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when he is like that?" Tom remarked.

"He is that. He emptied a sax-shooter down the deck last bout he had, and nigh perforated the carpenter. Another time he scoots after the cook--chased him with a handspike in his hand right up the rigging to the cross-trees. If the cook hadn't slid down the backstay of the mast, he'd ha' been obeetuarised."

Tom could not refrain from laughing at the last expression. "That's a new word," he said.

"Ha!" his companion cried with great satisfaction, "it is, is it? Then we are quits now on the hypochondriacal." He was so pleased that he chuckled to himself for some minutes in the depths of his tawny beard. "Yes," he continued at last, "he is dangerous to us at times, and he is dangerous to you. This is atween oorsels, as man to man, and is said withoot prejudice, but he do go on when he is in they fits aboot the firm, and aboot insurances, and rotten ships, and ither such things, which is all vera well when sequestrated amang gentlemen like oorsels, but sounds awfu' bad when it fa's on the ignorant tympanums of common seamen."

"It's scandalous," Tom said gravely, "that he should spread such reports about his employer. Our ships are old, and some of them, in my opinion, hardly safe, but that's a very different thing from implying, as you hint, that Mr. Girdlestone wishes them to go down."

"We'll no argue aboot that," said the canny Scot. "Muster Girdlestone kens on which side his bread is buttered. He may wish 'em to sink or he may wish 'em to swim. That's no for us to judge. You'll hear him speak o't to-night as like as not, for he's aye on it when he's half over. Here we are, sir. The corner edifice wi' the red blinds in the window."

During this conversation the two had been threading their way through the intricate and dirty lanes which lead up from the water side to the outskirts of Stepney. It was quite dark by the time that they reached a long thoroughfare, lined by numerous shops, with great gas flares outside them. Many of these belonged to dealers in marine stores, and the numerous suits of oil-skin, hung up for exhibition, swung to and fro in the uncertain light, like rows of attenuated pirates. At every corner was a great public-house with glittering windows, and a crowd of slatternly women and jersey-clad men elbowing each other at the door. At the largest and most imposing of these gin-palaces the mate and Dimsdale now pulled up.

"Come in this way," said McPherson, who had evidently paid many a visit there before. Pushing open a swinging door, he made his way into the crowded bar, where the reek of bad spirits and the smell of squalid humanity seemed to Tom to be even more horrible than the effluvium of the grease-laden hold.

"Captain Miggs in?" asked McPherson of a rubicund, white-aproned personage behind the bar.

"Yes, sir. He's in his room, sir, and expectin' you. There's a gent with him, sir, but he told me to send you up. This way, sir."

They were pushing their way through the crowd to reach the door which led behind the bar, when Tom's attention was arrested by the conversation of a very seedy-looking individual who was leaning with his elbows upon the zinc-covered counter.

"You take my tip," he said to an elderly man beside him. "You stick to the beer. The sperits in here is clean poison, and it's a sin and a shame as they should be let sell such stuff to Christian men. See here--see my sleeve!" He showed the threadbare cuff of his coat, which was corroded away in one part, as by a powerful acid. "I give ye my word I done that by wiping my lips wi' it two or three times after drinkin' at this bar. That was afore I found out that the whisky was solid vitriol. If thread and cotton can't stand it, how's the linin' of a poor cove's stomach, I'd like to know?"

"I wonder," thought Tom to himself, "if one of these poor devils goes home and murders his wife, who ought to be hung for it? Is it he, or that smug-faced villain behind the bar, who, for the sake of the gain of a few greasy coppers, gives him the poison that maddens him?" He was still pondering over this knotty point when they were ushered into the captain's room.

That worthy was leaning back in a rocking-chair with his feet perched upon the mantelpiece and a large glass of rum arid water within reach of his great leathery hand. Opposite him, in a similar chair and with a similar glass, was no less an individual than our old acquaintance, Von Baumser. As a mercantile clerk in the London office of a Hamburg firm the German was thrown into contact with the shippers of the African fleet, and had contracted a special alliance with the bibulous Miggs, who was a social soul in his hours of relaxation.

"Come in, my hearties, come in!" he cried huskily. "Take a seat, Mr. Dimsdale. And you, Sandy, can't you bring yourself to your berth without being asked? You should know your moorings by this time. This is my friend, Mr. Von Baumser from Eckermann's office."

"And dis, I think, is Mr. Dimsdale," said the German, shaking hands with Tom. "I have heard my very goot vriend, Major Clutterbuck, speak of your name, sir."

"Ah, the old major," Tom answered. "Of course, I remember him well."

"He is not so very old either," said Von Baumser, in a somewhat surly voice. "He has been took by a very charming and entirely pleasant woman, and they are about to be married before three months, the one to the other. Let me tell you, sir, I, who have lived with him so long, dat I have met no man for whom I have greater respect than for the major, however much they give him pills at a club or other such snobberies."

"Fill your glasses," Miggs broke in, pushing over the bottle of rum. "There are weeds in that box--never paid duty, either the one or the other. By the Lord, Sandy, a couple of days ago we hardly hoped ever to be yarning here."

"It was rather beyond our prognostication, sir," said the mate, taking a pull at his rum.

"It was that! A nasty sea on, Mr. Dimsdale, sir, and the old ship so full o' water that she could not rise to it. They were making a clean breach over us, and we lost nigh everything we could lose."

"I suppose you'll have her thoroughly repaired now?" Tom remarked.

Both the skipper and the mate laughed heartily at the observation. "That wouldn't do, Sandy, would it?" said Miggs, shaking his head. "We couldn't afford to have our screw cut down like that."

"Cut down! You don't mean to say you are paid in proportion to the rottenness of the ships?"

"There ain't no use makin' a secret of it among friends," said Miggs. "That's just how the land lies with us. A voyage or two back I spoke to Mr. Girdlestone, and I says to him, says I, 'Give the ship an overhauling,' says I. 'Well and good,' says he, 'but it will mean so much off your wage,' says he, 'and the mate's wage as well.' I put it to him straight and strong, but he stuck at that. So Sandy and me, we put our heads together, and we 'greed It was better to take fifteen pound and the risk, than come down to twelve pound and safety."

"It is scandalous!" cried Tom Dimsdale hotly. "I could not have believed it."

"God bless ye! it's done every day, and will be while there is insurance money to be gained," said Miggs, blowing a blue cloud up to the ceiling. "It's an easy thing to turn a few thousands a year while there are old ships to be bought, and offices which will insure them above their value. There was D'Arcy Campbell, of the _Silvertown_--what a trade that man did! He was smart--tarnation smart! Collisions was his line, and he worked 'em well. There warn't a skipper out of Liverpool as could get run down as nat'ral as he could."

"Get run down?"

"Aye. He'd go lolloping about in the Channel if there was any fog on, steering for the lights o' any steamers or headin' round for all the fog whistles if it was too thick to see. Sooner or later, as sure as fate, he'd get cut down to the water's edge. Lor', it was a fine game! Half a 'yard o' print about his noble conduc' in the newspapers, and maybe a leader about the British tar and unexpected emergencies. It once went the length o' a subscription. Ha! ha!" Miggs laughed until he choked.

"And what became of this British star?" asked the German.

"He's still about. He's in the passenger trade now."

"Potztausand!" Von Baumser ejaculated. "I would not go as a passenger with him for something."

"There's many a way that it's done, sir," the mate added, filling up his glass again, and passing the bottle to the captain. "There's loadin' a cranky vessel wi' grain in bulk without usin' partition boards. If you get a little water in, as you are bound to do with a ship o' that kind, the grain will swell and swell until it bursts the seams open, and down ye go. Then there's ignition o' coal gas aboard o' steamers. That's a safe game, for nobody can deny it. And there are accidents to propellers. If the shaft o' a propeller breaks in heavy weather it's a bad look-out. I've known ships leave the docks with their propellers half sawn through all round. Lor', there's no end o' the tricks o' the trade."

"I cannot believe, however," said Tom stoutly, "that Mr. Girdlestone connives at such things."

"He's on the waitin' lay," the seaman answered. "He doesn't send 'em down, but he just hangs on, and keeps his insurances up, and trusts in Providence. He's had some good hauls that way, though not o' late. There was the _Belinda_ at Cape Palmas. That was five thousand, clear, if it was a penny. And the _Sockatoo_--that was a bad business! She was never heard of, nor her crew. Went down at sea, and left no trace."

"The crew too!" Tom cried with horror. "But how about yourselves, if what you say is true?"

"We are paid for the risk," said both the seamen, shrugging their shoulders.

"But there are Government inspectors?"

"Ha! ha! I dare say you've seen the way some o' them do their work!" said Miggs.

Tom's mind was filled with consternation at what he had heard. If the African merchant were capable of this, what might he not be capable of? Was his word to be depended on under any circumstances? And what sort of firm must this be, which turned so fair a side to the world and in which he had embarked his fortune? All these thoughts flashed through his mind as
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