He knew that I had not, but he wishes to show her to me; and I soon noted a difference as radical as it was diverting between this banker-yachtsman’s speech when he talked of affairs on land and when he attempted to deal with nautical matters. The clear, dispassionate finality of his tone when phosphates, or railroads, or navy yards, or imperial loans were concerned, left him, and changed to something very like a recitation of trigonometry well memorized but not at all mastered; he could do that particular sum, but you mustn’t stop him; and I concluded that I would rather have Charley for my captain during a panic in Wall Street than in a hurricane at sea. He, too, wore highly pronounced sea clothes of the ornamental kind; and though they fitted him physically, they hung baggily upon his unmarine spirit; giving him the air, as it were, of a broiled quail served on oyster shells. Beverly Rodgers, the consummate Beverly, was the only man of us whose clothes seemed to belong to him; he looked as if he could sail a boat. While the cabin boy continued to rush among the guests with siphons, ice, and fresh refreshments, Charley became the Hermana’s guidebook for me; and our interview gave me, I may say, entertainment unalloyed, although there lay all the while, beneath the entertainment, my sadness and concern about John. Charley was owner of the Hermana, there was no doubt of that; she had cost him (it was not long before he told me) fifty thousand dollars, and to run her it cost him a thousand a month. Yes, he was her owner, but there it stopped, no matter with how solemn a face he inspected each part of her, or spoke of her details; he was as much a passenger on her as myself; and this was as plain on the equally solemn faces of his crew, from the sailing-master down through the two quartermasters to the five deck-hands, as was the color of the Hermana’s stack, which was, of course, yellow. She was a pole-mast, schooner-rigged steam yacht, Charley accurately told me, with clipper bow and spiked bowsprit. “About a hundred tons?” I inquired. “Yes. A hundred feet long, beam twenty feet, and she draws twelve feet,” said Charley; and I thought I detected the mate listening to him. He now called my attention to the flags, and I am certain that I saw the sailing-master hide his mouth with his hand. Some of the deck-hands seemed to gather delicately nearer to us. “Sunday, of course,” I said; and I pointed to the Jack flying from a staff at the bow. But Charley did not wish me to tell him about the flags, he wished to tell me about the flags. “I am very strict about all this,” he said, his gravity and nauticality increasing with every word. “At the fore truck flies our club burgee.” I went through my part, giving a solemn, silent, intelligent assent. “That is my private signal at the main truck. It was designed by Miss Rieppe.” As I again intelligently nodded, I saw the boatswain move an elbow into the ribs of one of the quartermasters.