'ave lived."

"If only 'e 'ad lived—" repeated the engineer in a strange far-away tone, "Oo's 'e?" he asked eagerly.

"You know old Abey Turner as keeps the little sweet-an'-tobaccer shop over to Dorton Ware?" pursued the stoker. "Old Abey is a agint for the Popular Thrifty Life Insurance Company——"

"I know 'e is," confirmed the engineer.

"Abey 'as bin at me over an' over again to insure my life," explained the stoker, "but I told 'im as I didn't 'old with laying out good money wot wouldn't never come 'ome to roost-like, until I was dead. Then Abey leans over the counter an' ketches me by the neck 'andkerchief an' says, 'Think of the worst life you know, an' 'ave a bit on that.' Naturally, talkin' o' bad lives, you're the first chap whose name comes into my 'ead."

"Me!" ejaculated the engineer, starting.

"But it wasn't wickedness old Abey meaned," continued the stoker, "only un'ealthiness in general. Somebody wot wasn't likely to live long, that's the sort o' man or woman 'e wanted me to insure. 'A child'll do,' says 'e, smiling, an' tells me 'ow a large family may be made a source of blessing to parents 'oo are wise enough to insure in the Popular Thrifty. Then it comes into my mind all of a sudden as 'ow Billy 'ud do a treat, an' I names 'im to Old Abey. 'That young shaver!' calls out old Abey, disgusted like. 'Why, 'e's as 'ard as nails. Wot's likely to 'appen to 'im?' 'If you was to see the 'andling 'e gets when my mate is in 'is tantrums,' I says to old Abey, 'you'd put your bit o' money on 'im cheerful an' willin'.' 'Is Alfred Evans such a savage in 'is drink?' says old Abey, quite surprised——"

"I'll surprise 'im!" muttered the engineer, "when I meets 'im!"

The stoker continued: "So the long an' the short is, I insured Billy, an' Billy's dead!"

"You don't really think so?" cried the engineer, in shocked accents.

"I don't think," said the stoker, in a hard, high tone, "I knows 'e is."

"Not—burned with the van!" gasped the engineer.

"Burned to cinders," said the stoker comfortably. "'Ow about that smell o' roasting you kep' a sniffing as we came along, an' wot were it if not cooked boy? Wot was it your foot crashed into when you called out awhile back? 'Is ribs, 'im being overdone to 

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