AN INSURABLE INTEREST

The sun was hot and Jimmy loafed in an easy chair at the shady end of

the terrace. Laura occupied a chair opposite; the small table between

them carried some new books, and flowers and fruit from the Pacific

coast. In the background, a shining white peak cut the serene sky.

Three or four young men and women were on the veranda steps not far off.

A few minutes since they had bantered Jimmy, but when Laura arrived they

went. Jimmy rather thought she had meant them to go and he gave her a

smile.

"I expect you have inherited some of Mr. Stannard's talents," he

remarked.

"For example?"

Jimmy indicated the rather noisy group. "It looks as if you knew my head

ached and I couldn't stand for Stevens' jokes. When you joined me he and

his friends went off. Your father arranges things like that, without

much obvious effort."

"I knew the doctor stated you must not be bothered," Laura admitted.

"Besides, I engaged to go fishing with Stevens and some others, and

before I get back expect I'll have enough."

"Is Dillon going?"

"Frank planned the excursion," said Laura and Jimmy was satisfied.

Dillon was a young American whom Jimmy rather liked, but to think Laura

liked Frank annoyed him. Now, however, she had admitted that his society

had not much charm.

"Anyhow, you're very kind," he remarked, and indicated the fruit and

flowers. "These things don't grow in the mountains."

"The station is not far off and to send a telegram is not much bother."

"To send up things from Vancouver is expensive."

"Sometimes you talk like a cotton manufacturer," Laura rejoined.

Jimmy colored but gave her a steady glance. "It's possible. My people

are manufacturers; my grandfather was a workman. Not long since, I meant

to cultivate out all that marked me as belonging to the cotton mill. Now

I don't know-- Perhaps I inherited something useful from my grandfather;

but in the meantime it's not important. You _are_ kind."

"Oh, well," said Laura. "You were moody and the doctor declared you had

got a very nasty jolt."

"I was thoughtful. To some extent you're accountable. When one is forced

to loaf one has time to ponder, and when you inquired if I knew where I

went--"

He stopped, for a guide, carrying fishing rods and landing nets, went

down the steps and Stannard came out of the hotel.

"Your party's waiting for you," Stannard remarked to Laura, who got up

and gave Jimmy a smile.

"Get well and then ponder," she said and joined the others.

Jimmy frowned. The others, of course, ought not to wait for Laura, but

Stannard had sent her off like that before. All the same, he was her

father and Jimmy owned he must not dispute his rule. When the party had

gone, Stannard sat down opposite Jimmy and lighted a cigarette.

"I'm glad to note you make good progress."

"In a day or two I'll go about as usual. In fact, if the others go

fishing to-morrow, I'll try to join them. I think I could reach the

lake."

"Some caution's necessary," Stannard remarked. "You got a very nasty

shake and ran worse risks than you knew. When you stopped in the bank of

gravel your luck was remarkably good; I did not expect you to stop until

you reached the glacier. Then, had I not had a thick coat that helped to

keep you warm, you might not have survived the shock. Afterwards much

depended on Deering's speed and his getting men who knew the rocks.

Indeed, when we started I hardly thought we could carry you down in

useful time."

Jimmy was puzzled, because he did not think Stannard meant to imply that

his help was important. The risk Jimmy had run, however, was obvious,

and Stannard's talking about it led him to dwell on something he had

recently weighed.

"Since I was forced to stay in bed I've tried to reckon up and find out

where I am," he said. "You are my banker. How does the account stand?"

"I imagine Laura's advice was good; wait until you get better," Stannard

said carelessly.

"When I start to go about, I'll be occupied by something else. How much

do I owe?"

For a few minutes Stannard studied his note-book, and when he replied

Jimmy set his mouth. He knew he had been extravagant, but his

extravagance was worse than he had thought.

"Until I get my inheritance, it's impossible for me to pay you," he said

with some embarrassment. "I, so to speak, have pawned my allowance for a

long time in advance."

"Something like that is obvious."

"Very well! What am I going to do about it?"

"My plan was to wait until you did get your inheritance; but I see some

disadvantages," said Stannard in a thoughtful voice.

"The trouble is, I might not inherit," Jimmy agreed. "One must front

things, and climbing's a risky hobby. We mean to shoot a mountain sheep

and I understand the big-horn keep the high rocks. Then we have

undertaken to get up a very awkward peak. Well, suppose I did not come

back?"

"You don't expect a fresh accident! Haven't you had enough? However, if

your gloomy forebodings were justified, I expect your relations would

meet my claim."

"After all, mountaineering accidents are numerous, and you don't know

Dick Leyland. You have got a bundle of acknowledgments, but the notes

are not stamped and Dick hates gambling. It's possible he'd dispute my

debts and he's a remarkably keen business man."

"If that is so, it might be awkward," Stannard agreed. "But what about

the other trustee?"

"Sir James is in India; I expect he'd support Dick. During their

lifetime my share is a third of the house's profit, but, unless they're

satisfied, I cannot for some time use much control. In fact, they have

power to fix my allowance."

Stannard's look was thoughtful, as if he had not known; but since Laura

knew, Jimmy wondered why she had not enlightened her father.

"Very well," said Stannard. "My plan might not work. Have you another?"

The other plan was obvious. Jimmy was surprised because Stannard did not

see it.

"You trusted me and I mustn't let you down," he said with a friendly

smile. "If we insure my life, you'll guard against all risk."

"My interest is insurable--" Stannard remarked and stopped. Then he

resumed in a careless voice: "Your caution's ridiculous, but if you are

resolved, I suppose I must agree. In order to satisfy you, we'll look up

an insurance office at Vancouver."

Somehow Jimmy was jarred. Stannard's remark about his insurable interest

indicated that he had weighed the plan before, and Jimmy thought his

pause significant. Then, although he had agreed as if he wanted to

indulge Jimmy, his agreement was prompt. For all that, the plan was

Jimmy's and Stannard's approval was justified.

Then Deering came along the terrace and said to Stannard, "Hello! I

thought you had gone to write some letters, and Jimmy's look is

strangely sober. Have you been weighing something important?"

The glance Stannard gave Jimmy was careless, but Jimmy thought he meant

Deering was not to know.

"Sometimes Jimmy's rash, but sometimes he's keener than one thinks.

Anyhow, he's obstinate and we were disputing about a suggestion of his I

did not at first approve. I wrote the letters I meant to write. Sit down

and take a smoke."

Deering sat down and they talked about the peaks they had planned to

climb.

A week or two afterwards, Stannard and Jimmy went to Vancouver, and when

he had seen the insurance company's doctor Jimmy walked about the

streets. He liked Vancouver. When one fronted an opening in the rows of

ambitious office blocks, one saw the broad Inlet and anchored ships.

Across the shining water, mountains rolled back to the snow in the

North; on the other side, streets of new wooden houses pushed out to

meet the dark pine forest. The city's surroundings were beautiful, but

Jimmy felt that beauty was not its peculiar charm.

At Montreal, for example, one got a hint of cultivation, and to some

extent of leisure, built on long-established prosperity. Notre Dame was

rather like Notre Dame at Paris and St. James's was a glorious

cathedral. Quiet green squares checkered the city, and the streets at

the bottom of the mountain were bordered by fine shade trees. Vancouver

was frankly raw and new; one felt it had not yet reached its proper

growth. All was bustle and keen activity; the clang of locomotive bells

and the rattle of steamboat winches echoed about the streets. Huge

sawmills and stacks of lumber occupied the water-front. Giant trunks

carried electric wires across the high roofs, and, until Jimmy saw the

firs in Stanley Park, he had not thought logs like that grew.

Then he thought the citizens typically Western. Their look was keen and

optimistic; they pushed and jostled along the sidewalks. Jimmy saw an

opera house and numerous pool-rooms, but in the daytime nobody seemed to

loaf. All struck a throbbing note of strenuous business. Jimmy studied

the wharfs and mills and railroad yard, but for the most part he stopped

opposite the land-agents' windows.

The large maps of freshly-opened country called. Up there in the wilds,

hard men drove back the forest and broke virgin soil. Their job was a

man's job and Jimmy pictured the struggle. He had loafed and indulged

his youthful love for pleasure, but the satisfaction he had got was

gone. After all, he had inherited some constructive talent, and he

vaguely realized that his business was to build and not to squander.

Then Laura and the doctor had worked on him. Laura had bidden him study

where he went; the other hinted that he went too fast.

At one office he saw a map of the country behind the hotel and he picked

out the valley in which was Kelshope ranch. There was not another

homestead for some distance and a notice stated that the land was cheap.

Jimmy pondered for a few minutes and then went in.

The agent stated his willingness to supply land of whatever sort Jimmy

needed, but he thought, for an ambitious young man, the proper

investment was a city building lot. In fact, he had a number of useful

lots on a first-class frontage. Jimmy studied the map and remarked that

the town had not got there yet. The agent declared the town would get

there soon, and to wait until the streets were graded and prices went up

was a fool's plan. Jimmy stated he would not speculate; if the price

were suitable, he might buy land in the Kelshope valley on the other

map.

The agent said the valley was not altogether in his hands. Kelshope was

in Alberta, but for a split commission he could negotiate a sale with

the Calgary broker. If one bought a block and paid a small deposit, he

imagined a good sum might stand on mortgage. Jimmy replied that he would

think about it and went off. It was not for nothing he had studied

business methods at the Leyland mill.

In the evening he and Stannard occupied a bench in the hotel rotunda.

Cigar-smoke floated about the pillars; the revolving glass doors went

steadily round, and noisy groups pushed in and out, but Stannard had got

a quiet corner and by and by Jimmy asked: "Have you agreed with the

insurance office?"

"They have not sent the agreement. I expect to get it."

"Then, I'd like you to go back in the morning and insure for a larger

sum. I'll give you a note for five hundred pounds."

"I haven't five hundred pounds," said Stannard with surprise. "Why do

you want the sum?"

"I'm going to buy a ranch near Jardine's," Jimmy replied. "The agent

wants a deposit and I must buy tools. Can you help?"

Stannard looked at him hard and hesitated, but he saw Jimmy was

resolved.

"I might get the money in three or four weeks. It will cost you

something."

"That's understood," Jimmy agreed. "I don't, of course, expect the sum

for which you'll hold my note. Will you get to work?"

"I rather think your plan ridiculous."

"You thought another plan of mine ridiculous, but you helped me carry it

out," Jimmy said quietly.

Stannard looked up with a frown, for Deering crossed the floor.

"I've trailed you!" he shouted. "There's not much use in your stealing

off."

"I didn't know you had business to transact in Vancouver," Stannard

rejoined.

"Dillon had some business and brought me along," said Deering with a

noisy laugh. "Looks as if my job was to guide adventurous youth."

Jimmy smiled, for he imagined the young men Deering guided paid

expensive fees. He did not know if Deering's occupation was altogether

gambling, but he did gamble and his habit was to win. Yet Jimmy liked

the fellow.

"Jimmy's mood is rashly adventurous; he wants to buy a ranch," Stannard

resumed. "I understand he has interviewed a plausible land-agent."

"All land-agents are plausible," said Deering. "Tell us about the

speculation, Jimmy."

Jimmy did so. Stannard's ironical amusement had hurt, and he tried to

justify his experiment.

"Looks like a joke; but I don't know," said Deering. "If you can stand

for holding down a bush block until the neighborhood develops, you ought

to sell for a good price. All the same, the job is dreary. Have you got

the money?"

"I was trying to persuade Stannard to finance me. He doesn't approve,

but thinks he could get the sum."

"That plan's expensive," Deering observed. "What deposit does the agent

want?"

Jimmy told him and he pondered. Stannard said nothing, but Jimmy thought

him annoyed by Deering's meddling. Moreover, Jimmy thought Deering knew.

After a few moments Deering looked up.

"If you mean to buy the block, I'll lend you the deposit and you can pay

me current interest. I expect the agent will take a long-date mortgage

for the rest, but you ought to ask your trustees in England for the

money."

"Have you got the sum?" Stannard inquired.

"Sure," said Deering, with a jolly laugh. "Dillon and I met up with two

or three sporting lumber men who have just put over a big deal. My luck

was pretty good, and I'd have stuffed my wallet had not a sort of

Puritan vigilante blown in. He got after the hotel boss, who stated his

was not a red light house."

Jimmy studied the others, and although Stannard smiled, was somehow

conscious of a puzzling antagonism. On the whole, he liked Deering's

plan; he did not think Dick Leyland would agree, but Sir Jim might do

so.

"Thank you, but Stannard's my banker," he replied. "All the same, in the

morning I'll write to my trustees."

"Oh, well," said Deering. "If you want the money, I'm your man. But

let's get a drink."

Northwest! · 第 20 / 81 题