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the Gem was securely tied—and Betty now made sure of this—the tired and rather chilly girls adjourned to the cabin, and under the lights had the hot chocolate Aunt Kate and Amy had made.

"It's delicious!" spoke Betty. "I feel so much better now."

"We must never let on to the boys that we came near running down a steamer," said Grace. "We'd never hear the last of it."

"But we didn't nearly run down a steamer—she came toward us," insisted Betty, not willing to have her seamanship brought into question. "If it had been any other boat, not drawing so much water, she could have steered out of the way. As it was we, not being under control, had the right of way."

"It wouldn't have done any good to have insisted on it," remarked Grace, drawlingly.

"No, especially as we couldn't hoist the