own to Wright's with me, and I will have a fiver
on each of them. I don't get tips like these every day."

He put on his cap and tried to persuade me to go with him, but I was
sick of the man, he seemed to me to be simply throwing his money away;
so I went back to my rooms, and finding that Murray had been to
Armitage's lecture, I borrowed his notes and copied them into my book,
though Murray said, and I thought, that I was wasting my time.

I did not see Ward again until after five o'clock, when he brought an
evening paper and a cheerful countenance into my rooms and told me that
Dainty Dick had won the Flying Welter, and The Philosopher had been
second. "Two pretty good tips, my boy," he said; "nothing but your
obstinacy prevented your being on."

Collier had been having tea with me, and was to all appearances asleep
when Ward came in, but without opening his eyes he said, "Betting is a
mug's game. What price did this brute start at?"

"I don't know until I get the next evening paper, but it is sure to be
a good price; there were twelve runners, and they are sure to have
backed The Philosopher."

"You are a rotter," Collier stated; "if you are going to stay here,
don't talk racing to us. I don't know anything about it and don't want
to."

"I know a real hot thing for the Manchester November Handicap, been
kept for months," Ward said quite cheerfully.

"We don't want to hear it," I said.

"I am thundering well not going to tell you anyway. You two men ought
to be in bed, I am going to find some one who is not half asleep," Ward
answered, and he went away with unnecessary noise.

Both Collier and I had promised to go to Lambert's rooms after dinner
on that evening; he had asked us because he said we ought to have a
talk about the freshers' wine, but we knew well enough that he intended
to twang his wretched banjo and sing little love songs which made the
night hideous. If only he would have sung comic things he might not
have caused such wholesale pain, though I should not like to speak
positively upon that point. I did not go to this entertainment
immediately after dinner, and when I arrived I found the usual gang,
Ward, Dennison and Collier, and one other man who turned out to be
Bunny Langham. Everybody except Collier was playing a game of cards
called "Bank," the chief merit of which is its simplicity. The dealer
puts some money into the pool and deals three cards to each player, who
can bet up t