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VERYONE in trade and a good many who are not have heard of Werner's Agency, the Solvency Inquiry Agency of all British trade. Its business is to know the financial condition of all wholesale and retail firms, from Rothschild’s to the smallest sweetstuff shop in Whitechapel. I do not say that every firm figures on its books, but by methods of secret inquiry it can discover the status of any firm or individual. It is the great safeguard to British trade and prevents much fraudulent dealing.

Of this agency I, Dixon Druce, was appointed manager in 1890. Since then I have met queer people and seen strange sights, for men do curious things for money in this world.

It so happened that in June, 1899, my business took me to Madeira on an inquiry of some importance. I left the island on the 14th of the month by the Norkam Castle for Southampton. I got on board after dinner. It was a lovely night, and the strains of the band in the public gardens of Funchal came floating across the star-powdered bay through the warm balmy air. Then the engine bells rang to "Full speed ahead," and, flinging a farewell to the fairest island on earth, I turned to the smoking-room in order to light my cheroot.

"Do you want a match, sir?"

The voice came from a slender, young-looking man who stood near the taffrail. Before I could reply he had struck one and held out to me.

"Excuse me," he said, as he tossed it overboard, "but surely I am addressing Mr. Dixon Druce?"

"You are, sir," I said, glancing keenly back at him, "but you have the advantage of me."

"Don't you know me?" he responded. "Jack Selby, Hayward's House, Harrow, 1879."

"By Jove ! so it is," I cried.

Our hands met in a warm clasp, and a moment later I found myself sitting close to my old friend, who had fagged for me in the bygone days, and whom I had not seen from the moment when I said good-bye to the "Hill" in the grey mist of a December morning twenty years ago. He was a boy of fourteen then, but nevertheless I recognised him. His face was bronzed and good-looking, his features refined. As a boy Selby had been noted for his grace, his well-shaped head, his clean-cut features; these characteristics still were his, and although he was now slightly past his first youth he was decidedly handsome.

He gave me a quick sketch of his history.

"My father left me plenty of money," he said, "and The Meadows, our old family place, is now mine. I have a taste for natural history; that taste took me two years ago to South America. I have had my share of strange adventures, and have collected valuable specimens and trophies. I am now on my way home from Para, on the Amazon, having come by a Booth boat to Madeira and changed there to the Castle Line. But why all this talk about myself?" he added, bringing his deck-chair a little nearer to mine. "What about your history, old chap? Are you settled down with a wife and kiddies of your own, or is that dream of your school days fulfilled, and are you the owner of the best private laboratory in London?"

"As to the laboratory," I said, with a