Having disposed of these three gentlemen, I flattered myself that I was temporarily done with the vexatious details of insurance, and I was getting ready to bank up one of the flowerbeds with black dirt when who should come along but another neighbor, and a very charming one, too--Angus Cameron Macleod? For two years we have been more or less intimate. Macleod combines many strangely diverse accomplishments. He executes the sword dance with singular grace, and he recites Robert Burns' poems and passages from "Marmion" by the yard, and with inspiring animation. Although I am in no sense a music critic, nor even a connoisseur, I will confess that I have often been actually transported with delight by neighbor Macleod's rendition of "The Campbells Are Coming" on the bagpipes. At the same time he is a skilful rhetorician and severe logician, as all who have heard his defence of Presbyterianism will testify, and I will concede that I never heard anything more absorbingly fascinating than his exposition of the honest and ennobling old doctrine of infant damnation. If you knew Macleod you 'd agree with me that he is a man of parts. "Now that your house is pretty nearly done," said Macleod, "you ought to take out some insurance in our company, the Bonny Thistle Marine of Inverness." "But gracious me!" I cried in astonishment. "Why should I take out any marine insurance on a _house_?" "For the very best reason in the world," answered Mr. Macleod. "Your house stands within two hundred yards of one of the fiercest inland seas of the world. Even now you can hear the tempestuous billows dashing wildly upon yonder treacherous sands, and you can see the surf madly reaching out as if to overwhelm this fair spot with its fatal fury. At any time a tidal wave is likely to sweep in from the frowning shores of Michigan. Fancy for one moment what would become of this beautiful but delicate fabric if that mighty lake were to burst its confines and surge in one vast wall in this direction! Has not the immortal Scott truly said: "Against the wrath of nature how vain the works of man? "My dear Baker, you certainly are too sensible a man to be blind to the security which is held out to you in this supreme moment of peril by the Bonny Thistle Marine of Inverness." I admit that I knew not what to say. I had never before suspected any of these dangers which, according to my friends, now seemed imminent. On the one hand our cherished new house was threatened by fire; on the other hand that same dear edifice seemed to be doomed to a watery grave. Under these conflicting threatenings what was an inexperienced man to do? Heaven be praised, my presence of mind did not desert me. I referred Mr. Macleod to Alice, as I had referred the others. It was her house, and she would have to be responsible for it against the devouring elements.