He said he had known young men go off to a boat race, or a cricket match, with pounds in their pocket, and come home, early in the afternoon, stone broke; having lost all their money at this demoralising game. He said he should take Mr. Coombes's half-crown, because it would teach Mr. Coombes a very useful lesson, and probably be the means of saving Mr. Coombes's money in the future; and he should give the two-and-sixpence to the blanket fund. "Don't you worry about that," retorted old Mr. Coombes. "Don't you take the half-crown OUT of the blanket fund: that's all." And he put his money on the middle card, and turned it up. Sure enough, it really was the queen! We were all very much surprised, especially the curate. He said that it did sometimes happen that way, though--that a man did sometimes lay on the right card, by accident. Our curate said it was, however, the most unfortunate thing a man could do for himself, if he only knew it, because, when a man tried and won, it gave him a taste for the so-called sport, and it lured him on into risking again and again; until he had to retire from the contest, a broken and ruined man. Then he did the trick again. Mr. Coombes said it was the card next the coal-scuttle this time, and wanted to put five shillings on it. We laughed at him, and tried to persuade him against it. He would listen to no advice, however, but insisted on plunging. Our curate said very well then: he had warned him, and that was all that he could do. If he (Mr. Coombes) was determined to make a fool of himself, he (Mr. Coombes) must do so. Our curate said he should take the five shillings and that would put things right again with the blanket fund. So Mr. Coombes put two half-crowns on the card next the coal- scuttle and turned it up. Sure enough, it was the queen again! After that, Uncle John had a florin on, and HE won. And then we all played at it; and we all won. All except the curate, that is. He had a very bad quarter of an hour. I never knew a man have such hard luck at cards. He lost every time. We had some more punch after that; and Uncle made such a funny mistake in brewing it: he left out the whisky. Oh, we did laugh at him, and we made him put in double quantity afterwards, as a forfeit. Oh, we did have such fun that evening! And then, somehow or other, we must have got on to ghosts; because the next recollection I have is that we were telling ghost stories to each other. TEDDY BIFFLES' STORY Teddy Biffles told the first story, I will let him repeat it here in his own words. (Do not ask me how it is that I recollect his own exact words-- whether I took them down in shorthand at the time, or whether he had the story written out, and handed me the MS. afterwards for publication in this book, because I should not tell you if you did. It is a trade secret.) Biffles called his story - JOHNSON AND EMILY OR THE FAITHFUL GHOST (Teddy Biffles' Story)