XVIII. THE DAWN OF THE GROVE OF THE INCAS 156

XIX. THE "SUMMER SHELTER" 162

XX. THE SYNOD 169

XXI. A TELEGRAM FROM CAPTAIN HORN 173

XXII. THE "SUMMER SHELTER" GOES TO SEA 182

XXIII. WILLY CROUP COMES TO THE FRONT 192

XXIV. CHANGES ON THE "SUMMER SHELTER" 203

XXV. A NOTE FOR CAPTAIN BURKE 218

XXVI. "WE'LL STICK TO SHIRLEY!" 228

XXVII. ON BOARD THE "DUNKERY BEACON" 235

XXVIII. THE PEOPLE ON THE "MONTEREY" 247

XXIX. THE "VITTORIO" FROM GENOA 254

XXX. THE BATTLE OF THE MERCHANT SHIPS 264

XXXI. "SHE BACKED!" 273

XXXII. A HEAD ON THE WATER 279

XXXIII. 11 deg. 30' 19" N. LAT. by 56 deg. 10' 19" W. LONG. 286

XXXIV. PLAINTON, MAINE 298

LIST OF ILLUSTRATIONS

PAGE

BURKE DETERMINED TO GET NEAR ENOUGH TO HAIL THE
"DUNKERY BEACON" _Frontispiece_

THE GENTLEMAN RAISED HIS HAT AND ASKED IF MRS. CLIFF
LIVED THERE 42

MRS. CLIFF'S INVITATION WAS DISCUSSED WITH LIVELY
APPRECIATION 170

THERE, FASTENED AGAINST THE FORE-MAST, WAS A LARGE
PIECE OF PAPER 194

WHEN SHIRLEY WENT ON DECK HE WAS MUCH PLEASED TO
SEE THE "SUMMER SHELTER" 238

BANKER COULD NOT HOLD BACK 270

HE SEIZED IT AND RAISED IT TO HIS SHOULDER 290

WILLY SAT AND LOOKED AT HIM 312

MRS. CLIFF'S YACHT

CHAPTER I

ALONE WITH HER WEALTH

On a beautiful September afternoon in a handsome room of one of the
grand, up-town hotels in New York sat Mrs. Cliff, widow and millionaire.

Widow