle, indeed, for it could not be collected. What dropped upon the wooden baling-dish seemed to sink into or evaporate off it. The few drops that fell upon his patiently protruded tongue served only to tantalise him. But Watty was not prone to give way to despair; at least, not to remain in that condition. He took off his jacket, spread it out so as to form a basin, and eagerly watched the result. Alas! the cloth was too soft. It acted like a sponge, into which the rain-drops disappeared.

When it became evident that the coat was a failure—refusing even to part with a single drop when wrung,—Watty chanced to cast down his eyes, and they naturally fell on his trousers. They were stiff canvas trousers, and very greasy from much service among the dishes. Instantly he had them off, and spread out as the coat had been. Joy inexpressible—they held water! To convert the body of them into a lake and the legs into two water-courses was not difficult for one whose ingenuity was beyond the average. But oh! the lake basin was slow to gather the precious drops! He caused the two legs to debouch into the baling-dish, and watched eagerly for half an hour, at the end of which period about a wineglassful was collected. He sucked it in, to the last drop, and waited for more. It seemed as if the very sky sympathised with the boy's distress, for soon afterwards the rain increased, then it poured, and finally, Watty Wilkins was more than satisfied, he was drenched. Fortunately the downpour was short-lived. It ceased suddenly; the clouds broke up, and the evening sun came out in full splendour, enabling him to partially dry his garments.

In the Southern Seas at that time, the weather was particularly warm, so that our castaway felt no inconvenience from his ducking, and spent the second night in comparative comfort, his dreams—if he had any—being untroubled with visions of food or drink. Once, indeed, he awoke, and, looking up, recalled so vividly the fate of the man who had been cast alone and dying on the Coral Island, that he became deeply depressed by the thought of meeting a similar fate; but the text of the previous day again recurred to him. Clinging to it, he again fell asleep, and did not wake till morning.

Looking over the side, he saw what sent a gush of hope and joy to his heart. A ship, under full sail, not half a mile off! He rubbed his eyes and looked again. Was he dreaming? Could it be?

He sprang up with a cry of delight and gave vent to a long, loud cheer, as much to relieve his feelings as to attract attention. It was almost too good to be true, he thought. Then a voice within whispered, "Did you not ask for deliverance?" and the boy mentally responded, "Yes, thank God, I did."

While he was thinking, his hands were busy refastening his jacket (which he had taken down to sleep in) by a sleeve to its former place at the end of an oar. But there was no occasion to signal. The vessel, a barque, was running straight towards him before a light breeze under full sail—as Baldwin Burr would have said, with "stuns'ls slow and aloft." Believing that he had been observed, he ceased waving his flag of distress.

But soon a new idea sent a thrill through his heart. No sign of recognition was made to him as the ship drew near. Evidently the look-out was careless.

Leaping up, Watty seized the oar, waved his flag frantically, and yelled out his alarm. Still the ship bore majestically down on him, her huge bow bulking larger and higher as she drew near. Again Watty yelled, loud and long, and waved his flag furiously. The ship was close upon him—seemed almost towering over him. He saw a sailor appear lazily at the bow with his hands in his pockets. He saw the eyes of that seaman suddenly display their whites, and his hands, with the ten fingers extended, fly upwards. He heard a tremendous "Starboard ha-a-a-rd!" followed by a terrific "Starboard it is!" Then there was a crashing of rotten wood, a fearful rushing of water in his ears, a bursting desire to breathe, and a dreadful thrusting downwards into a dark abyss. Even in that moment of extremity the text of the morning flashed through his whirling brain—then all was still.

When Watty's mind resumed its office, its owner found himself in a comfortable berth between warm blankets with a hot bottle at his feet, and the taste of hot brandy-and-water in his mouth. A man with a rough hairy visage was gazing earnestly into his face.

"Wall, youngster, I guess," said the man, "that you'd pretty nigh slipped your cable."

Watty felt thankful that he had not quite slipped his cable, and said so.

"You went over me, I think," he added.

"Over you! Yes, I just think we did. You went down at the bows—I see'd you myself—and came up at the starn. The cap'n, he see'd you come up, an' said you bounced out o' the water like the cork of a soda-water bottle. But here he comes himself. He told me I wasn't to speak much to you."

The captain, who was an American, with a sharp-featured and firm but kindly countenance, entered the berth at the moment.

"Well, my boy, glad to see you revived. You had a narrow escape. Wouldn't have been so if it hadn't chanced that one of our worst men was the look-out—or rather wasn't the look-out. However, you're all right now. Your ship went down, I expect, not long since?"

"About three or four months ago," answered Watty.

"Come, boy, your mind hasn't got quite on the balance yet. It ain't possible that you could be as fat as a young pig after bein' three or four months at sea in an open boat. What was the name of your ship?"

"The Lively Poll."

"What! a Scotch ship?"

"Yes; part owned and commanded by Captain Samson."

"I know him; met him once in Glasgow. A big, rough-bearded, hearty fellow—six foot two or thereabouts. Didn't go down with his ship, did he?" asked the captain with a look of anxiety.

"No," replied Watty with increasing interest in the American; "we escaped on a raft to an island, off which I was blown, while alone in my boat only two days ago."

"Only two days ago, boy!" echoed the captain, starting up; "d'you happen to know the direction of that island?"

Watty did not know, of course, having had no compass in his boat; but he fortunately remembered what Captain Samson had said when he had ascertained the latitude and longitude of it.

"Mr Barnes," shouted the captain to the first mate, who stood on deck near the open skylight, "how's her head?"

"Sou'-sou'-west, sir."

"Put her about and lay your course west and by north. Now," said the captain, turning again to Watty, with a look of satisfaction, "we'll soon rescue Captain Samson and his crew. I'm sorry I won't be able to take you all back to England, because we are bound for San Francisco, but a trip to California is preferable to life on a coral island. Now, boy, I've talked enough to you. The steward will bring you some dinner. If you feel disposed, you may get up after that. Here are dry clothes for you. We ripped up your own to save time after hauling you out of the sea."

It was not usual for the gentle Polly Samson to alarm the camp with a shriek that would have done credit to a mad cockatoo, nevertheless, she did commit this outrage on the feelings of her companions on the afternoon of the day on which Watty was run down and rescued.

Her father and all the others were seated around the camp fire among the bushes at the time. Polly had left them, intending to pay a visit to one of her beautiful water-gardens on the beach, and had just emerged from the bushes and cast her eyes upon the sea, when she beheld the sight that drew from her the shriek referred to. She gave it forth in an ascending scale.

"Oh! Oh!! Oh!!! father! come here! quick! quick! oh!"

Never since he was a boy had the captain jumped so sharply from a sitting posture to his legs. Every man followed suit like a Jack-in-the-box. There was a rush as if of a tempest through the bushes, and next moment the whole party burst upon the scene, to find Polly—not as they had feared in some deadly peril, but—with flashing eyes and glowing cheeks waving her arms like a windmill, and shrieking with joy at a ship which was making straight for the island under full sail.

The captain greeted the sight with a bass roar, Philosopher Jack with a stentorian shout. Ben Trench did his best to follow Jack's example. Simon O'Rook uttered an Irish howl, threw his cap into the air, and forthwith began an impromptu hornpipe, in which he was joined by Bob Corkey. Baldwin Burr and his comrades vented their feelings in prolonged British cheers, and Mr Luke, uttering a squeak like a wounded rabbit, went about wanting to embrace everybody, but nobody would let him. In short every one went more or less mad with joy at this sudden realisation of "hope long deferred." Only then did they become fully aware of the depth of anxiety which had oppressed them at the thought of being left, perhaps for years, it might be to the end of their days, on that unknown island.

As the vessel approached, it became apparent that there was some one on board whose temporary insanity was as demonstrative as their own, so wild were his gesticulations.

"It's too fur off," said Baldwin, "to make out the crittur's phisog; but if it warn't for his size, I'd say he was a monkey."

"P'r'aps it's an ourang-outang," suggested Corkey.

"Or a gorilla," said O'Rook.

"Oh!" exclaimed Polly, in a low, eager voice of surprise, "I do believe it is Watty Wilkins!"

"Polly is right," said Philosopher Jack; "I'd know Watty's action among a thousand."

As he spoke, the vessel rounded-to outside the reef, backed her top-sails, and lowered a boat. At the same time the excited figure disappeared from her bow, and reappeared, wilder than ever, in the stern of the boat. As it crossed the lagoon, the voice of Watty became audible, and was responded to by a succession of hearty cheers, in the midst of which the boat was run ashore. The excited lad sprang on the beach, and was almost annihilated by the species of miscellaneous embracing that he immediately underwent.

Need we say that Captain Samson and his men were only too thankful to have such an opportunity of deliverance? They at once accepted the offer of the American captain, embarked in his ship the following morning, passed Cape Horn not long after, sailed up the coast of South America, and, in course of time, cast anchor in the renowned harbour of San Francisco.

At the time of which we write, the excitement about the gold-fields of California was at its highest pitch. Men were flocking to that region from all parts of the earth. Fortunes were being made by some in a few months, and lost by others, at the gaming-tables, in a few days, or even hours. While a few gained a competence, many gained only a bare subsistence; thousands lost their health, and not a few their lives. It was a strange play that men enacted there, embracing all the confusion, glitter, rapid change of scene, burlesque, and comedy of a pantomime, with many a dash of darkest tragedy intermingled. Tents were pitched in all directions, houses were hastily run up, restaurants of all kinds were opened, boats were turned keel up and converted into cottages, while ships were stranded or lying idle at their anchors for want of crews, who had made off to that mighty centre of attraction, the diggings.

Arrived at San Francisco, Captain Samson and his crew were landed one fine morning at an early hour, and went up to a modest-looking hotel, without any definite idea as to what was best to be done in their peculiar circumstances. Feeling a strange sensation of helplessness in the midst of so much turmoil and human energy, after their quiet sojourn on the Coral Island, they kept together like a flock of sheep, and wandered about the town. Then they returned to their hotel and had luncheon, for which so large a sum was demanded, that they resolved to return on board at once, and ask the American captain's advice.

They found their deliverer pacing his quarterdeck, with his hands in his pockets, and a stern frown on his countenance. He was quite alone, and the vessel wore an unusually quiet air.

"Nothing wrong, I hope," said Captain Samson, as he stepped over the gangway.

"Everything wrong," replied the American; "crew skedaddled."

"What! bolted?"

"Ay, every man, to the diggin's."

"What will you do?" asked Captain Samson, in a sympathetic tone.

"Sell off the ship and cargo for what they'll fetch, and go to the diggin's too," replied the other. "Moreover, I'd strongly recommend you to do the same."

"What say you to that advice, Philosopher Jack?" asked Captain Samson, turning to our hero, with a peculiar smile.

"I say," answered the philosopher, returning the smile, "that the advice requires consideration."

"Cautiously replied; and what says my Polly?" continued the captain.

"I say whatever you say, father."

"Ah! Poll, Poll, that sort of answer don't help one much. However, we'll call a council of war, and discuss the matter seriously; but, first of all, let's see how the wind blows. How do you feel inclined, Ben Trench? Bein' the invalid of our party, so to speak, you're entitled, I think, to speak first."

"I say, Go," replied Ben.

"And I say ditto," burst from Watty Wilkins with powerful emphasis.

"You wasn't axed yet," observed Bob Corkey. "Besides, stowaways have no right to speak at all."

"What says Mr Luke!" continued the captain.

"Don't go," answered Mr Luke feebly.

"Now, lads," said the captain, after putting the question to the others, "we'll go in for the pros and cons."

They went in for the pros and cons accordingly, and after an animated debate, resolved that the path of duty, as well as that of interest and propriety, lay in the direction of the diggings.

Having settled the matter, and gathered together into a common fund the small amount of cash and property which each had saved from the wreck, they went ashore, purchased the articles necessary for their expedition, and followed the great stream of Californian gold-diggers.

We shall join them, but let not the reader suppose that we intend to bore him or her with the statistics and details of Californian gold-digging. It is our purpose only to touch lightly on those salient points in the adventures of our wanderers which had a more or less direct bearing on the great issues of their lives.



CHAPTER SEVEN.

FAILURE.

There are times, probably, in the life of all when everything seems to go against one,—when plans and efforts turn out ill, or go wrong, and prospects look utterly black and hopeless. Such a time fell upon Philosopher Jack and his friends some months after their arrival at the gold-diggings.

At first they were moderately successful, and at that time what amazingly golden visions they did indulge!

"A carriage and pair," soliloquised Watty Wilkins, one evening at supper, while his eyes rested complacently on the proceeds of the day's labour—a little heap of nuggets and gold-dust, which lay on a sheet of paper beside him; "a carriage and pair, a town house in London, a country house near Bath or Tunbridge Wells, and a shooting-box in the Scotch Highlands. Such is my reasonable ambition."

"Not bad," said Philosopher Jack, "if you throw in a salmon river near the shooting-box, and the right to wear the bonnet, plaid, and kilt at pleasure."

"Not to mention bare legs an' rheumatiz," remarked Simon O'Rook, who was busy with the frying-pan. "Sure, if the good Queen herself was to order me to putt on such things, I'd take off me bonnet an' plaid in excuse that I'd be kilt entirely if she held me to it. All the same I'd obey her, for I'm a loyal subject."

"You're a bad cook, anyhow," said Baldwin Burr, "to burn the bacon like that."

"Burn it!" retorted O'Rook with an air of annoyance, "man alive, how can I help it? It hasn't fat enough to slide in, much less to swim. It's my belief that the pig as owned it was fed on mahogany-sawdust and steel filin's. There, ait it, an' howld yer tongue. It's good enough for a goold-digger, anyhow."

"In regard to that little bit of ambition o' your'n," said Bob Corkey, as the party continued their meal, "seems to me, Watty, that you might go in for a carriage an' four, or six, when you're at it."

"No, Corkey, no," returned the other, "that would be imitating the foibles of the great, which I scorn. What is your particular ambition, now, Mr Luke? What will you buy when you've dug up your fortune?"

The cadaverous individual addressed, who had become thinner and more cadaverous than ever, looked up from his pewter plate, and, with a sickly smile, replied that he would give all the gold in the mines to purchase peace of mind.

This was received with a look of surprise, which was followed by a burst of laughter.

"Why, you ain't an escaped convict, are you?" exclaimed Baldwin Burr.

"No, I'm only an escaped man of business, escaped from the toils, and worries, and confinements of city life," returned Mr Luke, with another sickly smile, as he returned to his tough bacon.

"Well, Mr Luke, if contrast brings any blessing with it," said Edwin Jack, "you ought to revive here, for you have splendid fresh country air—by night as well as by day—a fine laborious occupation with pick and shovel, a healthy appetite, wet feet continually, mud up to the eyes, and gold to your heart's content. What more can you desire?"

"Nothing," replied the cadaverous man with a sigh.

The state of prosperity to which Jack referred did not last. Their first "claim," though rich, was soon worked out, and they were obliged to seek another. This turned out to be a poor one, yielding barely enough of the precious metal to enable them to pay their way, every article of clothing, tools, and food being excessively dear at the mines. Nevertheless, they worked on in hope, but what was termed their "luck" became worse and worse every day, so that at last they were obliged to run into debt.

This was not difficult to do, for the principal store-keeper, Higgins by name, saw that they were respectable, trustworthy men, and felt pretty safe in giving them supplies on credit. One bad result of the debt thus incurred was that the whole tone and spirit of the party was lowered.

"It's too bad," growled Philosopher Jack one evening, as he strode into the tent and flung down his tools; "got barely enough to keep the pot boiling."

"Better that than nothing," remarked Watty Wilkins, who was in the act of taking off his wet boots. "I haven't got as much dust as would gild the end of a bumbee's nose. Hope some of the others have been more successful. None of them have come in yet except O'Rook, who is as unlucky as myself. He's off to the store for something for supper."

Watty sat down before the fire which burned in front of the tent, and sadly toasted his toes.

"I'll tell you what," said Jack, sitting down beside him, "I fear we were fools to come here."

"Not so sure of that" returned Wilkins, with a dubious shake of the head. "Every one, you know, cannot be lucky. Some succeed and some don't. We are down just now, that's all. The wheel of fortune is going round, and something will be sure to turn up soon."

"Nothing will turn up unless we turn it up for ourselves, you may depend upon that" said Philosopher Jack.

"The captain seemed to preach a different doctrine from that last Sunday, didn't he, when he remarked that God sometimes sends prosperity and riches to those who neither ask, work for, nor deserve them?"

"True, Watty, but these, he told us, were exceptional cases; the rule being, that those who labour with body or mind acquire possessions, while those who don't labour fall into poverty. The simple truth of that rule is partially veiled by the fact that thousands of laborious men labour unwisely, on the one hand, while, on the other hand, thousands of idle men live on the product of their forefathers' labours. Besides, didn't the captain also impress upon us that success is not success when it leads to evil, and failure is not failure when it results in good?"

"From all which," retorted Watty, "you bring forward strong proof that your present growling at bad luck is most unphilosophic, you cross-grained philosopher."

"Not at all," returned Jack. "The captain's principles may, or may not be correct. The mere statement of them does not prove that my ill luck just now is going to result in good. But the worst of it is, that during the time of our good fortune, I had been hoarding up in order to be able to send money to my poor father, and now it has all melted away."

"I'm sorry for you, Jack," said Watty, "but that is not the worst of it to my mind, bad though it be. What grieves me most is, that my dear friend and chum, Ben Trench, is surely losing his health under the strain of anxiety and hard work. You see, he is not gifted with the gutta-percha feelings and cast-iron frame of Philosopher Jack, neither has he the happy-go-lucky spirit and tough little corpus of Watty Wilkins, so that it tells on him heavily—very heavily."

Poor Watty said this half jestingly, yet with such a look of genuine feeling that Jack forgot his own troubles for the moment.

"Something must be done," he said, gazing with a concerned look at the fire. "Did you observe that man Conway last night up at the store?"

"Yes; what of him?"

"He staked largely at the gaming-table last night—and won."

Little Wilkins glanced quickly in his friend's face. "Jack," he said, with a look and tone of earnestness quite unusual to him, "we must not think of that. Whatever straits we are reduced to, we must not gamble—I repeat, we must not!"

"Why not, little man?" asked Jack, with an amused smile at what he considered an uncalled-for burst of seriousness.

"Because it is dishonourable," said Wilkins, promptly.

"I don't see it to be so," returned Jack. "If I am willing to stake my money on a chance of black or red turning up, and the banker is willing to take his chance, why should we not do it? the chances are equal; both willing to win or to lose, nothing dishonourable in that! Or, if I bet with you and you bet with me, we both agree to accept the consequences, having a right, of course, to do what we please with our own."

"Now, Jack," said Wilkins, "I'm not going to set up for a little preacher, or attempt to argue with a big philosopher, but I'll tell you what my father has impressed on me about this matter. One day, when we were passing some ragged boys playing pitch-and-toss on the street, he said to me, 'Watty, my boy, no man should gamble, because it is dishonourable. To want money that does not belong to you is greedy. To try to get it from your neighbour without working for it is mean. To risk your money in the hope of increasing it by trade, or other fair means, and so benefit yourself and others, is right; but to risk it for nothing, with the certainty of impoverishing some one else if you win, or injuring yourself if you lose, is foolish and unfeeling. The fact that some one else is willing to bet with you, only proves that you have met with one as foolish and unfeeling as yourself, and the agreement of two unfeeling fools does not result in wisdom. You will hear it said, my boy, that a man has a right to do what he will with his own. That is not true. As far as the world at large is concerned, it is, indeed, partially true, but a man may only do what God allows with what He has lent him. He is strictly accountable to God for the spending of every penny. He is accountable, also, to his wife and his children, in a certain degree, ay, and to his tradesmen, if he owes them anything. Yes, Watty, gambling for money is dishonourable, believe me!' Now, Jack, I did, and I do believe him, from the bottom of my heart."

What Jack would have replied we cannot tell, for the conversation was interrupted at that moment by the abrupt appearance of Captain Samson. He led Polly by the hand. The child had an unwonted expression of sadness on her face.

"Come into the tent. Now then, darling," said the captain; "sit on my knee, and tell me all about it. Polly has seen something in her rambles that has made her cry," he explained to Jack, Wilkins, and the rest of the party who chanced to come in while he was speaking. "Let us hear about it."

"Oh! it is so sad," said Polly, whimpering. "You know that good kind man Jacob Buckley, who lives up in Redman's Gap with his sick brother Daniel, who is so fond of me; well, I went up to the Gap this afternoon, when I had done cleaning up, to sit with the sick brother for a little. I found him in great anxiety and very ill. He told me that Jacob, who had always been such a good nurse to him, is much cast down by his bad luck, and has taken to drink, and that he has lost or spent all his money, and can't get credit at the store. He went out quite drunk last night, and has not returned since. Of course poor Daniel has had nothing to eat, for he can't leave his bed without help, and even if he could, there isn't a morsel of food in the house."

This story created much sympathy in the hearts of Polly's hearers.

"Well now, messmates, what's to be done in this case?" asked Captain Samson, looking round.

"Make a c'lection," said O'Rook.

"Here you are," said Watty, taking up his cap and dropping several small nuggets into it as he handed it to Jack.

The philosopher contributed a pretty large nugget, which, in his heart, he had intended to stake at the gaming-table. "Well," said he, "we are reduced to low enough circumstances just now, but we are rich compared with poor Buckley."

The entire party at that time numbered only nine, including Polly, Bounce, and Badger, the other members of the crew of the Lively Poll having separated soon after leaving San Francisco. But as all of them were men of generous spirit, Watty's cap soon contained a very creditable "c'lection," which was made up forthwith into a bag, and carried with some cooked provisions by Polly to Redman's Gap, under the safe escort of her father and Baldwin Burr.

The following evening, after supper, Philosopher Jack quietly put his last bag of gold into his pocket and went off with it to Higgins' store. On the way up he entered into a debate with himself as to the rectitude of gambling. He seemed to himself to be composed of two persons, one of whom condemned, while the other defended gambling. But Jack had a strong will of his own. He was not to be lightly turned from a purpose, either by the disputants within him or by the arguments of his friend Wilkins. Being a good reasoner, our philosopher found that the condemner of gambling within him was rapidly getting the best of the argument; he therefore brought the matter to a point by suddenly exclaiming aloud, "Now, the question is, shall I do it?"

"Don't?" said his old, brusque, but faithful friend Conscience, with a promptitude that made him quite uncomfortable.

"Or," continued Jack slowly, "shall I go back and wait to see whether things will turn and mend?"

"Do!" answered his friend at once.

If Jack had put more questions, he would have received clear and emphatic replies, but he merely said, "Pooh!" and when a man says "pooh!" to conscience, he is in a very bad way indeed.

At Higgins' store gold-miners assembled to buy and sell, to talk and drink and gamble. As the necessaries of life were procured there, miners of all sorts, from the steady to the disreputable, were to be found assembled at times, but it was chiefly the latter who "hung about" the place. No notice was taken of Jack as he mingled with the crowd, except by one or two acquaintances, who gave him a passing nod of recognition.

At the bar there was assembled a boisterous group, who were laughing heartily at something. Jack joined it, and found a tall, half-tipsy man offering to bet with another. When men are smitten with the gambling spirit anything that affords a "chance" will serve their turn.

"See here, now," said the tall man, looking round, "I repeat, that I'll bet any man ten dollars—all I have in the world—that there's not any four of the men in this store can prevent my lifting this tumbler of water to my lips."

He held out a tumbler in his right hand as he spoke, and straightened his long sinewy arm.

Some of those present laughed, but one, a short, thick-set, powerful fellow, said "Done!" at once, and stepped forward.

"Well, stranger," said the tall man, with a smile, "lay hold. You ought to be strong enough to prevent me by yourself, but come on some more of you."

Three strong fellows rose and laughingly grasped the man's arm, while several of the lookers-on began to bet on the event.

"Now, hold fast," said the tall man, giving his arm a slight but vigorous shake, which had the effect of causing those who held it to tighten their grip powerfully.

"Oh! you're not strong enough," he added; "come, another of you!" Hereupon a fifth man rose, and laid hold of the arm amid much laughter.

At that moment a big, rough miner pushed his way through the crowd and demanded to know "what was up." On being told, he drew a bag from his pocket and exclaimed, "I'll bet you this bag of dust if you can match it, that these five men will prevent you easily. They are strong enough to hold Goliath himself, if he were here."

"Sorry that I can't match your bag, stranger," replied the tall man; "I'm only game for ten dollars, and that's already staked."

"But I can match it," exclaimed Philosopher Jack, suddenly producing his bag, which was much the same size as that of the big miner.

"Now, then, hold fast, but don't break the bone if you can help it," said the tall man, giving his arm another shake.

The laugh with which this was received was changed into a roar of delight, when the tall man passed his left arm over the heads of those who held him, and with his left hand conveyed the tumbler to his lips.

There was a good deal of disputation immediately, as to the justice of paying up bets on what was obviously a "sell," but it was ruled that in this case they had been fairly lost and won, so that the big miner turned his back on his bag of gold, and, with a deep curse, left the store.

Never before had Edwin Jack felt so thoroughly ashamed of himself as when he went forward and took up the two bags of gold. He did it, how ever, and, hurriedly quitting the store, returned to his tent.

There was a small portion of the tent curtained off at the farther extremity, as a chamber for Polly Samson. Jack was relieved, on arriving, to find that she had retired to it for the night. He was also glad to observe that all his tired companions were asleep, with the exception of O'Rook. That worthy was busy clearing up his pots and pans for the night.

"It's late you are to-night," remarked O'Rook with a yawn.

"Yes, I've been to the store," said Jack; "hand me that candle; thanks."

Turning his back on his comrade, he opened the bag which he had won, and looked in. The first thing that met his astonished gaze was the identical nugget which he had contributed the evening before to the sick miner at Redman's Gap. There was a name inside the bag. Holding it near the candle, he read—"Buckley!"

"They must have been robbed!" he muttered to himself; then, rising, said to O'Rook, "I've taken a fancy to go up to the Gap to see the Buckleys. Don't mistake me for a thief when I return."

"No mistake at all if I did," returned O'Rook, "for you're stealin' a march on us all just now, an' isn't it robbin' yourself of your night's rest you are? ah! then, a wilful man must have his way; good luck go with ye."

Before the sentence and the yawn that followed it were finished, Jack was on his way to the Gap. He found the elder Buckley seated on a log by his brother's couch, with his face buried in his hands. A glance showed him that the sick man was dying. Jacob looked up quickly. His face was haggard from the combined effects of dissipation, grief, and watching. He seemed rather annoyed than pleased by Jack's visit.

"I'm grieved to see Daniel so ill," said Jack in a low voice, which, however, roused the attention of the invalid.

"Dying," said Jacob sternly, though in a voice that was scarcely audible. "What have you got there?" he added, almost fiercely, as he observed, and at once recognised, the bag in his visitor's hand.

"Your property," answered Jack. "Have you not missed it? I conclude, of course, that it has been stolen from you, because it was gambled away by a big rough fellow at Higgins' store this evening."

A peculiar smile flitted for a moment across the rugged face of Jacob Buckley as he said, "No, he didn't steal it. Not being able to leave my brother myself, I sent him with it to the store, to try his luck. It was my last throw, contained all I had, includin' the dust and nuggets you and your comrades sent me last night."

He said this in a hard, reckless, defiant manner, then looked suddenly in Jack's eyes, and inquired with an expression of curiosity how he came by the bag.

"I won it, God forgive me," said Jack, a deep flush of shame overspreading his face, "and I now come to return what I had no right to win."

A sound from the dying man attracted their attention at that moment.

"He wants to speak to you," said Jacob, who had stooped down to listen.

Jack bent over the sick man, who said in a low whisper, with occasional pauses for breath, for his strength was almost gone.

"God bless you! You've saved his life. He said if he lost that gold that he'd blow out his brains—and he'd have done it—he would; I know Jacob—he'd have done it. Read to me—the Word—the only true gold."

Jack looked round. Jacob had sat down, and again covered his face with his hands.

"I have not my Bible with me," said Jack, "but I can repeat passages from memory."

He began with the words, "They that trust in Him shall never be put to confusion," when the dying man roused himself, and with a strong effort whispered, "O, sir, I do trust in Him! Will you try to save my brother from gambling and drink. Speak!—promise!"

"I will!" whispered Jack in his ear.

The man's energy left him at once, and he fell back on the pillow, from which he had partially risen, with a deep, prolonged sigh. Jacob heard it. Springing up, he fell on his knees by the bedside and seized his brother's hand.

"O Dan! dear Dan," he exclaimed, passionately, "don't give way like that. You'll get well soon, an we'll cut this infernal place altogether; we'll go home and work with the old folk. Dan, dear Dan! speak to me—"

He stopped abruptly, and rose with a stony stare of hopelessness, for Dan's spirit had returned to God who gave it.

Without a word Jacob set to work to lay out the body, and Jack quietly assisted him. Having finished, the former put the recovered bag of gold in his pocket, stuck a revolver in his belt, and took up the door key of the hut.

"Come, Jacob," said Jack, purposely taking no notice of these actions, "you'll go home and spend the night with me. Dear Dan wants no tending now. We will return together, and see to his remains to-morrow. Come."

Buckley looked undecided.

"You haven't your flask, have you?" he asked eagerly.

Jack felt in his pockets, and with something like joy found that his flask was not there. "No," said he, "I haven't got it. But come, Jacob, you want rest. I'll give you something better than spirits to drink when we reach the tent. Come."

The man submitted. They went out and, locking the door, walked quickly and silently away.

Many and anxious were the thoughts that chased each other through the busy brain of our hero during that dreary midnight walk. Before it was ended, he had almost resolved upon a plan of action, which was further matured while he prepared a can of strong hot coffee for poor Jacob Buckley.

"This is how the matter stands," he said to Captain Samson next morning, during a private conversation, while Buckley and the others were at breakfast in the tent. "I, who am not a teetotaller, and who last night became a gambler, have pledged myself to do what I can to save Jacob Buckley from drink and gaming. To attempt that here would be useless. Well, we are at our lowest ebb just now. To continue working here is equally useless. I will therefore leave you for a time, take Buckley and Wilkins with me, and go on a prospecting tour into the mountains. There it will be impossible to drink or gamble; time may cure Buckley, and perhaps we may find gold! Of course," he added, with a sad smile, "if we do, we'll return and let you know."

The captain approved of this plan. Jacob Buckley and Watty Wilkins at once agreed to go, and immediately after Daniel's burial, the prospecters set out. The entire party, including Polly, convoyed them as far as Redman's Gap, where, wishing them good-speed, they parted company. Then the three adventurers passed through the Gap, and were soon lost in the wild recesses of the mountain range.



CHAPTER EIGHT.

SUCCESS.

For more than a month did the prospecting party wander among the Californian mountains in quest of gold, but found none—at least not in paying quantities.

At first the trip was to each of them full of romance, interest and hope. Even Buckley began to cheer up after a few days had passed. The craving for drink began to wear off, and grief for his lost brother— whom he had truly loved—began to abate. The wild scenery through which they passed was in itself sufficient to rouse to a high pitch the enthusiasm of such youths as Philosopher Jack and Watty Wilkins, while their comrade, though not so impressionable in regard to the sublime and beautiful, was roused to sympathy by their irresistible ardour. The necessity of hunting, too, in order to obtain food, added excitement of a more stirring kind, and an occasional encounter with a grizzly bear introduced a spice of danger to which none of them objected. Their various washings of the soil and examination of river beds afforded a sufficient quantity of gold to foster hope, though not to pay expenses. Thus they progressed through many a scene of loveliness, where the hand of God had sown broadcast all the forms and hues of grace and beauty which render this world attractive; they also passed through many a savage defile and mountain gorge—dark, gloomy, almost repulsive—which served to enhance their enjoyment of the beautiful by contrast.

But as the time passed by they became accustomed to the life, and therefore less appreciative. They failed, also, to find gold in larger quantities, and as the finding of gold was their highest aim, they were proportionally disappointed and downcast. Watty, indeed, kept up his spirits pretty well. He experienced the benefit of the change that had taken place in his soul that time when he was alone with God in the little boat upon the sea. He prayed in secret for light, and tried to believe that "all things work together for good to them that love God;" but his faith was weak, and the old heart of unbelief was still very strong.

As for Philosopher Jack, his spirit was still engaged in rebellious warfare. He growled a good deal at his "luck," and was heartily seconded by Buckley. In addition to this, Jack's spirit was much troubled by his promise to Daniel Buckley on his deathbed. He shrank, with a strength of feeling that surprised himself, from speaking to Jacob about his infirmity, yet he felt the duty lying strong upon him, for he knew well that, if nothing was said, the man would certainly go back to his old habits on returning to the neighbourhood of the store where drink could be obtained.

"Shall I break the ice at once?" thought Jack. "Perhaps it would be well to wait till we know each other better."

"Don't," said the voice of his old laconic friend.

But Jack did wait, and the longer he waited the more disinclined to speak did he become. He held strongly, however, that a right promise once given should never be broken, and, under a feeling of desperation, said to himself one day, "Would it not be much better to end this matter by speaking without further delay?"

"Do," said conscience, approvingly.

And Jack did, then and there, the result being that Jacob Buckley did not take it well, but told him flatly to mind his own business. Jack flushed crimson and clenched his fist; then the absurdity of attempting to knock sobriety into a man struck him, and he laughed as he said—

"Well, Buckley, that is just what I am doing, for it is my business to remonstrate with a comrade when I see him give way to a habit which will result in his destruction if not abandoned."

After this Buckley allowed him to talk a little on the subject, but Jack felt the work to be very distasteful. Eventually he gave it up, consoling himself with the reflection that at all events he had brought the man away on an expedition where nothing stronger than cold water and hot tea was to be had for love or money.

At last the tide turned. On the same day a piece of great good and bad fortune befell our explorers. It happened thus:—

Watty Wilkins roused himself from a golden dream one morning, threw off his blanket looked up at the bush which served him and his comrades as a canopy, and yawned. It was grey dawn. There was that clear sweet light in the sky which gives sure promise of a fine day. Seeing that his companions still slept, he drew from his breast a small Testament, read a few verses, and prayed. This had been his custom ever since his deliverance by the American ship.

Soon after, Jack moved his bulky frame, rolled round, threw out his arms, and yawned. The yawn awakened Buckley, who immediately followed suit—such is the force of example!

"I'll tell you what it is, mates," said the latter, sitting up, "that twist I gave my leg yesterday troubles me a little. I shall remain in camp to-day and smoke."

"Very good," said Jack, rising and putting the kettle on the fire with a view to breakfast. "Watty and I will go up that valley and prospect. We will expect that you'll eat no more than your share of the provisions during our absence, and that you'll have supper ready for us when we return."

The simple breakfast being disposed of and washed down with cans of hot tea, the two friends shouldered their guns and set off up the gorge or narrow mountain valley, near the mouth of which they had bivouacked. There was a belt of wood close to their camp; beyond that a small plain, after crossing which they entered a dense thicket, and began a toilsome march up the bed of a little mountain stream. The channel was nearly dry at the time, but the boulders, which were strewn about everywhere, showed that it was sometimes a formidable torrent.

"A likely place for gold," said Watty, with a hopeful look and tune.

"We've tried many such likely places," replied Jack, with a look and tone not quite so hopeful.

For several miles they advanced, washing out a panful of dirt here and there, and finding a little gold-dust as usual. Mid-day arrived, and they sat down to a cold dinner, consisting of a few scraps of meat left from breakfast. Little conversation was indulged in. They were too hungry for that—perhaps too much depressed by hope deferred.

"I'll try the banks higher up," said Jack, rising.

"And I'll try the bed of the stream lower down, just by way of opposition," said Watty.

They separated, and the latter soon found himself among the boulders, where he continued to search—actively at first, but more lazily as time passed by. Presently he came to a wild spot where the stream was overhung by bushes. He turned over a small stone. Beneath it was a hole or "pocket". He stooped quickly, and pulled out a nugget of gold about the size of a thimble. He stooped again, and, inserting his hand, pulled at something that would not come. His heart gave a jump and appeared to get into his throat, where it apparently remained, while the blood rushed to his forehead. Another pull, and out came a mass of solid gold, about the size of his own fist! A cheer rose to his lips, but he checked it. "P'r'aps there's more!" he said. Yes, the greedy little wretch said that! But there was no more in that pocket.

Quickly turning over several more stones, he found more pockets, with nuggets of various sizes in each. In a short time his specimen pouch was pretty well lined with the precious metal.

Meanwhile his friend Jack was equally successful, the chief difference between them being that the latter washed out the earth on the banks above, and found his gold in little grains and specks, but in such quantities that he felt as if his fortune were already made. Towards evening Watty hallooed and was replied to. As they walked rapidly towards the pre-arranged rendezvous, each hit on the same idea—that of deception!

"Well, what luck?" asked Watty with a careless air that ill concealed the elation of his heart.

"Only a little dust—nothing to speak of—at least not as compared with what some fellows get," said Jack, whose laughing eye gave the lie direct to his melancholy tones. "See here, Watty, this is all I've got."

As he spoke, the hypocrite poured the glittering contents of his pouch into his tin wash-pan.

"Well, what a lucky fellow you are!" said Watty, with mouth expanded. "Just look here; this is all that I have got."

He opened his bag and displayed the nuggets, with the big one in the midst!

Need we say that these youths found it difficult to express their joy and astonishment? The fact was evident that they had at last discovered unusually rich ground, and they travelled back to the camp to tell their lazy comrade the good news.

It was near sunset when they reached the little plain or open space at the mouth of the gorge. Here Jack turned aside to cut a stick of peculiar form, which had caught his eye on the way up, and which he meant to keep as a souvenir of their discovery and the spot. Watty sauntered slowly across the plain.

He had just reached the wood on the other side, and turned to wait for his comrade, when he heard two shots in quick succession. There was nothing unusual in this, but when he heard the Philosopher utter a loud cry, he started, cocked his gun, and ran a few steps back to meet him. Next moment Jack burst from the thicket and ran across the plain at a speed that told of imminent danger. From the same thicket there also rushed a large grizzly bear, whose speed was greater than that of Jack, though it did not appear to be so.

All the blood in Watty Wilkins's body seemed to fly back to his heart, and immediately after it rushed to his brain and toes. Prompt action! no time to think! Life! death! Watty never afterwards could tell clearly what he felt or did on that tremendous occasion, but Jack could tell what he did, for he saw him do it.

Going down on one knee and resting his left arm on the other, in what is known to volunteers as the Hythe position, the little youth calmly levelled his double-barrelled gun. It was charged only with small shot, and he knew that that was useless at long range, therefore he restrained himself and waited.

Jack and the bear ran straight towards him.

"Up, Watty, up a tree," gasped Jack; "it's no use—shot won't hurt him— quick!"

As he spoke he darted to the nearest tree, seized a large limb, and swung himself up among the branches. The bear passed under him, and, observing the kneeling figure in front, charged at once. When it was within three feet of him the youth let fly the contents of both barrels into the grizzly's mouth. So true was his aim that about six inches of the barrel followed the shot as the bear rushed upon it. This saved Watty, who was violently hurled aside by the stock of his own gun, while the bear went head-over-heels, vomiting blood and rage amid smoke and dust and scattered nuggets of gold!

"O Watty!" cried Jack, leaping down to the rescue with his drawn hunting-knife.

But before Jack reached him, or the bear had time to recover himself, Watty was on his active legs, and sprang up a tree like a monkey. Jack caught a branch of the same tree, and by sheer strength swung himself up, but on this occasion with so little time to spare, that the bear, standing on its hind legs, touched his heel lovingly with its protruded lips, as he drew himself out of reach.

We need scarcely say it was with beating and thankful hearts that the two friends looked down from their perch of safety on the formidable and bloody foe who kept pawing at the foot of the tree and looking hungrily up at them.

"What a mercy that the grizzly can't climb!" panted Watty, who had not yet recovered breath.

"But he can watch and keep us here all night," said Jack, "and we have no means of killing him. I fell and lost my gun in escaping, and yours is doubled up. We're in for a night of it, my boy. Why didn't you do what I bade you, get up into the tree with your gun when you saw us coming, and then we could have shot him at our leisure?"

"Why didn't you lend me your own cool head and clear brain," retorted the other, "and then we might have done something of the sort? But surely the shot I gave him must tell in the long-run."

"Pooh!" said Jack, "it's not much more to him than an over-dose of mustard would be to a cat. However, we've nothing for it but to wait. Perhaps Buckley may have heard our shots."

In this conjecture Jack was right. The gold-miner was enjoying an unsocial cup of tea at the time, and fortunately heard the distant shots and shouting. Buckley was a prompt man. Loading his double barrel with ball as he ran, he suddenly made his appearance on the field, saw at a glance how matters stood, and, being a good shot, put two balls in the bear's carcass with deadly effect. Grizzly bears are, however, remarkably tenacious of life. This one at once turned on his new foe, who, getting behind a tree, re-loaded as quickly as possible. As the animal passed he put two more balls in its heart and killed it.

"Splendidly done!" cried Jack, leaping to the ground and shaking Buckley by the hand, as he thanked him for his timely aid. Almost in the same breath he told of their unexpected good fortune.

"Now, then," he added, "we'll cut off the claws of this fellow as a trophy, and then to camp and supper."

"Stop a bit, not so fast," said Wilkins, who had descended the tree and was sitting on the ground with a most lugubrious countenance; "we must gather up my nuggets before going. Besides, it strikes me there's something wrong with my ankle."

This was found to be too true. In scrambling into the tree Watty had sprained his ankle badly, and in jumping down had made it so much worse that he could not bear to put even his toe to the ground. He was compelled, therefore, to accept the services of Jacob Buckley, who carried him into camp on his back.

Despite his sufferings poor Wilkins rejoiced that night with his comrades at their good fortune, and it was long before he or they could cease to talk over future plans and take needful rest. At length Buckley rolled himself in his blanket, and lay down.

"Poor fellow," said Jack, seeing Watty wince a little, "does it hurt much?"

"Yes, rather, but I'll be all right to-morrow. Now, Jack, I'm going to sleep. Do me a favour before turning in. Just make a pile of my nuggets close to my pillow here, with the big one on the top. There, thanks."

"What a covetous little wretch you are becoming!" said Jack with a laugh, as he lay down. "Have a care, Watty, that you don't become a miser."

Watty made no reply, but in the night, when he thought his comrades were asleep, he was overheard muttering in a low tone: "Yes, my dear old dad, you shall have them every one, big 'un as well; at least I'll send you every rap that they will fetch. Not that you need it. You're rich enough as it is, but this will show you, perhaps, that my first thoughts after my first luck were of you."

A long sigh followed the remark. Looking up soon afterwards, Jack saw that Watty was sound asleep, with the point of his nose reposing on the big nugget.

The poor lad's idea of a sprain was not quite correct. Instead of being "all right" next day, he found himself to be hopelessly lame, and was unable to move from the camp for a couple of weeks. During that period Jack and Buckley went forth to the new diggings every morning, and returned at night laden with gold, so that in a short time they had gathered as much as they could conveniently carry. Then they resolved to go for their comrades and return with them to continue their labours at what they named Grizzly Bear Gulch. As Watty was still unable to walk without great pain, they made a sort of litter of a blanket between two poles. In this contrivance they carried him, with their gold and their other belongings, back to the old diggings.

But here, on arrival, they found a wonderfully altered state of affairs.

"Immediately after you left," said Captain Samson, over a cup of tea, while Polly, who presided, listened with sympathetic delight, "we bought a new claim or two, without much hope, however, of bettering our circumstances. One of these claims we bought for you, Jack, with part of the money you left in our charge, one for Buckley, and another for Wilkins. Well, these claims all turned out splendidly, and we've been makin' our fortunes ever since! As you were off prospecting, as much for our benefit as your own, we agreed that it was the least we could do to work a little for you, so we gave your claims a rummage day about, and thus we've made your fortunes too, or part of 'em anyhow. We've bin sendin' home bills of exchange too, and knowin' your wish to help your father, Jack, I took upon me to send a small sum to him with your love. I did right didn't I?"

"Right!" exclaimed Jack, seizing the captain's hand and squeezing it; "need you ask? I'm only sorry I didn't dig the gold out with my own hand, and enclose the bill in my own letter. How much did you send?"

"Only 1000 pounds," replied the captain.

"Come, don't joke. I'm anxious to know, because he was very hard up when I left."

"More shame to you for leaving him, my young Philosopher," returned the captain, "but I tell you the truth; I sent him 1000 pounds sterling, and I believe there's as much lyin' here in gold-dust and nuggets that belongs to you. We've all done equally well, I'm thankful to say, and, better than that, good fortune seems to have brought us good health. Even Ben Trench there is able to dig like the rest of us."

"Not exactly," said Ben with a pleasant smile at his old friend Wilkins, "but I'm very well, thank God, and able to do a little. I wouldn't have been what I am now but for the care of this dear little nurse."

Polly was quite pleased with the compliment, and made a liberal offer to supply more tea to any of the company who might want it.

All this, and a great deal more, was corroborated by every one present; moreover, it was told them that there were many other claims which had suddenly turned out well, and that the whole aspect of these diggings had changed for the better.

"And what of Mr Luke?" asked Jack, glancing round the circle.

"Gone," said the captain, "nobody knows where. He became gloomier and stranger than ever after you went away, and one morning announced his intention to leave us and return to San Francisco. He left, and has not been heard of since. Bob Corkey, too, is off. He got restless and disappointed at our bad luck, said he'd go away prospectin' on his own hook, and went."

"Good luck go with him! He was altogether too fond of argifying," said Simon O'Rook.

"He's not the only one," remarked Baldwin Burr, with a grin.

After much consideration and consultation, it was agreed that, in the meantime, the party should remain where they were, and, when their claims began to fail, go off to Grizzly Bear Gulch.

This being decided, Jacob Buckley rose, saying that he was going to visit his friends at Higgins' store. Jack followed him. When they were alone he said—

"Now, Jacob, don't go, there's a good fellow. You saved my life, I may say, and that gives me a claim on you." Buckley frowned, but said nothing. "If you get among your old mates," continued Jack, "and begin to taste, you're a gone man. God has been very good to us. He has made us rich. We may live to be useful, Jacob. Think of it."

A half sarcastic smile flitted over Buckley's face as he said, "You didn't use to be a preacher, Jack; what makes you now so keen to save me, as you call it?"

"I'm not sure what it is that makes me anxious now," replied Jack, "but I know what made me anxious at first. It was your poor brother Daniel. That night he died, when he whispered in my ear, it was to make me promise to save you from drink and gambling if I could."

"Did he?" exclaimed the miner vehemently, as he clenched his hands. "O Dan! dear Dan, did you say that at such an hour? Look you, Jack," he added, turning sharply round, "I'll not go near the store, and if I am saved it is Dan who has done it, mind that—not you."

And Buckley held to his word. For months after that he worked with the Samson party—as it was styled—and never once tasted a drop of anything stronger than tea.

During all that time success continued, but Philosopher Jack felt in his heart that no success in digging up gold was at all comparable to that of working with the Lord in helping a brother-sinner to turn from the error of his ways.

As their wealth accumulated, the different members of the party converted it into cash, sent some of it home to the assistance of friends or relatives, and the rest for safe and remunerative investment. For the latter purpose they committed it to the care of Mr Wilkins senior, who, being a trusty and well-known man of business, was left to his own discretion in the selection of investments. Simon O'Rook, however, did not follow the example of his friends. He preferred to keep his gold in his own hands, and, as its bulk increased, stowed it away in a small chest, which, for further security, he buried in a hole in the tent directly under his own sleeping corner.

In addition to his remittances to Mr Wilkins for investment, Edwin Jack sent large sums regularly to his father, for the purpose not only of getting him out of his difficulties, but of enabling him to extend his farming operations. The wheel of fortune, however, had turned upwards with Jack senior, and he did not require these sums, as we shall see.

While things were going on thus prosperously at the other side of the world, a wonderful change—intimately connected with gold—took place in the "Old Country", which materially altered the circumstances of some of those personages whose names have figured in our tale.



CHAPTER NINE.

TREATS OF A CATASTROPHE AND RUIN.

We return once again to the cottage on the Scottish Border. It is not quite so lowly as it was when first introduced to our readers. Although not extensively changed, there is a certain air of comfort and prosperity about it which gives it much the appearance of a dirty boy who has had his face washed and a suit of new clothes put on. It has been whitewashed and partially re-roofed. A trellis-work porch with creepers has been added. The garden bears marks of improvement, and in one part there are four little plots of flower-beds, so conspicuously different in culture and general treatment as to suggest the idea of four different gardens. Inside of Mr Jack's abode there are also many changes for the better. The rooms are better furnished than they used to be. Several cheap oleograph copies of beautiful pictures adorn the walls, and the best parlour, which used to be kept in a condition of deadly propriety for state occasions only, is evidently used in the course of daily life. A brand-new piano, with a pretty little girl seated before it, suggests advancing refinement, and the expression of the child's face, while she attempts the impossible task of stretching an octave, indicates despair. There is another little girl seated at a table darning with all the energy of a Martha-like character. She is engaged upon a pair of juvenile socks, which have apparently been worn last by a cart-horse. Books and drawing materials and mathematical instruments on the table betoken progressive education, and, in short, everything without and within the cottage tells, as we have said, of prosperity.

It must not be supposed, however, that all this is due to Philosopher Jack's good fortune and liberality. When the first letter came from California, telling of the safety of our hero and his friends, Mr Jack was indeed in great material distress, but there was no money in that letter. It was despatched from San Francisco at the time of the arrival of the party, along with letters from the other members, informing their various relations of their deliverance. But if the letter had contained tons of the finest gold it could not have added a feather's weight to the joy of the old couple, who, like the widow of Nain or the sisters of Bethany, had received their dear lost one direct from the Lord, and, as it were, back from the dead. Then, after an interval, came Captain Samson's letter enclosing the bill for 1000 pounds, and explaining why Philosopher Jack himself did not write with it. Mr Jack senior thankfully used two hundred of the amount, which was quite sufficient to extricate him from all his difficulties. The balance he put into the nearest bank, to be kept for "the dear boy" on his return.

From that date God sent prosperity to the cottage on the Border. Flocks increased, seasons were no longer bad, grey mares no longer broke their legs, turnips throve, and, in short, everything went well, so that, instead of using the large sums of money which his son frequently sent him, Mr Jack placed them all to "dear Teddie's" credit in the bank.

In one of these letters, his son mentioned that he had sent still larger sums to the care of Mr Wilkins senior, to be invested for himself. Mr Jack, having consulted with his faithful spouse, drew his son's gifts from the local bank, went to the city of Blankow, called on Mr Wilkins, and desired him to invest the money in the same concern with the rest. Mr Wilkins purchased shares with it in the Blankow Bank, telling Mr Jack that he considered it one of the best and safest investments in Scotland, that he had invested in it all the funds sent home by his own son and his comrades, and that he himself was a large shareholder. Thus did Mr Jack senior act with all the gifts that Jack junior sent him, saying to Mr Wilkins on each occasion, that, though the dear boy meant him to use the money, he had no occasion to do so, as the Lord had prospered him of late, and given him enough and to spare.

We re-introduce the Jack family to the reader at breakfast-time, not because that was the only noteworthy period of their day, but because it was the time when the parents of the family were wont to talk over the daily plans.

Mr Jack went to the door and shouted, "Breakfast!" in a sonorous tone. Instantly the octave was abandoned and the socks were dropped. Next moment there was a sound like the charge of a squadron of cavalry. It was the boys coming from the farm-yard. The extreme noise of the family's entry was rendered fully apparent by the appalling calm which ensued when Mr Jack opened the family Bible, and cleared his throat to begin worship. At breakfast the noise began again, but it was more subdued, appetite being too strong for it. In five minutes Dobbin was up to the eyes in a treacle-piece. This was a good opportunity for conversation.

"Maggie," said Mr Jack, looking up from his plate, "the last bill sent us from the diggin's by the dear boy makes the sum in my hands up to two thousand pounds. I'll go to town to-day and give it to Mr Wilkins to invest as usual."

"Very weel, John," replied Mrs Jack, "but it's been runnin' in my mind that it's no that safe to pit a' yer eggs in the same basket. Maybe ye might invest it in somethin' else."

"That's true, Maggie, we shall see," said Mr Jack, who was at all times a man of few words. As Dobbin became at the moment clamorous for more food, nothing further was said on the subject.

Arrived in the city, John Jack made his way to the office of Mr Wilkins. He found that gentleman with an expression of unwonted resignation on his countenance.

"I've brought you more money to invest, Mr Wilkins," said John Jack, sitting down after wiping his forehead, and producing a fat pocketbook; "I thought of doin' it in the old way, but my wife and I have been thinkin' that perhaps it might be wise to put some of the eggs in another basket."

A very sad and peculiar smile flitted for a moment across Mr Wilkins's face. "It is plain that you have not heard of the disastrous failure," he said. "Only last week the Blankow Bank suspended payment, and if the reports as to its liabilities be true, the result will be widespread ruin throughout the country."

"Do you mean to say that the Bank has failed?" asked Mr Jack, anxiously.

"Yes, and it is feared that most of the shareholders will be ruined. I am one, you know."

"Will you be ruined, Mr Wilkins?"

"I fear that the first call will be more than I can meet. I trust that you are not personally involved."

"No, thank God, I'm not," said Mr Jack, with an increasingly anxious look. "But tell me, Mr Wilkins—for I don't understand banking matters very well—is my son's money all gone?"

"All," returned Mr Wilkins sadly, "and all that my own son has invested, as well as that of his friends!"

"How was it, sir," asked Mr Jack, in a reproachful tone, "that you were so confident in recommending the investment?"

"Because I thoroughly believed in the soundness of the bank and in the character of its directors. Investing my own funds so largely in its stock proves how I trusted it. But I was mistaken. It is a mystery which I cannot solve. Perhaps, when the examination of its affairs is completed, light may be thrown on the subject. I hope that no more of your relations or friends have stock in it?"

"None that I know of, except indeed my poor friend Mrs Niven, who was my son's landlady when he was at college. I'll go and inquire about her."

Mr Jack thrust the fat pocket-book into a breast pocket, and buttoned up his coat with the determined air of a man who means to keep hold of what he has got.

Bidding Mr Wilkins good-bye, he walked rapidly to Mrs Niven's house and pulled the bell rather violently. The summons was promptly answered by Peggy, who ushered him into a little parlour, where he was quickly joined by Mrs Niven.

"I'm very sorry to hear the bad news," said Mr Jack, pressing the good woman's hand in sympathy.

"What bad news?" asked Mrs Niven, in alarm.

"The bank, you know," said Mr Jack. "It's very hard, and to think that you're in the same boat with my dear boy, whose fortune is wrecked—"

A little scream stopped him, for the word "wrecked" struck a chill to the poor woman's heart.

"What! wrecked again?" she cried, "on a bank, in a boat? Oh! don't tell me, don't tell me that he's drownded."

"No, no," cried Mr Jack, hastening to relieve her mind, while he supported her to a chair; "no, no; my dear boy's all right. It's the Blankow Bank I mean that's gone to wreck, you know, and all his money with it, and yours too, I suppose, for you told me you had shares in that bank."

"Oh! as to that," said Mrs Niven, greatly relieved, "you may mak' yer mind easy. I've got nae shares intilt noo. I selt them through Mr Black lang syne. He's a douce, clever, honest felly—a relation o' mine, and a first-rate business man; but for him I'd hae lost my siller, nae doot. He warned me that the bank was nae a right ane, and advised me to sell."

Mr Jack thought that such a clever, disinterested man-of-business, and a relation of Mrs Niven, might be just the person to give him sound advice at this crisis; he therefore obtained his address, and, after a long chat with the good woman, who would have listened for hours to the adventures of her "bonny lodger," took his departure, and in due time stood at the door of the dirty little office.

The dirty clerk ushered the visitor into the presence of Mr Black, whose presence was more repulsive than it used to be. He received Mr Jack rather gruffly, and asked his business.

"Oho! an eccentric character, gruff but honest," thought Mr Jack, who began by saying that he had just come from visiting his friend Mrs Niven.

Mr Black's face grew almost green at the name, and his brows scowled fiercely.

"Strange look for an honest, kindly man," thought Mr Jack, "but we must never judge from the outward appearance;" then he said aloud, "I went to see her about that bank failure—"

"Ha!" growled Mr Black, interrupting, "but for that woman, and that—" he checked himself and said, "but you came here on some matter of business, I suppose. Will you state it?"

"A very eccentric man indeed, remarkably so, for a kindly, honest man," thought Mr Jack; but he only said, "I came here to consult you about the investment of two thousand pounds—"

"Oh! indeed," said Mr Black, in quite an altered tone, as he rose and politely offered his visitor a chair.

"But," continued Mr Jack, rebuttoning his greatcoat which he had partly opened, "but, sir, I have changed my mind, and bid you good-day."

So saying, he went out, leaving Mr Black standing at the door in stupid amazement and his dirty clerk agonising with suppressed laughter behind his desk. Mr Black had been groaning and growling all the day at the thoughts of the ruin which had overtaken him—thoughts which were embittered by the knowledge that he had drawn it on himself through the instrumentality of Mrs Niven. The climax of Mr Jack's visit did not tend to restore him. Recovering from his amazement, and observing the condition of the clerk, he suddenly hurled the cash-book at him. Cleverly dodging it, the dirty little creature bolted from the office, and banged the door behind him.

Meanwhile Mr Jack cashed his last bill of exchange, returned home, and presented his wife with a bag of gold, which she deposited in the darkest recesses of the great family chest.