"A thousand dollars might, after all, spell heaven"; and he pondered it long and hard. As mere business, it would not have held his thought an hour; but as a way to bring the happy time more near, it filled his mind for days, but he told her nothing of it. It was in the blacksmith shop that the next step was suggested. John Higginbotham had the floor; as he entered, Jim heard him say to some one in the crowd: "I'm no betting man. As a deacon of the Church, I cannot countenance betting. As an insurance agent, however, I am quite ready, in all fairness, to negotiate your risk. You simply take out a policy on the--ah--event, reflecting your judgment of the probabilities You pay your premium--100 per cent, or whatever it is--and I, as your agent, place this risk with some established company, or responsible person sufficiently furnished with capital, to assume the liability. Then, as in the case of fire, or marine, or other insurance, the event decides the issue, and the insured draws his insurance in accordance with the terms, less the modest 5 per cent, that I receive for my perfectly legitimate trouble and expense." Jim had never seen it in that light before; he rather liked the idea. After all, he was heart and soul in the race His joy in Blazing Star was hardly less than it had been; and why not manifest it in a way which held in it the possibilities of the wealth he needed? Why not take out an insurance policy on Blazing Star's winning? He thought of it more and more, and a few days later when he was depressed for once, Belle out of town, and the gloomy prospect of college before him, he drew his precious five hundred dollars from the bank and took it to John Higginbotham to deposit as his premium on insurance that the white men's horse would win the race. He had a feeling that Belle would not approve. But he did not tell her about it, for he wanted to surprise her when he should walk proudly up and put in her hand the one thousand dollars that would surely be his. He felt sure, but not happy; his judgment said "go ahead"; his instincts called a halt; but he went ahead. Next day he went to Higginbotham. Hannah was there and a look from the deacon kept the Preacher quiet on the matter. When a chance came, the former said: "'Tain't so easy now, Jim. Every one knows the white men's horse is going to win, and there are no more even takers. I'm afraid the best I can do is offer you a two hundred and fifty dollar insurance with a five hundred dollar premium down, and your premium back, of course, if you collect the insurance, less my regular commission." "All right," said Jim, a little disappointed "let it go at that," and away he went. Hannah did not usually take a daily part in the office unless John was away; but something about Hartigan's visit prompted her to look more keenly through the books. It was her first knowledge of the new kind of "insurance" and she and John talked it out.