I do not know whether it was the reaction from the punch he had drunk, or the sudden shock of Vail's death, or the troubled conscience, or from all three, but when he got into bed he found himself shaking with nervousness. He had been asleep an hour, perhaps, when he heard a genuine Irish voice say, "Faix, mister, and is yer name Charley?" He started up--looked around the room. He had made so much concession to his nervous feeling that he had not turned the gas quite out, as was his custom. The dim duskiness made him shudder; he expected to see the Huckleberry Street Irish woman looking at him. But he shook off his terror a little, uttered another malediction on the man that invented Christmas ghost stories, concluded that his illusion must have come from his lying on his left side, turned over, and reflected that by so doing he would relieve his heart and stomach from the weight of his liver, repeated this physiological reflection in a soothing way two or three times, dropped off into a quiet snooze, and almost immediately found himself sitting bolt upright in bed, shaking with a chill terror, sure that the Irish voice had again asked the question, "Faix, mister, and is yer name Charley?" He had a feeling, though his back was toward the table, that some one sat at the table. Charley was no coward, but it took him a minute or two to shake off his terror and regain enough self-control to look around. For a moment he saw, or thought he saw, a form sitting at the table, then it disappeared, and then, after a good while, Charley got himself composed to sleep again, this time with his head well bolstered, to reduce the circulation in the brain, as he reflected. He did not get to sleep, however, for before he became unconscious the Irish voice from just above the carved headboard spoke out so clear now that there could be no mistake, "Faix, mister, and is yer name Charley?" It was then that he rose in bed and uttered the exclamation which I set down in the first line of this story. Charley Vanderhuyn could not tell whether he meant Charles Dickens or Nick. Perhaps you can. Indeed, it doesn't seem to matter much, after all. III. A narrative of this sort, like a French sermon, divides itself into three parts. I have now got through the preliminary tanglements of the history of the founding of the Christmas Club, and I hope to be able to tell the remainder of the story with as few digressions as possible, for at Christmastide a body doesn't want his stories to stretch out to eternity, even if they are ghostly.