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an uproarious panic by the Crier's announcement that the great Titan was destroyed, and the papers of Europe and America were issuing extras giving the meager details of the arrival at New York of one boat-load of her people, this office had been crowded with weeping women and worrying men, who would ask, and remain to ask again, for more news. And when it came—a later cablegram,—giving the story of the wreck and the names of the captain, first officer, boatswain, seven sailors, and one lady passenger as those of the saved, a feeble old gentleman had raised his voice in a quavering scream, high above the sobbing of women, and said:

"My daughter-in-law is safe; but where is my son,—where is my son, and my grandchild?" Then he had hurried away, but was back again the next day, and the next. And when, on the tenth day of waiting and watching, he learned of another boat-load of sailors and children arrived at Gibraltar, he shook his head, slowly, muttering: "George, George," and left the room. That night, after telegraphing the consul at Gibraltar of his coming, he crossed the channel.

In the first tumultuous riot of inquiry, when underwriters had climbed over desks and each other to hear again of the wreck of the Titan, one—the noisiest of all, a corpulent, hook-nosed man with flashing black eyes—had broken away from the crowd and made his way to the Captain's room, where, after a draught of brandy, he had seated himself heavily, with a groan that came from his soul.

"Father Abraham," he muttered; "this will ruin me."

Others came in, some to drink, some to condole—all, to talk.

"Hard hit, Meyer?" asked one.

"Ten thousand," he answered, gloomily.

"Serve you right," said another, unkindly; "have more baskets for your eggs. Knew you'd bring up."

Though Mr. Meyer's eyes sparkled at this, he said nothing, but drank himself stupid and was assisted home by one of his clerks. From this on, neglecting his business—excepting to occasionally visit the bulletins—he spent his time in the Captain's room drinking heavily, and bemoaning his luck. On the tenth day he read with watery eyes, posted on the bulletin below the news of the arrival at Gibraltar of the second boat-load of people, the following:

"Life-buoy of Royal Age, London, picked up among wreckage in Lat. 45-20, N. Lon. 54-31, W. Ship Arctic, Boston, Capt. Brandt."

"Oh, mine good God," he howled, as he rushed toward the Captain's room.

"Poor devil—poor damn fool of an Israelite," said one observer to another. "He covered the whole of the Royal Age, and the biggest chunk of the Titan. It'll take his wife's diamonds to settle."

Three weeks later, Mr. Meyer was aroused from a brooding lethargy, by a crowd of shouting underwriters, who rushed into the Captain's room, seized him by the shoulders, and hurried him out and up to a bulletin.

"Read it, Meyer—read it. What d'you think of it?" With some difficulty he read aloud, while they watched his face:

"John Rowland, sailor of the Titan, with child passenger, name unknown, on board Peerless, Bath, at Christiansand, Norway. Both dangerously ill. Rowland speaks of ship cut in half night before loss of Titan."

"What do you make of it, Meyer—Royal Age, isn't it?" asked one.

"Yes," vociferated another, "I've figured back. Only ship not reported lately. Overdue two months. Was spoken same day fifty miles east of that iceberg."

"Sure thing," said others. "Nothing said about it in the captain's statement—looks queer."

"Vell, vwhat of it," said Mr. Meyer, painfully and stupidly: "dere is a collision clause in der Titan's policy; I merely bay the money to der steamship company instead of to der Royal Age beeple."

"But why did the captain conceal it?" they shouted at him. "What's his object—assured against collision suits?"

"Der looks of it, berhaps—looks pad."

"Nonsense, Meyer, what's the matter with you? Which one of the lost tribes did you spring from—you're like none of your race—drinking yourself stupid like a good Christian. I've got a thousand on the Titan, and if I'm to pay it I want to know why. You've got the heaviest risk and the brain to fight for it—you've got to do it. Go home, straighten up, and attend to this. We'll watch Rowland till you take hold. We're all caught."

They put him into a cab, took him to a Turkish bath, and then home.

The next morning he was at his desk, clear-eyed and clear-headed, and for a few weeks was a busy, scheming man of business.

CHAPTER XI

On a certain morning, about two months after the announcement of the loss of the Titan, Mr. Meyer sat at his desk in the Rooms, busily writing, when the old gentleman who had bewailed the death of his son in the Intelligence office tottered in and took a chair beside him.

"Good morning, Mr. Selfridge," he said, scarcely looking up; "I suppose you have come to see der insurance paid over. Der sixty days are up."

"Yes, yes, Mr. Meyer," said the old gentleman, wearily; "of course, as merely a stockholder, I can take no active part; but I am a member here, and naturally a little anxious. All I had in the world—even to my son and grandchild—was in the Titan."

"It is very sad, Mr. Selfridge; you have my deepest sympathy. I pelieve you are der largest holder of Titan stock—about one hundred thousand, is it not?"

"About that."

"I am der heaviest insurer; so Mr. Selfridge, this battle will be largely petween you and myself."

"Battle—is there to be any difficulty?" asked Mr. Selfridge, anxiously.

"Berhaps—I do not know. Der underwriters and outside companies have blaced matters in my hands and will not bay until I take der initiative. We must hear from one John Rowland, who, with a little child, was rescued from der berg and taken to Christiansand. He has been too sick to leave der ship which found him and is coming up der Thames in her this morning. I have a carriage at der dock and expect him at my office py noon. Dere is where we will dransact this little pizness—not here."

"A child—saved," queried the old gentleman; "dear me, it may be little Myra. She was not at Gibraltar with the others. I would not care—I would not care much about the money, if she was safe. But my son—my only son—is gone; and, Mr. Meyer, I am a ruined man if this insurance is not paid."

"And I am a ruined man if it is," said Mr. Meyer, rising. "Will you come around to der office, Mr. Selfridge? I expect der attorney and Captain Bryce are dere now." Mr. Selfridge arose and accompanied him to the street.

A rather meagerly-furnished private office in Threadneedle Street, partitioned off from a larger one bearing Mr. Meyer's name in the window, received the two men, one of whom, in the interests of good business, was soon to be impoverished. They had not waited a minute before Captain Bryce and Mr. Austen were announced and ushered in. Sleek, well-fed, and gentlemanly in manner, perfect types of the British naval officer, they bowed politely to Mr. Selfridge when Mr. Meyer introduced them as the captain and first officer of the Titan, and seated themselves. A few moments later brought a shrewd-looking person whom Mr. Meyer addressed as the attorney for the steamship company, but did not introduce; for such are the amenities of the English system of caste.

"Now then, gentlemen," said Mr. Meyer, "I pelieve we can broceed to pizness up to a certain point—berhaps further. Mr. Thompson, you have the affidavit of Captain Bryce?"

"I have," said the attorney, producing a document which Mr. Meyer glanced at and handed back.

"And in this statement, captain," he said, "you have sworn that der voyage was uneventful up to der moment of der wreck—that is," he added, with an oily smile, as he noticed the paling of the captain's face—"that nothing occurred to make der Titan less seaworthy or manageable?"

"That is what I swore to," said the captain, with a little sigh.

"You are part owner, are you not, Captain Bryce?"

"I own five shares of the company's stock."

"I have examined der charter and der company lists," said Mr. Meyer; "each boat of der company is, so far as assessments and dividends are concerned, a separate company. I find you are listed as owning two sixty-seconds of der Titan stock. This makes you, under der law, part owner of der Titan, and responsible as such."

"What do you mean, sir, by that word responsible?" said Captain Bryce, quickly.

For answer, Mr. Meyer elevated his black eyebrows, assumed an attitude of listening, looked at his watch and went to the door, which, as he opened, admitted the sound of carriage wheels.

"In here," he called to his clerks, then faced the captain.

"What do I mean, Captain Bryce?" he thundered. "I mean that you have concealed in your sworn statement all reference to der fact that you collided with and sunk the ship Royal Age on der night before the wreck of your own ship."

"Who says so—how do you know it?" blustered the captain. "You have only that bulletin statement of the man Rowland—an irresponsible drunkard."

"The man was lifted aboard drunk at New York," broke in the first officer, "and remained in a condition of delirium tremens up to the shipwreck. We did not meet the Royal Age and are in no way responsible for her loss."

"Yes," added Captain Bryce, "and a man in that condition is liable to see anything. We listened to his ravings on the night of the wreck. He was on lookout—on the bridge. Mr. Austen, the boats'n, and myself were close to him."

Before Mr. Meyer's oily smile had indicated to the flustered captain that he had said too much, the door opened and admitted Rowland, pale, and weak, with empty left sleeve, leaning on the arm of a bronze-bearded and manly-looking giant who carried little Myra on the other shoulder, and who said, in the breezy tone of the quarter-deck:

"Well, I've brought him, half dead; but why couldn't you give me time to dock my ship? A mate can't do everything."

"And this is Captain Barry, of der Peerless," said Mr. Meyer, taking his hand. "It is all right, my friend; you will not lose. And this is Mr. Rowland—and this is der little child. Sit down, my friend. I congratulate you on your escape."

"Thank you," said Rowland, weakly, as he seated himself; "they cut my arm off at Christiansand, and I still live. That is my escape."

Captain Bryce and Mr. Austen, pale and motionless, stared hard at this man, in whose emaciated face, refined by suffering to the almost spiritual softness of age, they hardly recognized the features of the troublesome sailor of the Titan. His clothing, though clean, was ragged and patched.

Mr. Selfridge had arisen and was also staring, not at Rowland, but at the child, who, seated in the lap of the big Captain Barry, was looking around with wondering eyes. Her costume was unique. A dress of bagging-stuff, put together—as were her canvas shoes and hat—with sail-twine in sail-makers' stitches, three to the inch, covered skirts and underclothing made from old flannel shirts. It represented many an hour's work of the watch-below, lovingly bestowed by the crew of the Peerless; for the crippled Rowland could not sew. Mr. Selfridge approached, scanned the pretty features closely, and asked:

"What is her name?"

"Her first name is Myra," answered Rowland. "She remembers that; but I have not learned her last name, though I knew her mother years ago—before her marriage."

"Myra, Myra," repeated the old gentleman; "do you know me? Don't you know me?" He trembled visibly as he stooped and kissed her. The little forehead puckered and wrinkled as the child struggled with memory; then it cleared and the whole face sweetened to a smile.

"Gwampa," she said.

"Oh, God, I thank thee," murmured Mr. Selfridge, taking her in his arms. "I have lost my son,

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