Havoc

"How much do you consider would be a satisfactory balance to commence with?" Laverick asked.

"I was thinking of a thousand pounds, sir."

Laverick was thoughtful for a few moments.

"By the way, what is your name?" he inquired at last.

"James Shepherd, sir," the man answered,--"generally called Jim, sir."

"Well, you see, Shepherd," Laverick continued, "the difficulty is, in your case, as in all similar ones, that one never knows where the thing will end. A thousand pounds is a considerable sum, but in four amounts, with three months interval between each, it could be arranged. This would be better for you, in any case. Two hundred and fifty pounds is not an unheard-of sum for you to have saved or got together. After that your investments would be my lookout, and they would produce, as I have said, another seven hundred and fifty pounds. But what security have I--has Mr. Morrison, let us say--that you will be content with this sum?"

"He hasn't any, sir," the man admitted at once. "He couldn't have any. I'm a modest-living man, and I've no desire to go shouting around that I'm independent all of a sudden. That wouldn't do nohow. A thousand pounds would bring me in near enough a pound a week if I invested it, or two pounds a week for an annuity, my health being none too good. I've no wife or children, sir. I was thinking of an annuity. With two pounds a week I'd have no cause to trouble any one again."

Laverick considered.

"It shall be done," he said. "To-morrow I shall buy shares for you to the extent of two hundred and fifty pounds. They will be deposited in a bank. Some day you can look in and see me, and I will take you round there. You are my client who has speculated under my instructions successfully, and you will sign your name and become a customer. After that, you will speculate again. When your thousand pounds has been made, I will show you how to buy an annuity. Keep your mouth shut, and last night will be the luckiest night of your life. Do you drink?"

"A drop or two, sir," the man admitted. "If I didn't, I guess I'd go off my chump."

"Do you talk when you're drunk?" Laverick asked.

"Never, sir," the man declared. "I've a way of getting a drop too much when I'm by myself. Then I tumbles off to sleep and that's the end of it. I've no fancy for company at such times."

"It's a good thing," Laverick remarked, thrusting his hand into his pocket. "Here's a five-pound note on account. I daresay you can manage to keep sober to-night, at any rate. That's all, isn't it?"