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106 condition; there's next to nothing wrong with her but the garboard streak and the sternpost. I tell you Lloyd's is a ring like everybody else; only it's an English ring, and that's what deceives you. If it was American, you would be crying it down all day. It's Anglomania—common Anglomania,” he cried, with growing irritation.

“I will not make money by risking men's lives,” was my ultimatum.

“Great Cæsar! isn't all speculation a risk? Isn't the fairest kind of shipowning to risk men's lives? And mining—how's that for risk? And look at the elevator business—there's danger, if you like! Didn't I take my risk when I bought her? She might have been too far gone; and where would I have been? Loudon,” he cried, “I tell you the truth: you're too full of refinement for this world!”

“I condemn you out of your own lips,” I replied. “'The fairest kind of shipowning,' says you. If you please, let us only do the fairest kind of business.”

The shot told; the Irrepressible was silenced; and I profited by the chance to pour in a broadside of another sort. He was all sunk in money-getting, I pointed out; he never dreamed of anything but dollars. Where were all his generous, progressive sentiments? Where was his culture? I asked. And where was the American Type?

“It's true, Loudon,” he cried, striding up and down the room, and wildly scouring at his hair. “You're perfectly right. I'm becoming materialised. Oh, what a thing to have to say, what a confession to make! Materialised! Me! Loudon, this must go on no longer. You've been a loyal friend to me once more; give me your hand—you've saved me again. I must do something to rouse the spiritual side; something desperate; study something, something dry and tough. What shall it be? Theology? Algebra? What's Algebra?”