HomeMy WebLinkAboutThe Herald, 1914-02-20, Page 6tlom of
arefl • Q!reatli.ear
1engagement
-Give mea little time: Give nae
three - weeks, Monists! You iniu.et,
give a, man time! You must do
that 1 I love you 1 I swear I do 1
Give rue—"
"Listen; Derrell.!" the said fatly.
"I shall expect you at 4 o'clock tan
November 22nd.. Then you will.
either tell me what •secret to haunts
you, or we must part 1"
.As Big Ben struck the hour Dar-,
ell Greathee& was shown into the
drawisig-room at Lady Bellhouse's
mension in Belgrave Square.
Hs was old. Tho 'three weeks
since lie ,had had his last interview
with Monica seemed to have added
twenty years to his age. His vital-
ity, his air of strength and deter-
mination were gone. He was old—
bowed sand feeble as an old man.
He kissed her and ,she awaited
Me words.
"Monica!" !" he buret forth, his
voice full of pain. "Have pity on
me 1. • What I and about to tell you
is horrible, I 'know. You are only
a woman --weak and unaccustomed
to the diabolical things of life --,and
yet I pray you to allow me the eon -
passion which is woman's divieest
gift! And if, in my pleading, I
ask you to sacrifice yourself, do not
reject me in the scorn that rides
quicker than pity and faster than
love."
He paused a moment and she
awaited his words in silence—her
heart torn; between love and dread.
"For three weeks I have wrestled
with hell as no man before has
wrestled. I have tried—God knows
how I have tried—to overcome my-
self. The cleverest advisers in Eu-
rope have tried to solve the ghastly
problem I placed before them—
French, English, American. Oh!
and all, every one and all have
failed. I am an outcast!
I know it! I do know itl And yet
I crave your pity as I crave your
love."
"Telt me !" she said, unsteadily.
He bent down, trembling with
his intensity of emotion, and
hoarsely whispered into her ear.
She threw up her arms, and, with
one shrill cry, tainted.
Darell—the reran who had faced
undismayed the terrors of savagery
in masa and animal ---stood as
though paralyzed.
Dimly he was conscious of Lady
Bellhouse coming into tbe room.
He saw her, as in a dream, rush to
where 1Vlonica lay and lift the girl's
head up as the bent over her.
"Monica1 My dear ; my sweet!
Monica!" she cried.
The girl 'opened her eyes, and as
they fell upon Darell she moaned
horribly, fearfully..
"Send him awayl•" she whisper-
ed, "Mother, send him away !"
"What is it, dear? Yes, yes 1 My
pet! What isitZ"
"Send him away 1 Quickly !
Quickly 1" she cried, her voice wen
with the pain of horror. "He can-
not tango !"
Lady Bellhouse allowed her
daughter's head to thud upon the
carpet. Her patrician forefinger
firmly pressed the bell -push.
"James 1" she cried to the foot-
man.
ootman. "Show this—er—fellow out!"
FACT AND FANCY.
ti1770:41axa ,. jam, WJPVar cr, :Era,,,-�• vlc, -�uh ...
Ti s i an immensely serious }axs
rry, , Incidentally, all history is
!nous, 3ith +that, maybe, merely
eeeV one of the great disa,dvan-
ages of truth.
Darell Greatheart was a hero--
i , , feet of sunburned manktood --of
'mews -lona and'with a lase -bate
ha•t would have delighted the
estate of .any, matinee idolatress; a
whose that would have frighten -
e ' ]'bons .and terrified savages who
eel never winked at a tourist.
Darell Greatheart was ahero.
That else could he be with such a
amen? But he was a hero quite
part frond his name. For three
ars he had sesrched the black
epths and scaled the almost im-
assable heights of New Guinea.
For three years Monica Bellhouse
ad waited for him, patient in her
ve as only a woman in love can
e
And from the; time when the news
I his forthcoming return became
nown, and the papers searched
heir subedirtorial headline voeabu-
.ary for adjectives, the had thrilled
ith the knowledge that she--M•on-
«: Bellhouse—ways beloved of him.
He arrived in England acrd at her
other's house only in time for din-
er. Ib was 10.30 ere he was tact -
ally allowed to escape and to dis-
•ver Monica in the conservatory.
For a few moments they talked
ese words whosee great beauty is
oat in any trane1ebion, and whose
'refound sweetness is in a sighing,
laughter of the eyes and heart,
.he quiver of a lip.
"Tell me, Iiarell," she said at
last; "tell me all about every-
thing --your dangers and triumphs,
your trials, your thoughts, and
your pleasure,s."
"My 'thoughts and my pleasures
were one and the same, as my
'thoughts were of you, sweetest
.heart. . But you have heard
—at the dinner table (Oh, how I
longed to leave it and realize the
moment 1)•--511 that I tried to do."
"And did 1"
"Hush!" he said, laughing soft-
Iy, "or you'll make my modesty
afraid of you. Tell me about you.
That is much more important."
"Silly thing 1" she laughed back,
laughing with the joy of knowing
that it mattered not an thorn of
what they talked. "What have I.
done, dear, nothing 1 I've !told you
all in my letters."
"Um!" he said, nodding his
head. "Nothing new or special or
esetraurdinary=?''
"Nothing 1 Heavens alive, Dar -
ell; ,aid things. Nothing extraordi-
nary ever happens to a girl in Lon-
don society."
i'Doeen't it?' '
"Well, if it depends upon one's
idea of what is extraordinary, I
suppose nothing is really extra-
ordinary nowadays, is it?"
"Only the illimitable quantity of
theordinary—eh"
"Um ! , Ohl" she cried,
suddenly. "Of course ! How
dreadfully stupid of me 1 There's
the tango !"
"Yes!" he answered, without en-
thusiasm. "Of course 1"
"Oh, " you'll love it, Derrell!
You'll adore it 1 I am just pining
and dying to dance it with you."
"Yes, yes 1 Of course, dear i, ►
"Yes. Do you know, I've learn-
ed 179 steps 1 One hundred and
severity -nine 1"- he repeated, me-
chanically.
There was silence for a moment.
"Darell1" the exclaimed fear-
fully.
"Yes l" he asked in a monoton-
ous voice.
"What is it? What is the mat-
ter? What is making you so
moody el There's something wrong!"
"No, no!" he said hurriedly, yet
abstractedly. "No, no ! Really 1"
"These le! • I eau hear it in your
voice and see it in your face and
teal it in the air 1 There is some-
thing wrong which you are hiding
from me, You have some dreadful
secret!"
life raised his head and glanced
fearfully round the conservatory.'
"No 1" he said, and his voice was
little more than a whisper, "Noth-
ing!
Noing! Really 1 Nothing at all 1"
"There is 1 Oh 1 I am sure there
is 1 Something horrible! Some-
thing you dare not fell me!"
Alio 'eyes stared +r, at the 'floor ; he
did, -soaraise them to her face. }Ie•
4004 lxisLjleati, but said not a
e" it e 1 > r+ fL seor'et
1014 you 400 d
l2130
S
'Aiwa many you thus, ,»arx:ll l
on trust understand tthaa+tf t can-
ot meaty Ten I"- .
x i;•oatiee, l no nob throw like over,
Mw not
sn
411/%4 1,1 'Mita:. ry,+'liar tail me what is
Mil 11114 ru
MAIM
AT LLQYD'S ltOY tL
YCRA.1\T1, LOND01N. .
Mare Is Represented the Nest Gr
gentle Insurance: Business. in
the World.
Tho deep tones of an old, bell
sounding through the hums of talk.
in a great business hall—this Vpi-
lies London's paradox' of ancient
surroundings .and modern trade .fora
the visitor to Lloyd's in ,the Royal
Exchange. If he does not know the
history of the place and is furious
enough to ask the meaning of the
sound, he will find a picturesque
explanation of the business of the
hall in the reply that the bell is
tolled because a ship has heels lost.
Lloyd's is a world centre of marine
insurance. As long as three cen-
turies ago the business of assum-
ing risks for cargoes sent by sea be-
gan to concentrate there, and it
has developed into' one of the great-
est of insurance houses. Early in
its history the old bell was hung in
the underwriters' scone and the
custom of tolling it whenever a
.ship was lost was begun. Ever.
si.nee that time, through various
changes. of location, the bell has
been kept as a. part of the furnish-
ings. Despite the swift service of
electricity, which brings 'the loss
immediately to each broker, the old
habit is still observed, and the past
is recalled by the solemn notes of
the bell -whenever there is a disas-
ter at sea.
Few in England's metropolis rea-
lize the gigantic business repre-
sented in the name of Lloyd's and
fewer still have seen the throng
and the serious ceaseless activity of
The girl of to -day is two inches
taller, on trhe average, than her
mother.
A gold watch is the eighteenth
century could not be bought under
$800.
Because a hen eats tacks, it's no
sign she's going to lay a carpet.
Rosewood, mahogany and- violet
wood, for • inlaying fine furniture,
ar emit into. sheets 1 -50th of an incl'
thick.
A girl seldom nxe.ans what she
says, but sometimes by mistake she
says what she means.
Wrinkles are paused, not by wor-
ry, but by laughing.
Married men are signposts to
happiness. Some of thein, though,
are darer° signals.
Artiftia,1 toe dates from 1783.
Some -women think themselves
artistic because they pencil their
eyebrows and paint their cheeks.
Widowers neve marry widows.
They choose young girls.
Throwing a kiss i esomctihing like
dining in imagination on the rich
bill -of -fare you see pri'n'ted in the
papers. -
Whcn a. man marries he wants an
angel; then, after tine honeymoon,
he growls because he 'didn't get a,
cook,
A girl, like you:- shadow, flees
when you i'oflow, mend fellows when
yen ;flee.
An exhibition of temper is a free
chow that isn't worth the price.
Where one W01n0ai ataTts to mAe
a name tor ,hersett twenty will lee
satisfied to take Some non's.
globe, from•. eves'nay., ouiu ►Jc
gathered -'stir the , utateet ra pi elty.
$y ±this systeiu i s ' xaveruent Of
a.xnoat every ship, ea metter where
acrd when the was plying, and un^.
der which flag, could be traced.
Needless to ssy, every eestosivable
description of craft was chronicled
in Lloyd's register, and the ship
receiving the hall:'. mark "A-1,
Lloyd's" was regarded s having.
the highest reoonimendati.on.
TLe Great Human Beehive.
Yet, frona the physical giant who
in scarlet gown receives you at the
gate and in stentorian voice calls
the name of the member you seek,
to the dignified personage in the
room, enthroned on an elevated
platform, who acts as the crier,
Lloyd's is one of the most interest-
ing assemblies in the world. Many
of the furnishings date back to the
"good old days," when there were
neither steam nor armored ships,
and no cable or wireless messages
announced the departure or arrival
of the vessels intrusted to the dan-
gers of an inscriitable sea.
Were Edward Lloyd, the old cof-
fee tavern keeper of Tower street,.
to return to . hds haunts in :the city
of 1600, what astonishment would
be his! It was he whose name hes
been immortalized in the eommer-
clel history of the world. His cof-
fee shop was the meeting place of
men interested in commerce by
sea, and over steaming cups were
discussed the dangers to men and
craft exposed to the power of the
mighty monster. Already they were
known by the name of underwrit-
ers. They agreed to divide the risk
attending the shipping of goods
among themselves, according to the
distances to be covered, the seafar-
ing quality of the windjammer, the
capacity of captain and crew and,
above all, their financial resources
in meeting a loss. In 1892, Lloyd's
coffee tavern removed to Lombard
Street, and little by little an in-
corporation took place, the name
of Lloyd's was assumed and the
house started on its career. In
1774 Lloyd's was obliged to seek
still larger a,ecomnodation, and
succeeded in getting possession of
the upper part of the .Royal. Ex-
change, from which place it is still
carrying on its gigantic work.
The Large Room at Lloyd's
contains during the busy hours of
the day perhaps 5,000 people,: Small
square tablet, numbering several
hundreds, are arra:ged to acoorn-
modaate four persons each; Each
underwriter lies a gi'gantio volume
in front of him, which he consults
from tune to time for information
on proposed., risks. A member of
Lloyd's is obliged to deposit £5,000
with the committee :a,s security.
The aggregate does not, however,
represent enc tithe of the fortune
possessed by the underwriters. The
wills of suocessful 'underwriters,
published et times, bear testimony
to the inxmsnsely profitable nature
of the business.
The underwriting of a policy for
practically any amount is perform-
ed with the .greatest dispatch. As
soon as the premium is agreed
upon, . the document is sent on ifs
course from table to table and each
man interested signs his name
against his. proportion of the risk.
The wording of the policy is sim-
plicity itself : "lino- ye that we
the insurers do hereby bind our-
selves, each for his own part and
not for one another, out heirs, ex-
ecutors -and administrators, bo pay
or make good to the assured's ex-
eeutors, etc.,, 'all such loss as above
stated not exceeding the sumo
in all, within seven days after such
loss is proved, and that in peeper -
tion to the several sums by reach of
us subscribed against our respec-
tive names. In witness whereof we,
underwriting members of Lloyd's,
have subscribed our names and
suers of money- by us insured."
T1.16, Principal Business
transactd at Lloyd's is, of course,
mariner iest'rance, and fully 80 per
cent. oy' t 'ie underwriters refuse on
principal', to touch any other form
of risk. There is, however,
a. steadily growing number who are
prepared for any class of business
and who are not always too partic-
ular and careful in the selection of
extra hazardous propositions. A
f3EAIN SPECIALISTS DIM? UT .1
TIENORY OF SEASONS.
Coll' Couelt stone of University of
Pennsylvania Psyehulegiet
Wrong.
Suicidal intpulses are liable to
effect persons of a .peculiar temper-
ament ab any time. The mania ;is
in season may and every one, of the
365 days of the yew', and is not
affected by climate, according to a
leading expert on mental diseases.
This statement i:s eorraborarbed by
other specialists and local coraners,
thus contradiobiug the recently ex-
pressed theory sol Dr, Edwin B.
Twitmyer, of the Peyehological De-
paa•t!nent of the University of
Pennsylvania, that the temptation
"to end it all" is ami d,e more irre-'
sistable by climate conditions eliar-
aoteristie of certain seasons.
It was the opinion of Dr.. Twit-
myer that the three self -destruc-
tions in one week recently among
the :students body of the university
ma,y an some subtle way have been
due Loa weather conditions then
prevalent in Philadelphia., and not
the result of auto -suggestion.
Humans Change Thrice Yearly.
profitable business at Lloyd's is
that in,cverdue or abandoned ves-
Ile. !',aotetione run from 5 per
'.cub :: times to 95 per cent. and
ti•e •prat -
able
nt
Proved x
have��� s y
1r
.ta the layers of the odds.
The principle of Lloyd's is in
reality in .opposition to the true
principles of insurance, the prices
being known as hedgings. A pri-
vate individual being subject to the
chance of a fire bets the amount of
his annual premium that his pro-
perty will be burned within a year.
An insurance company bets that the
fire will not happen and guarantees
to pay for the damage xf it does.
The individual escapes from. uncer-
tainty ',o certainty. The insurance
company, on the other hand, while
relieving individuals of uncertain-
ty, incurs no uncertainty, because
it obtains the benefit of the law of
average. By undertaking 'a very
large number of risks an insurance
company puts itself in the same
position as a. man who buys all the
tickets in a lottery. While unable
to reap the " large profit which
might accrue to the holder of
A Single I'r[ze Ticket,
the insurance company, because it
experiences average results, is
freed from the happening of very
heavy losses. Some critics, attack-
ing the system prevailing at
Lloy d'.,s, urge as one of the princi-
pal ,objections that people who in.
sure with underwriters walk by .
faith e',4d not by -sight. In the case
of an insurance company 'iher r ate
published accounts, ' but in the
case of underwriters neither . the.
committee of Lloyd's nor the pub-
lic knows anything whatever ,about
the liabilities or the means of meet-
ing thein.
Despite varione suggestions for
publicity, Lloyd's adheres to its Old
and well -tried rnebhods, and the
probity, and integrity of its mem-
bers and system have never been
questioned: The enormous losses of
which we read, estas'ta.°aplies of. so
terrible a nature .as the sinking of
the Titanic, are meet with prompti-
tude - and apparent equanimity.
However : painful theeffeet may
have been on the resources of the
underwriters, the outside would
never knows of it. The solvency-, of
Lloyd's as a. body is unquestioned,
and through manysevere tests it
has retained the great marine in-
ce hon jai` the world‘
The Real Importance
of the institution dates from 1775
to 1815. During the incessant wars
which devastated the fairest, por-
tions . of the continent, England, by
reason of her geographical position,
was the only country guaranteeing
security against the depredations of
Bonaparte. T.be risks then assumed
by the underwriters were large and
hazardous and resulted in heavy
losses, Rumors of tremendous ob-
ligations raised doubts in the pub-
lic mind as to the ability of Lloyd's
to meet the liabilities, and parlle-
ment was obliged to appoint the
customary royal commission, The
findings resulted in a. glorious, vic-
tory, and ever since Lloyd's s has re-
tained its world -commanding posi-
tion.
The ' institution heeded ail move-
ments ,aiming to diminish the dans
`ere of sea and land. It exposed.
and ,punished with draconic sever-
th. frauds in sending unseaworthy
ships -with worthless eergo:es a>oroas.
the ocean. Its greatest final
n hievenient ecrzsi:nted in organiz-
ing and. perfecting a system where- arra
''The science of physiology will
show, I believe," said Dr. Twit-
myer, "that there are abouts three
times in the year when the human
organism undergoes a. fundamental
Change in its natural effort to ad-
just itself to the ebanges in climate
the fall, the real winter cold and
the early spring. In this present
rnonth, the plants whioh have been
lying quiet during the winter, al-
ready ars astir with the prospect of
a new life.
"Human beings, likewise, are be-
ing stirred from. the very depths of
their natures, and as the sun gets
higher in the 'heavens, the spirit ,of
restlesenese takes a stronger hold,
and each of the constituent ele-
ments of the body is affected, until
a general state of instability ie pro-
duced. If a person has been
brooding too much and allowas, hive -
self to think along one lime 'too
much, the depression which seems
to arise from weather conditions
may become acute,"
"The •statement of Dr. Twitenyer
is mostly 'theoretical poppycock—
except that which he says about
bad weather as a depressant," said
the specialist quoted above. "Of
course .an overcast sky, a drizzling
rain and similar weather phoneme
ens give all of us the blues; bet -any day in the year is liable to be
•
dreary whether at Christmas, the
First of July or ,the Day of Judg-
ment. He is also right as rte the
brooding, but as to the rest—it is
far-fetched.
RE. GAVE SPI' ] TIIO 1 SAN»
DOLLARS ,FOR ONE ,,
A Vastly Overrated Creature -all
Possesses No Intelligence, ,
lust Instinoi,
Flea quotations were seat flutter
big • upward a few days: ago when
Bazaon Alfe d de Rothschild piaci
$5,000 for a flea from the ,coat of
sea otter.
For rarestamp, $5,000—yes.
For a rare coin, $5;000-cerbaha-
aY:
For a rare book, $5,000 of
couxsa.
For a rare flea,, $5,000
well l
Everybody smiled -with an .air o<f'
questioning doubt, No, not every-
body, for there are some folks who
recognize ,th,at an unusual flea
might be as neoeseary to the hap-
piness of a flea 'sollleetor..+as is an
illr+m4naated manuscript to a biblio-
phile or a Shat impressi,oii •ta 61'71eteJii-ng enithusiasti.
' "The public ough to know move
about' fleas," declared one eeie>a-
List, who was much interested
Baron de Robhschild';s purehase.
"The American Museum of
Lural History is at present ha
made from a, flew, a. model a, fa.
length for exhibition purposes.
will: be ready for public inspecbioi,
in a few weeks, so that persons
an unscientific mind may he °able
'to see •
What a Flea Really Looks Like■
Merely Coincidence.
"The fact that three students of
the University of • Pennsylvania
killed themselves within a week
probably is nothing more than a
coincidence. None of us can say
why they did it be•eause we do not
know what their personal or inmost
thought must rliave been.
"Heredity is a, atrong factor in
suicide. While some temilies 'have
come down from generations with-
out even its distant members har-
boring thought of. suicide, other
family histories are full of such tra-
gedies. Often the impulse is in the
blood, like aform of insanity."
Use For Talent.
Every man, every woman, every
child has some talent, some power,
some .opportunity of getting good
and doing good. Each day offers
some occasion for using this talent.
As we use it it gradually increases,
improves, becomes native to the
character. As we neglect it it
dwindles and withers and disap-
pears. This is the stern and be-.
nign law by which we live. This
'makes character real and enduring..
A rheumatio sufferer knows a sure
cure for everybody else's aches and
pains.
•
"As a. meeker of feet," continued
the scientist, "there is very little
likellhaod that this five thousand
dollar creature is a flea at all. It
is very probably a close relative of
the Dermacentor Amezicanuas.
There are a great many other small
creatures masquerading as 'fieaai_
There .is the sand flea, for instance,
whieh is really as little like a. flea
as a snake is like an elephant,. '
"1 shotild think they were not
large enough to be so different,"
remarked an inquiring layman.
The scientist allowed this to pass
unnoticed.
"Do you know what an anhahra-
pod isl" he inquired with an un-
compromising severity. "The sari
flea ia aro a,mthropod; an anthropoa
is a crustacean; even you eau se
that a genuine flea is not crusta
cean." '
Count one ;crushed layman.
"The flea, continued the savez�
Mist, "has •been 'a vastly overra,te�d
oreaature, se far x intedligense
goes. Simply because fleas have
been able to go en the stage the
public has decided that they are in-
telligent. The mere fact that they
can draw .little wagons and other-
wise perform for the amusement of
the pubiie means nothing. The se-
cret of all this is instinct, not in-
telligence: The fact that a. fly in
a bottle will find. its way out when
the open end of the bottle is toward
the light doesn't show that the fly
uses its intelligence to get out Of
the bottle;
Two Irishmen on a sultry night,
immediately after ;their arrival in
Indio, took refuge underneath the
bedclothes from a skirmishing party
of ni squitoes. At last one of them,.
gasping for breath, ventured to
peep beyond the blankets
h had
firefly w�and by
which. Chance eispied a y
Stayed znto the room. Arousing
as companionwith a'krek, -he said:
"Fergus, Fergus, it's no use. Ye
,Leight as well come out. Here's one.
of ithe ereyters looking" for ue wid a
anbern 1,,
It Simply Follows Its Instinct
to go toward the light. In the e
way the trainer of fleas bases
training on their instinct.
"How can an a'ma'teur tell a gen
nine flea from its imitators?" v.
asked. .,
"The genuine flea," 'replied
scientist, "has only six legs:
two front ones are •short, the'
dire set ,are ;of medium length, ans
the back legs are long. It is this
graduated Set of legs 'which enables
the flea to leap so quickly. The
quickness• of the jump made possi-
ble by 'thee lung hind lege ac-
counts also for that effusiveness
which is regarded as one of its most
striking chaireeteristics by those
with wham a flea may have acme in.
contact. The fact that one flea can
frequently produce the impression
of a ilea .army is ,oleo to be traced
to the astonishing agility of the
creature. - The ,sea otter `flexr,'
would not have theee oharaoteris-
tics. In regard to its habits of resi-
dence alone would ib be coin ni.ra,-
ble toga. flea:"
It was a source of surprise, if nob
of sorrow, to learn that not All
"fleas is fleas:" Perhaps it were
better to leave the Pulex irribans
and all of its ilk to thescientists:
and Fido. -
The woman with an ideal .'K isban
very likely wishes she had some
other kind
Occasionally we meet a man w'he.
can't stand prosperity, but more
often we encounter men who never
lied a chance to find out,
U J S
Tim's
living
bled and
Mons b3
witty ,M
had on
in the
when
elf as f
e noble
=tingle
us wit
ndish v
will fir
ked ha
to 'put
g the
s from
times
Ozer
is no
the it
arouse,
ughout.
who
nal p
is gre:
ki's ra
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