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8 came up and the other ship was lost with nearly all on board.

"Well, that's the end of Sid Merrick and Tad Sobber," said Dick when he heard this news. "If they are at the bottom of the Atlantic Ocean they can't bother us any more." But Dick was mistaken in his surmise. It was true that Sid Merrick had been drowned, but Tad Sobber was alive, having been rescued by a schooner bound for London, and he was now on his way back to the United States, more bitter than ever against the Rovers, and with a determination to do all in his power to bring Dick, Tom and Sam to grief and gain possession of the money which he and his uncle had claimed belonged to them instead of to the Stanhope estate.

On arriving at Philadelphia from the West Indies the treasure was deposited in a strong box of a local trust company. From it the expenses of the trip were paid, and the sailors who had aided in the search were suitably rewarded. Later on the balance of the treasure was divided according to the terms of Mr. Stanhope's will. This placed a large sum of money in the hands of Mrs. Stanhope, both for herself and Dora, and also a goodly amount in the hands of Mrs. Laning for herself and Grace and Nellie.

The Stanhopes had always been fairly well off, but not so the Lanings. John Laning was a