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Rh you may as well save your time," cut in Tom. "I don't want to he impolite, but I have my own opinion of the affair. And I might add that I have instructed a lawyer to begin a suit against Mr. Peters"

"No necessity for that at all!" interrupted the man, in soft accents. "No necessity at all, I am sorry you did that, for there was no need. Mr. Peters has instructed me to say that he realizes the accident was entirely his own fault, and he is very willing—nay, anxious, to pay all damages. In fact, that is why I am here, and I am empowered, my dear Mr. Swift, to offer you five hundred dollars, to pay for the repairs to your motor boat. If that is not enough"

The man paused, and drew a thick wallet from his pocket. Tom felt a little embarrassed over what he had said.

"Oh," spoke the young inventor, "the repair bill is only about three hundred dollars. I'm sorry"

"Now that's all right, Mr. Swift! It's all right," and the man, with his soft words, raised a white, restraining hand. "Not another word. Mr. Peters did not know who you were that day he so unfortunately ran into you. If he had, he would not have spoken as he did. He supposed you were some amateur motor-boatist,