Chapter 10

"Pony, this is mysterious. I guess you're not afraid I will flunk out. I'm ready to meet you on any terms and for any stake."

"Enough said. I'll let you know some of the particulars as soon as I find out all I want myself. Good-night."

"Good-night to you, rather," said Bert, as Mellish helped him on with his overcoat. "You've won the pile: robbing a poor man of his hard- earned gains!"

"Oh, the poor man does not need the money as badly as I do. Besides, I'm going to give you a chance to win it all back again and more."

When Ragstock had left, Pony still sat by the table absent-mindedly shuffling the cards.

"If I were you," said Mellish, laying his hand on his shoulder, "I would put that pile in the bank and quit."

"The faro bank?" asked Pony, looking up with a smile.

"No, I'd quit the business altogether if I were you. I'm going to myself."

"Oh, we all know that. You've been going to quit for the last twenty years. Well, I'm going to quit, too, but not just yet. That's what they all say, of course, but I mean it."

In the early and crisp winter air Pony Rowell walked to the Metropolitan Hotel and to bed. At 3 that afternoon the man he had an appointment with, called to see him.

"You wanted to see me about an Insurance policy," the visitor began. An agent is always ready to talk of business. "Now, were you thinking of an endowment scheme or have you looked into our new bond system of insurance? The twenty-pay-life style of thing seems to be very popular."

"I want to ask you a few questions," said Pony. "If I were to insure my life in your company and were to commit suicide would that invalidate the policy?"

"Not after two years. After two years, in our company, the policy is incontestable."

"Two years? That won't do for me. Can't you make it one year?"

"I'll tell you what I will do," said the agent, lowering his voice, "I can ante-date the policy, so that the two years will end just when you like, say a year from now."

"Very well. If you can legally fix it so that the two years come to an end about this date next year I will insure in your company for $100,000."

The agent opened his eyes when the amount was mentioned.

"I don't want endowments or bonds, but the cheapest form of life insurance you have, and----"

"Straight life is what you want."

"Straight life it is, then, and I will pay you for the two years or say, to make it sure, for two years and a half down, when you bring me the papers."

Thus it was that with part of the money he had won, Pony Rowell insured his life for $100,000, and with another part he paid his board and lodging for a year ahead at the Metropolitan Hotel.

The remainder he kept to speculate on.

During the year that followed he steadily refused to play with Bert Ragstock, and once or twice they nearly had a quarrel about it--that is as near as Pony could come to having a row with anybody, for quarrelling was not in his line. If he had lived in a less civilized part of the community Pony might have shot, but as it was quarrels never came to anything, therefore he did not indulge in any.

"A year from the date of our last game? What nonsense it is waiting all that time. You play with others, why not with me? Think of the chances we are losing," complained Bert.

"We will have a game then that will make up for all the waiting," answered Rowell.

At last the anniversary came and when the hour struck that ushered it in Pony Rowell and Bert Ragstock sat facing each other, prepared to resume business on the old stand.

"Ah," said Bert, rubbing his hands, "it feels good to get opposite you once more. Pony, you're a crank. We might have had a hundred games like this during the past year, if there wasn't so much superstition about you."

"Not quite like this. This is to be the last game I play, win or lose. I tell you that now, so that there won't be any talk of revenge if I win."

"You don't mean it! I've heard talk like that before."

"All right. I've warned you. Now I propose that this be a game of pure luck. We get a new pack of cards, shuffle them, cut, then you pull one card and I another. Ace high. The highest takes the pot. Best two out of three. Do you agree?"

"Of course. How much is the pile to be?"

"One hundred thousand dollars."

"Oh, you're dreaming."

"Isn't it enough?"

"Thunder! You never _saw_ $100,000."

"You will get the money if I lose."

"Say, Pony, that's coming it a little strong. One hundred thousand dollars! Heavens and earth! How many business men in this whole city would expect their bare word to be taken for $100,000?"

"I'm not a business man. I'm a gambler."

"True, true. Is the money in sight?"

"No; but you'll be paid. Your money is not in sight. I trust you. Can't you trust me?

"It isn't quite the same thing, Pony. I'll trust you for three times the money you have in sight, but when you talk about $100,000 you are talking of a lot of cash."

"If I can convince Mellish here that you will get your money, will you play?"

"You can convince me just as easily as you can Mellish. What's the use of dragging him in?"

"I could convince you in a minute, but you might still refuse to play. Now I'm bound to play this game and I can't take any risks. If my word and Mellish's isn't good enough for you, why, say so."

"All right," cried Bert. "If you can convince Mellish that you will pay if you lose I'll play you."

Rowell and Mellish retired into an inner room and after a few minutes reappeared again.

Mellish's face was red when he went in. He was now a trifle pale.

"I don't like this, Bert," Mellish said, "and I think this game had better stop right here."

"Then you are not convinced that I am sure of my money?"

"Yes, I am, but----"

"That's enough for me. Get out your new pack."

"You've given your word, Mellish," said Pony, seeing the keeper of the house was about to speak. "Don't say any more."

"For such a sum two out of three is too sudden. Make it five out of nine," put in Bert.

"I'm willing."

The new pack of cards was brought and the wrappings torn off.

"You shuffle first; I'll cut," said Rowell. His lips seemed parched and he moistened them now and then, which was unusual for so cool a gambler. Mellish fidgeted around with lowered brow. Bert shuffled the cards as nonchalantly as if he had merely a $5 bill on the result. When each had taken a card, Bert held an ace and Pony a king. Pony shuffled and the turn up was a spot in Pony's hand and queen in that of his opponent. Bert smiled and drops began to show on Pony's forehead in spite of his efforts at self-control. No word was spoken by either players or onlookers. After the next deal Pony again lost. His imperturbability seemed to be leaving him. He swept the cards from the table with an oath. "Bring another pack," he said hoarsely.

Bert smiled at him across the table. He thought, of course, that they were playing for even stakes.

Mellish couldn't stand it any longer. He retired to one of the inner rooms. The first deal with the new pack turned in Pony's favor and he seemed to feel that his luck had changed, but the next deal went against him and also the one following.

"It's your shuffle," said Rowell, pushing the cards towards his opponent. Bert did not touch the cards, but smiled across at the gambler.

"What's the matter with you? Why don't you shuffle?"

"I don't have to," said Bert, quietly, "I've won five."

Rowell drew his hand across his perspiring brow and stared at the man across the table. Then he seemed to pull himself together.

"So you have," he said, "I hadn't noticed it. Excuse me. I guess I'll go now."

"Sit where you are and let us have a game for something more modest. I don't care about these splurges myself and I don't suppose you do-- now."

"Thanks, no. I told you this was my last game. As to the splurge, if I had the money I would willingly try it again. So long."

When Mellish came in and saw that the game was over he asked where Pony was.

"He knew when he had enough, I guess," answered Bert. "He's gone home."

"Come in here, Bert. I want to speak with you," said Mellish.

When they were alone Mellish turned to him.

"I suppose Pony didn't tell you where the money is to come from?"

"No, he told you. That was enough for me."

"Well, there's no reason why you should not know now. I promised silence till the game was finished. He's insured his life for $100,000 and is going to commit suicide so that you may be paid."

"My God!" cried Bert, aghast. "Why did you let the game go on?"

"I tried to stop it, but I had given my word and you----"

"Well, don't let us stand chattering here. He's at the Metropolitan, isn't he? Then come along. Hurry into your coat."

Mellish knew the number of Rowell's room and so no time was lost in the hotel office with inquiries. He tried the door, but, as he expected, it was locked.

"Who's that?" cried a voice within.

"It's me--Mellish. I want to speak with you a moment."

"I don't want to see you."

"Bert wants to say something. It's important. Let us in."

"I won't let you in. Go away and don't make a fuss. It will do no good. You can get in ten minutes from now."

"Look here, Pony, you open that door at once, or I'll kick it in. You hear me? I want to see you a minute, and then you can do what you like," said Bert, in a voice that meant business.

After a moment's hesitation Rowell opened the door and the two stepped in. Half of the carpet had been taken up and the bare floor was covered with old newspapers. A revolver lay on the table, also writing materials and a half-finished letter. Pony was in his shirt sleeves and he did not seem pleased at the interruption.

"What do you want?" he asked shortly.

"Look here, Pony," said Bert, "I have confessed to Mellish and I've come to confess to you. I want you to be easy with me and hush the thing up. I cheated. I stocked the cards."

"You're a liar," said Rowell, looking him straight in the eye.

"Don't say that again," cried Ragstock, with his fingers twitching. "There's mighty few men I would take that from."

"You stocked the cards on me? I'd like to see the man that could do it!"

"You were excited and didn't notice it."

"You're not only a liar, but you're an awkward liar. I have lost the money and I'll pay it. It would have been ready for you now, only I had a letter to write. Mellish has told you about the insurance policy and my will attached to it. Here they are. They're yours. I'm no kicker. I know when a game's played fair."

Bert took the policy and evidently intended to tear it in pieces, while Mellish, with a wink at him, edged around to get at the revolver. Ragstock's eye caught the name in big letters at the head of the policy, beautifully engraved. His eyes opened wide, then he sank into a chair and roared with laughter. Both the other men looked at him in astonishment.

"What's the matter?" asked Mellish.

"Matter? Why, this would have been a joke on Pony. It would do both of you some good to know a little about business as well as of gambling. The Hardfast Life Insurance Company went smash six months ago. It's the truth this time, Pony, even if I didn't stock the cards. Better make some inquiries in business circles before you try to collect any money from this institution. Now, Pony, order up the drinks, if anything can be had at this untimely hour. We are your guests so you are expected to be hospitable. I've had all the excitement I want for one night. We'll call it square and begin over again."

"WHERE IGNORANCE IS BLISS."

The splendid steamship Adamant, of the celebrated Cross Bow line, left New York on her February trip under favorable auspices. There had just been a storm on the ocean, so there was every chance that she would reach Liverpool before the next one was due.

Capt. Rice had a little social problem to solve at the outset, but he smoothed that out with the tact which is characteristic of him. Two Washington ladies--official ladies--were on board, and the captain, old British sea-dog that he was, always had trouble in the matter of precedence with Washington ladies. Capt. Rice never had any bother with the British aristocracy, because precedence is all set down in the bulky volume of "Burke's Peerage," which the captain kept in his cabin, and so there was no difficulty. But a republican country is supposed not to meddle with precedence. It wouldn't, either, if it weren't for the women.

So it happened that Mrs. Assistant-Attorney-to-the-Senate Brownrig came to the steward and said that, ranking all others on board, she must sit at the right hand of the captain. Afterwards Mrs. Second-Adjutant-to- the-War-Department Digby came to the same perplexed official and said she must sit at the captain's right hand because in Washington she took precedence over everyone else on board. The bewildered steward confided his woes to the captain, and the captain said he would attend to the matter. So he put Mrs. War-Department on his right hand and then walked down the deck with Mrs. Assistant-Attorney and said to her:

"I want to ask a favor, Mrs. Brownrig. Unfortunately I am a little deaf in the right ear, caused, I presume, by listening so much with that ear to the fog horn year in and year out. Now, I always place the lady whose conversation I wish most to enjoy on my left hand at table. Would you oblige me by taking that seat this voyage? I have heard of you, you see, Mrs. Brownrig, although you have never crossed with me before."

"Why, certainly, captain," replied Mrs. Brownrig; "I feel especially complimented."

"And I assure you, madam," said the polite captain, "that I would not for the world miss a single word that," etc.

And thus it was amicably arranged between the two ladies. All this has nothing whatever to do with the story. It is merely an incident given to show what a born diplomat Capt. Rice was and is to this day. I don't know any captain more popular with the ladies than he, and besides he is as good a sailor as crosses the ocean.

Day by day the good ship ploughed her way toward the east, and the passengers were unanimous in saying that they never had a pleasanter voyage for that time of the year. It was so warm on deck that many steamer chairs were out, and below it was so mild that a person might think he was journeying in the tropics. Yet they had left New York in a snow storm with the thermometer away below zero.

"Such," said young Spinner, who knew everything, "such is the influence of the Gulf Stream."

Nevertheless when Capt. Rice came down to lunch the fourth day out his face was haggard and his look furtive and anxious.

"Why, captain," cried Mrs. Assistant-Attorney, you look as if you hadn't slept a wink last night."

"I slept very well, thank you, madam." replied the captain. "I always do."

"Well, I hope your room was more comfortable than mine. It seemed to me too hot for anything. Didn't you find it so, Mrs. Digby?"

"I thought it very nice," replied the lady at the captain's right, who generally found it necessary to take an opposite view from the lady at the left.

"You see," said the captain, "we have many delicate women and children on board and it is necessary to keep up the temperature. Still, perhaps the man who attends to the steam rather overdoes it. I will speak him."

Then the captain pushed from him his untasted food and went up on the bridge, casting his eye aloft at the signal waving from the masthead, silently calling for help to all the empty horizon.

"Nothing in sight, Johnson?" said the captain.

"Not a speck, sir."

The captain swept the circular line of sea and sky with his glasses, then laid them down with a sigh.

"We ought to raise something this afternoon, sir," said Johnson; "we are right in their track, sir. The Fulda ought to be somewhere about."

"We are too far north for the Fulda, I am afraid," answered the captain.

"Well, sir, we should see the Vulcan before night, sir. She's had good weather from Queenstown."

"Yes. Keep a sharp lookout, Johnson."

"Yes, sir."

The captain moodily paced the bridge with his head down.

"I ought to have turned back to New York," he said to himself.

Then he went down to his own room, avoiding the passengers as much as he could, and had the steward bring him some beef-tea. Even a captain cannot live on anxiety.

"Steamer off the port bow, sir," rang out the voice of the lookout at the prow. The man had sharp eyes, for a landsman could have seen nothing.

"Run and tell the captain," cried Johnson to the sailor at his elbow, but as the sailor turned the captain's head appeared up the stairway. He seized the glass and looked long at a single point in the horizon.

"It must be the Vulcan," he said at last.

"I think so, sir."

"Turn your wheel a few points to port and bear down on her."

Johnson gave the necessary order and the great ship veered around.

"Hello!" cried Spinner, on deck. "Here's a steamer. I found her. She's mine."

Then there was a rush to the side of the ship. "A steamer in sight!" was the cry, and all books and magazines at once lost interest. Even the placid, dignified Englishman who was so uncommunicative, rose from his chair and sent his servant for his binocular. Children were held up and told to be careful, while they tried to see the dim line of smoke so far ahead.

"Talk about lane routes at sea," cried young Spinner, the knowing. "Bosh, I say. See! we're going directly for her. Think what it might be in a fog! Lane routes! Pure luck, I call it."

"Will we signal to her, Mr. Spinner?" gently asked the young lady from Boston.

"Oh, certainly," answered young Spinner. "See there's our signal flying from the masthead now. That shows them what line we belong to."

"Dear me, how interesting," said the young lady. "You have crossed many times, I suppose, Mr. Spinner."

"Oh, I know my way about," answered the modest Spinner.

The captain kept the glasses glued to his eyes. Suddenly he almost let them drop.

"My God! Johnson," he cried.

"What is it, sir?"

"_She's_ flying a signal of distress, _too_!"

The two steamers slowly approached each other and, when nearly alongside and about a mile apart, the bell of the Adamant rang to stop.

"There, you see," said young Spinner to the Boston girl, "she is flying the same flag at her masthead that we are."

"Then she belongs to the same line as this boat?"

"Oh, certainly," answered Mr. Cock-Sure Spinner.

"Oh, look! look! look!" cried the enthusiastic Indianapolis girl who was going to take music in Germany.

Everyone looked aloft and saw running up to the masthead a long line of fluttering, many-colored flags. They remained in place for a few moments and then fluttered down again, only to give place to a different string. The same thing was going on on the other steamer.

"Oh, this is too interesting for anything," said Mrs. Assistant. "I am just dying to know what it all means. I have read of it so often but never saw it before. I wonder when the captain will come down. What does it all mean?" she asked the deck steward.

"They are signalling to each other, madam."

"Oh, I know _that_. But what _are_ they signalling?"

"I don't know, madam."

"Oh, see! see!" cried the Indianapolis girl, clapping her hands with delight. "The other steamer is turning round."

It was indeed so. The great ship was thrashing the water with her screw, and gradually the masts came in line and then her prow faced the east again. When this had been slowly accomplished the bell on the Adamant rang full speed ahead, and then the captain came slowly down the ladder that led from the bridge.

"Oh, captain, what does it all mean?"

"Is she going back, captain? Nothing wrong, I hope."

"What ship is it, captain?"

"She belongs to our line, doesn't she?"

"Why is she going back?"

"The ship," said the captain slowly, "is the Vulcan, of the Black Bowling Line, that left Queenstown shortly after we left New York. She has met with an accident. Ran into some wreckage, it is thought, from the recent storm. Anyhow there is a hole in her, and whether she sees Queenstown or not will depend a great deal on what weather we have and whether her bulkheads hold out. We will stand by her till we reach Queenstown."

"Are there many on board, do you think, captain?"

"There are thirty-seven in the cabin and over 800 steerage passengers," answered the captain.

"Why don't you take them on board, out of danger, captain?"

"Ah, madam, there is no need to do that. It would delay us, and time is everything in a case like this. Besides, they will have ample warning if she is going down and they will have time to get everybody in the boats. We will stand by them, you know."

"Oh, the poor creatures," cried the sympathetic Mrs. Second-Adjutant. "Think of their awful position. May be engulfed at any moment. I suppose they are all on their knees in the cabin. How thankful they must have been to see the Adamant."

On all sides there was the profoundest sympathy for the unfortunate passengers of the Vulcan. Cheeks paled at the very thought of the catastrophe that might take place at any moment within sight of the sister ship. It was a realistic object lesson on the ever-present dangers of the sea. While those on deck looked with new interest at the steamship plunging along within a mile of them, the captain slipped away to his room. As he sat there there was a tap at his door.

"Come in," shouted the captain.

The silent Englishman slowly entered.

"What's wrong, captain," he asked.

"Oh, the Vulcan has had a hole stove in her and I signalled----"

"Yes, I know all that, of course, but what's wrong _with us_?"

"With us?" echoed the captain blankly.

"Yes, with the Adamant? What has been amiss for the last two or three days? I'm not a talker, nor am I afraid any more than you are, but I want to know."

"Certainly," said the captain. "Please shut the door, Sir John."

* * * * *

Meanwhile there was a lively row on board the Vulcan. In the saloon Capt. Flint was standing at bay with his knuckles on the table.

"Now what the devil's the meaning of all this?" cried Adam K. Vincent, member of Congress.

A crowd of frightened women were standing around, many on the verge of hysterics. Children clung, with pale faces, to their mother's skirts, fearing they knew not what. Men were grouped with anxious faces, and the bluff old captain fronted them all.

"The meaning of all _what_, sir?"

"You know very well. What is the meaning of our turning-round?"

"It means, sir, that the Adamant has eighty-five saloon passengers and nearly 500 intermediate and steerage passengers who are in the most deadly danger. The cotton in the hold is on fire, and they have been fighting it night and day. A conflagration may break out at any moment. It means, then, sir, that the Vulcan is going to stand by the Adamant."

A wail of anguish burst from the frightened women at the awful fate that might be in store for so many human beings so near to them, and they clung closer to their children and thanked God that no such danger threatened them and those dear to them.

"And dammit, sir," cried the Congressman, "do you mean to tell us that we have to go against our will--without even being consulted--back to Queenstown?"

"I mean to tell you so, sir."

"Well, by the gods, that's an outrage, and I won't stand it, sir. I must be in New York by the 27th. I won't stand it, sir."

"I am very sorry, sir, that anybody should be delayed."

"Delayed? Hang it all, why don't you take the people on board and take 'em to New York? I protest against this. I'll bring a lawsuit against the company, sir."

"Mr. Vincent," said the captain sternly, "permit me to remind you that _I_ am captain of this ship. Good afternoon, sir."

The Congressman departed from the saloon exceeding wroth, breathing dire threats of legal proceedings against the line and the captain personally, but most of the passengers agreed that it would be an inhuman thing to leave the Adamant alone in mid-ocean in such terrible straits.