"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.