The day after the carnival Brewster drove his guests over to Monte Carlo. He meant to stay only long enough to try his luck at the tables and lose enough to make up for the days at sea when his purse was necessarily idle. Swearengen Jones was forgotten, and soon after his arrival he began to plunge. At first he lost heavily, and it was with difficulty that he concealed his joy. Peggy Gray was watching him, and in whispers implored him to stop, but Mrs. Dan excitedly urged him to continue until the luck changed. To the girl's chagrin it was the more reckless advice that he followed. In so desperate a situation he felt that he could not stop. But his luck turned too soon. "I can't afford to give up," he said, miserably, to himself, after a time. "I'm already a winner by five thousand dollars, and I must at least get rid of that." Brewster became the center of interest to those who were not playing and people marveled at his luck. They quite misunderstood his eagerness and the flushed, anxious look with which he followed each spin of the wheel. He had chosen a seat beside an English duchess whose practice it was to appropriate the winnings of the more inexperienced players, and he was aware that many of his gold pieces were being deliberately stolen. Here he thought was at least a helping hand, and he was on the point of moving his stack toward her side when DeMille interfered. He had watched the duchess, and had called the croupier's attention to her neat little method. But that austere individual silenced him by saying in surprise, "Mais c'est madame la duchesse, que voulez-vous?" Not to be downed so easily, DeMille watched the play from behind Monty's chair and cautioned his friend at the first opportunity. "Better cash in and change your seat, Monty. They're robbing you," he whispered. "Cash in when I'm away ahead of the game? Never!" and Monty did his best to assume a joyful tone. At first he played with no effort at system, piling his money flat on the numbers which seemed to have least chance of winning. But he simply could not lose. Then he tried to reverse different systems he had heard of, but they turned out to be winners. Finally in desperation he began doubling on one color in the hope that he would surely lose in the end, but his particular fate was against him. With his entire stake on the red the ball continued to fall into the red holes until the croupier announced that the bank was broken. Dan DeMille gathered in the money and counted forty thousand dollars before he handed it to Monty. His friends were overjoyed when he left the table, and wondered why he looked so downhearted. Inwardly he berated himself for not taking Peggy's advice. "I'm so glad for your sake that you did not stop when I asked you, Monty, but your luck does not change my belief that gambling is next to stealing," Peggy was constrained to say as they went to supper. "I wish I had taken your advice," he said gloomily.