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LOVE INSURANCE

to it, but a chain and padlock held it firmly. He must hurry. Aboard the yacht, dancing impatiently on the bosom of Hendrick Hudson's important discovery, he recognized the preparations for an early departure.

Minot stood for a moment looking at the wide wet river. It was February, yes, but February of the mildest winter New York had experienced in years. At the seashore he had always dashed boldly in while others stood on the sands and shivered. He dashed in now.

The water was cold, shockingly cold. He struck out swiftly for the yacht. Fortunately the accommodation ladder had not yet been taken up; in another moment he was clinging, a limp and dripping spectacle, to the rail of the Lileth.

Happily that side of the deck was just then deserted. A row of outside cabin doors in the bow met Minot's eye. Stealthily he swished toward them.

And, in the last analysis, the only thing between him and them proved to be a large commanding gentleman, whose silhouette was par-