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Rh Minot," he announced. "Mr. Minot, you must know, is in on all the secrets of the firm. Now, let's have it."

"I am right, am I not," his lordship continued, "in the assumption that Lloyds frequently takes rather unusual risks?"

"Lloyds," answered Mr. Thacker, "is chiefly concerned with the fortunes of those who go down to—and sometimes down into—the sea in ships. However, there are a number of non-marine underwriters connected with Lloyds, and these men have been known to risk their money on pretty giddy chances. It's all done in the name of Lloyds, though the firm is not financially responsible."

Lord Harrowby got quickly to his feet.

"Then it would be better," he said, relieved, "for me to take my proposition to one of these non-marine underwriters."

Mr. Thacker frowned. Curiosity agitated his bosom.

"You'd have to go to London to do that," he remarked. "Better give us an inkling of what's on your mind."