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Rh sir, you will not find many banks do business on such terms as that!"

"No," said Peter, who could not follow all this arithmetic, "so I should imagine. Only, I don't quite see, if you will pardon my saying so, what particular advantage I should gain if I did open an account of this sort."

"You don't? You surprise me, you really do. Here are you, with these additional hours lying idle on your hands: you didn't expect 'em, and don't want 'em. But how do you know that you mayn't be glad of 'em at some time or other? Just think how grateful you might be hereafter, if you could get back a single one of these half-hours which you find so tedious now. Half-an-hour on board a fine ship like this, splendid weather, bracing sea-air, perfect rest, pleasant company, and so on—why, you'd be willing to pay any money for it! Well, bank your extra time; and you can draw every individual hour in quarters, halves, or wholes, when you please and as you please. That's the advantage of it, sir!"

"I think I see," said Peter: "only, how am I to make the deposit in the first instance?"

"That's easily arranged. The captain can't