from the payment made to him by his father-in-law. It was evident on that day to Sexty Parker that his partner was a man of great resources. Though things sometimes looked very bad, yet money always "turned up." Some of their buyings and sellings had answered pretty well. Some had been great failures. No great stroke had been made as yet, but then the great stroke was always being expected. Sexty's fears were greatly exaggerated by the feeling that the coffee and guano were not always real coffee and guano. His partner, indeed, was of opinion that in such a trade as this they were following there was no need at all of real coffee and real guano, and explained his theory with considerable eloquence. "If I buy a ton of coffee and keep it six weeks, why do I buy it and keep it, and why does the seller sell it instead of keeping it? The seller sells it because he thinks he can do best by parting with it now at a certain price. I buy it because I think I can make money by keeping it. It is just the same as though we were to back our opinions. He backs the fall. I back the rise. You needn't have coffee and you needn't have guano to do this. Indeed the possession of the coffee or the guano is only a very clumsy addition to the trouble of your profession. I make it my study to watch the markets;--but I needn't buy everything I see in order to make money by my labour and intelligence." Sexty Parker before his lunch always thought that his partner was wrong, but after that ceremony he almost daily became a convert to the great doctrine. Coffee and guano still had to be bought because the world was dull and would not learn the tricks of trade as taught by Ferdinand Lopez,--also possibly because somebody might want such articles,--but our enterprising hero looked for a time in which no such dull burden should be imposed on him. On this day, when the Duke's £500 was turned into the business, Sexty yielded in a large matter which his partner had been pressing upon him for the last week. They bought a cargo of Kauri gum, coming from New Zealand. Lopez had reasons for thinking that Kauri gum must have a great rise. There was an immense demand for amber, and Kauri gum might be used as a substitute, and in six months' time would be double its present value. This unfortunately was a real cargo. He could not find an individual so enterprising as to venture to deal in a cargo of Kauri gum after his fashion. But the next best thing was done. The real cargo was bought, and his name and Sexty's name were on the bills given for the goods. On that day he returned home in high spirits, for he did believe in his own intelligence and good fortune. CHAPTER XLIV Mr. Wharton Intends to Make a New Will