water- the muddy, dirty water of the lagoon - stirred up by the oar with which he had pushed off the tender.

conqueror.

This was the pungent regret of the moment; and it seemed to me that I ought not to stay conquered. I had left my coat on board of the yacht in order to be able to swim if occasion should require; and I voted unanimously that the occasion did require that I should take a muddy bath in the service of the young lady. My first care was to get up. In doing so, I felt the painter of the boat under me. It seemed to have been left there when the tender was pushed into the water to suggest my next step. It did suggest it, and I hastened to profit by the advantage.

As I began to get up, Mr. Ben Waterford began to push off the boat; and I had just time to seize the rope before it was dragged into the water. I picked it up, and promptly checked the operations of the angry skipper. I checked them rather suddenly. Mr. Waterford was at the stern of the boat; and as he raised his oar to give it another push, I gathered up all my strength, and made a desperate twitch at the rope.

As every one knows who has had anything to do with them, boats are wretchedly unsteady to a person in a standing position. Even an old sailor may find it impossible to maintain his perpendicularity when the boat is unexpectedly moved. Philosophically, the inertia of the man should be gradually overcome, and suddenly overcoming the inertia of the boat, as practice and the formula have both demonstrated, does not overcome that of the man. If he be not prepared for the change from rest to motion, he is in very great danger of being thrown down, and if near the water, of being thrown into it.

The body of Mr. Ben Waterford was not proof against the law of nature. It followed the rule deduced by practical men from the phenomena of every-day experience, and the formula laid down by those learned in physics. When I twitched the rope, I suddenly and violently overcame the inertia of the tender. Though without any malice on my part, the inertia of Mr. Ben Waterford was not overcome at the same time. His tendency was to remain at rest, and the consequence was, that I pulled the boat out from under him. Furthermore, as there was water where the boat had been when I pulled, because two bodies cannot occupy the same space at the same

Divested of the language of science, the fact was, that Mr. Ben Waterford had tumbled over backward into the creek. In substance, he had repeated the experiment at the stern of the boat which I had tried at the bow, only he had fallen into the water, and I had fallen upon the land. In spite of preferences for the water, I must acknowledge that the land is a pleasanter element to fall upon than the water, especially if the water is dirty, for a gentleman intinctively abhors filth.

I protest that I had not intended to pitch Mr. Ben Waterford into the lagoon. Although I was familiar with the law of physics applica ble to his case, I could not foresee what measure of resistance he would offer to the action of the formula, or what degree of caution he would use. Without any premeditation on my part, for I solemnly declare that I only intended to prevent him from pushing off the tender, it was an accomplished fact, that Mr. Ben Waterford was floundering in the muddy water of the lagoon, while the tender was absolutely in my possession.

I could not quarrel with fate, destiny. good fortune, or whatever it was that had turned the tide in my favor at the very moment of defeat; and I made haste to profit by the circumstances as I found them. I ran along the bank of the creek, dragging the boat after me; and by the time the unhappy skipper had elevated his head above the surface of the foul pool, now rendered doubly foul by his own movements upon the soft bottom, I had the tender a couple of rods from him. He was in no danger of drowning; for while I should say that he was sunk half way up to his knees in the mud, the tiny wavelets rippled against the gold vest chain to which his watch was attached. In other words, the water was not quite up to his armpits. I do not know whether Mr. Waterford was able to swim or not: I never saw him swim, and he did not swim on this momentous occasion. He simply stood up in the water, rubbing the muddy fluid out of his eyes. He had not yet sufficiently recovered from the shock of his fall, and the muddy blindness which surrounded him, to realize the nature of the situation.

At a safe distance from his convulsive clutch, I jumped into the tender, and paddled rapidly to the yacht. I gave Mr. Waterford a wide berth, and left him trying to obtain a better vision of the surroundings. I leaped

upon the deck of the Marian, and fastened the painter of the tender at the taffrail. Miss Collingsby spoke to me, but I heeded not what she said, and sprang forward as fast as I could move my steps. I hauled up the anchor, but without waiting to wash off the mud, or stow the cable, I hastened to the helm. Letting out the sheet, I wore ship," and in half a minute the Marian was standing out of the lagoon.

"Stop! What are you about!" shouted Mr. Ben Waterford, who was paddling through the mud towards the shore.

I made no reply to him, for I had nothing to say. Between running away from him and permitting him to run away with Miss Collingsby, I was compelled to chose the less of the two evils. My mission was to save the young lady, and I intended to do so. I had made a faithful use of the opportunity presented to me; and after attempting to leave me in that desolate place, I thought it was not unreasonable for Mr. Waterford to "try it on " himself, even if the yacht did belong to him. I was not disposed to weigh all the nice questions which the situation presented. It was clearly my duty to assist Miss Collingsby, and I was disposed to do it without consulting the comfort and convenience of Mr. Waterford, who meditated the mischief against her. The defeated skipper continued to shout at me in the most furious manner, threatening me with all the terrors of the law and his own wrath. I was willing to refer the whole subject to Mr. Collingsby after we returned to Chicago; and I regarded him as an all-sufficient defender against both the law and the wrath of Mr. Waterford. I saw him make his way to the shore, shake the mud and water from his garments, and then hasten to a point of land which projected out into the lake at the mouth of the creek. But he might as well have hastened towards the other end of the lake, for long before he could reach it, I had passed the point, and was out in the open lake.

I was out of hailing distance of the unhappy skipper when he reached the point, though I could still see his violent gestures. Miss Collingsby sat in the standing-room, watching her late persecutor with anxious interest. Perhaps she feared he might, by some foul mischance, undo what I had done; that he might annihilate the waste of waters before him, and step between her and me. I had no such fears. There were no boats or vessels near us, and I was satisfied that Mr. Waterford would be obliged to walk several miles to a

station on the railroad which passed through the swamp and over the lagoon.

I was so well satisfied with the good fortune that grew out of my catastrophe, that I soon neglected to think of Mr. Ben Waterford. I left him to enjoy his own reflections; and I hoped one of them would be, that villany could not long prosper even in this world. I wished that he might recall, if he had ever heard of it, the Scotch poet's proverb, that

"The best laid schemes o' mice an' men
Gang aft a-gley;

An' lea'e us nought but grief and pain
For promised joy."

This bit of romance was not likely to end in a marriage, thanks to the returning or awaked sense of Miss Collingsby.

I ceased to think of my discomfited skipper, and turned my thoughts to Mr. Charles Whippleton, to whom I devoted my whole attention. The Florina had passed out of the creek in the midst of the encounter between Waterford and myself; and the junior partner of our firm must have seen me when I was pitched over the bow of the tender. Whether he had been able to see the issue of the battle or not, I did not know, for his yacht passed beyond the point before it was terminated. The Florina was headed to the eastward, and I judged that she was about a mile ahead of me when I tripped the anchor of the Marian. I intended to chase him, even into the adjoining lakes, if he led me so far. I meant to recover Mrs. Whippleton's treasure, if it took me all summer, and used up all the money I had in the world.

Marian Collingsby looked very sad and anxious. Her chest heaved with emotion as she realized how serious was the movement upon which we had entered. I was confident that, if she ever reached the shelter of her father's roof, she would never be imprudent again; that she would have more regard for her father's solid judgment than for her own fanciful preferences.

"You don't know how frightened I was, Philip," said she, when I took my place at the helm.

"I don't wonder. I was frightened myself; but it was more for you than for me," I replied, as I let out the main sheet.

"And I struck at him with the boat-hook. I have been in a worse fight than that." "You have!"

"Yes; I have been where the bullets flew thick and fast."

"You!"

"I was in a battle with the Indians; and I once had the happiness to rescue a young lady from the savages; so I think this is a very mild kind of fighting."

"What a hero you have been!"

"Not much of a hero; but I don't like to see anything go wrong with a young lady. I never saw a young lady till I was twelve years old, and I find myself very kindly disposed towards all of them - strange as it may seem."

Miss Collingsby tried to smile, but she did not feel able to do so.

CHAPTER XX.

IN WHICH PHIL SAILS THE MARIAN ACROSS LAKE MICHIGAN.

WH

HERE are you going now, Philip?" asked Miss Collingsby.

"I am obliged to chase Mr. Whippleton. I told you what he had been doing. He has swindled your father out of a large sum of money, and he has also robbed me of a valuable package, which was put in my care for safe keeping. I must catch him, if I follow him all night."

"You are very faithful to my father's interests. I didn't think Mr. Whippleton was such a bad man."

"Your father did not think so, either," I continued; and I explained to her in full the financial operations of the junior partner. "Do you expect to catch him, Philip?" "I mean to do so."

"What can you do with him? He is a man, and you are but a boy-excuse me, a young man."

"I don't object to being called a boy, for I am one; but I think I am a match for Mr. Whippleton, physically."

"I think you are, after your battle with Mr. Waterford, who is larger than Mr. WhippleBut what am I to do?"

ton.

"I don't know. I must not lose sight of the Florina."

"I don't want to stay all night in this boat," said she, timidly.

"If I run over to the city and land you, I may as well give up all thought of ever seeing Mr. Whippleton again," I replied, annoyed at the situation.

"My mother will be very anxious about me." "I know she will; but what can I do?" "I really don't know."

"If Mr. Whippleton leads me any where near a railroad station, I will see that you are put in the way of returning to your home. I am sure if your father was here, he would insist upon my chasing the villain. If he escapes me, your father will lose a large sum of money - not less than forty thousand dollars, and perhaps more."

"How terrible! You must do as you think best, Philip, without regard to me. I don't like to stay in this boat all night."

"It isn't a bad place to stay," I replied, glancing down into the handsome and comfortable cabin.

66

'Perhaps not; but I had rather be at home. My father and mother will both worry about me."

"They will ascertain before night where you are; and perhaps Mr. Waterford will return to the city and inform them that you are safe."

"He will not be likely to say anything about me."

"Your father sent me to follow Mr. Whippleton, and I am now literally obeying his orders."

I saw that my fair companion was uneasy in a direction she did not care to explain; and I am sure I respected her all the more for the delicacy of feeling she exhibited. If she and her mother objected to her being alone in the

acht with Mr. Waterford, they might also object to me. I deemed it necessary to say and do all I could to assure her of her own safety.