Starratt refused to express any enthusiasm. Brauer sat down at a desk and drew out his check book. "I guess I might as well settle up for the other premiums I've collected," he said, "while I'm about it." He made out a long list of fire premiums and drew his check for their full amount, plus the workmen's compensation premium in his possession. But he took 5 per cent off the latter item. Starratt made no comment. But he was willing to stake his life that the check from the canning company to Brauer was for a full premium without any 5-per-cent reduction, and that Brauer, himself, was withholding this alleged rebate and applying it to making up the deficits on the fire premiums he had discounted. The next day Fred's friend said again: "Kendrick's doing some gum-shoe work, Starratt... You'd better go awful slow." With the coming of May other anxieties claimed Starratt's attention. Bills that he had forgotten or neglected began to pour in. There was his tailor bill, long overdue, and two accounts with dry-goods stores that Helen had run up in the days when the certainty of a fixed salary income had seemed sure. A dentist bill for work done in December made its appearance and, of course, the usual household expenditures went merrily on. The rent of their apartment was raised. Collections were slow. In March the commissions on collected premiums had just about paid the office rent and the telephone... April showed up better, but May, of course, held great promise. At the end of May the Hilmer premiums would be due and the firm of Starratt & Co. on its feet, with over two thousand dollars in commissions actually in hand. On the strength of these prospects Helen began to order a new outfit. Fred Starratt did not have the heart to complain. Helen had earned every stitch of clothing that she was buying--there was no doubt about that; still, he would have liked to be less hasty in her expenditures. He had been too long in business to count much on prospects. He disliked borrowing more money from Brauer, but there was no alternative. Brauer fell to grumbling quite audibly over these advances, and he saw to it that Fred's notes for the amounts always were forthcoming. Hilmer did not come in quite so often to the office; a rush of shipbuilding construction took him over to his yards in Oakland nearly every day. But Mrs. Hilmer was in evidence a good deal. Helen was constantly calling her up and asking her to drop downtown for luncheon or for a bit of noonday shopping uptown or just for a talk. "She's a dear!" Helen used to say to Fred. "And I just love her to death..."