Sheldon was an ignoramus."

"No, no, I shan't, old fellow; I'm not such a fool as that. I'm not
going to blame you when it's my own constitution that's in fault. As to
that young man you brought here just now, to please Georgy, I don't
suppose he'll be able to do any more for me than you have done."

"We'll contrive to bring you round between us, never fear, Tom,"
answered Philip Sheldon in his most hopeful tone. "Why, you are looking
almost your old self this morning. You are so much improved that I may
venture to talk to you about business. There have been some letters
lying about for the last few days. I didn't like to bore you while you
were so very low. But they look like business letters; and perhaps it
would be as well for you to open them."

The sick man contemplated the little packet which the dentist had taken
from his breast-pocket; and then shook his head wearily.

"I'm not up to the mark, Sheldon," he said; "the letters must keep."
"O, come, come, old fellow! That's giving way, you know. The letters
may be important; and it will do you good if you make an effort to
rouse yourself."

"I tell you it isn't in me to do it, Philip Sheldon. I'm past making
efforts. Can't you see that, man? Open the letters yourself, if you
like."

"No, no, Halliday, I won't do that. Here's one with the seal of the
Alliance Insurance Office. I suppose your premium is all right."

Tom Halliday lifted himself on his elbow for a moment, startled into
new life; but he sank back on the pillows again immediately, with a
feeble groan.

"I don't know about that," he said anxiously; "you'd better look to
that, Phil, for the little woman's sake. A man is apt to think that his
insurance is settled and done with, when he has been pommelled about by
the doctors and approved by the board. He forgets there's that little
matter of the premium. You'd better open the letter, Phil. I never was
a good hand at remembering dates, and this illness has thrown me
altogether out of gear."

Mr. Sheldon tore open that official document, which, in his benevolent
regard for his friend's interest, he had manipulated so cleverly on the
previous evening, and read the letter with all show of deliberation.

"You're right, Tom," he exclaimed presently. "The twenty-one days'
grace expire to-day. You'd better write me a check at once, and I'll
send it on to the office by hand. Where's your check-book?"

"In the pocket of that coat hanging up there."

Ph