Now, in that state of things, on the 27th of October, Palmer, in answer to an urgent demand upon him for money on the ground of the security becoming doubtful, came up to London, and Pratt insisted that, in respect of one of those bills of £2000 which had just become due, as Palmer could not pay it, he should pay instalments upon it in addition to the enormous interest which he charged; and it was agreed at that interview of the 22nd of October that £250 should be paid down, £250 paid on the 31st of October, and that as soon after as possible a further sum of £300 should be paid, making in the whole a payment on account of that bill of £800 to quiet Pratt, or, as Pratt said, to quiet his clients, and induce them to let the bill stand over. On the 9th of November that £300 was paid, and, when paid, a letter was written, which I beg your particular attention to, and you will see how closely and strongly it bears on the point to which I am now entreating your most anxious consideration; a letter of the 13th of November, that is the day when “Polestar” won the race, written by Pratt to Palmer, as follows:--“Dear Sir,--Curiously enough, I find that the great point of the office is, that your brother had delirium tremens more than once, say, three or four times before his life was accepted, and that actually their medical man, Dr. Hastings, reported against the life, as well as Dr. Wardell. I think I shall be able to get a copy of the proposal through a friend.” Palmer did not know what the proposal was, and therefore probably it had been made by his brother. “The opinions of several secretaries of insurance offices are that the company have not a leg to stand upon, and from the mere fact of the enormous premium, it is plain that the policy was effected on an extra rate of premium on account of the true statement of the condition of health of the assured. The enormous premium will go a great way to give us a verdict.” I do not like to read only one passage from a letter, lest by chance I should mislead, therefore I have read that portion of it; but now attend to this--“I count most positively on seeing you on Saturday; do for both our sakes try to make up the amount to £1000, for without it I shall be unable to renew the £1500 due on the 9th.” What does that mean? Pratt told us yesterday the three sums of £300, £250, and £250, and some other small amount, making up the sum of £800, were instalments payable on the bill overdue, and upon which Pratt had threatened to issue writs against Palmer’s mother, and Palmer had gone almost down on his knees to beg him not to do so; he said, “For God’s sake, do not think of writs.” Now, that £800 being paid, Pratt said, “I shall only credit you for £600; I must take £200 for the interest.” In his letter of the 13th of November he says, “Do for both our sakes try and make up the amount to a thousand”--that is, make the £800 up to a thousand pounds--“for without it I shall be unable to renew the £1500.