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At first it lurks there unnoticed, battening upon the rich, rank food it finds around it, until, grown too big to hide longer, it boldly shows its hideous head, and the white face of Terror runs swiftly through alley and street, crying as it runs, forces itself into John Ingerfield's counting-house, and tells its tale. John Ingerfield sits for a while thinking.

But at the time of John Ingerfield's strange wooing she was the Anne Singleton of Sir Joshua's portrait, and John Ingerfield liked her the better that she was. He had no feeling of sentiment in the matter himself, and it simplified the case that she had none either. He offered her a plain bargain, and she accepted it.

Replies Captain Ingerfield, "That is just what he will have to do before I give up one of my people," and fights the big frigate fights it so fiercely that after three hours Captain of King's frigate thinks it will be good to try argument again, and sends therefore a further message, courteously acknowledging Captain Ingerfield's courage and skill, and suggesting that, he having done sufficient to vindicate his honour and renown, it would be politic to now hand over the unimportant cause of contention, and so escape with his treasure.

"Excellent idea delighted to hear it, I'm sure," replies Will, somewhat less interested in the information than in the delicately flavoured Madeira he is lovingly sipping. "Who's the lady?" "I don't know, yet," is John Ingerfield's answer. His friend glances slyly at him over his glass, not sure whether he is expected to be amused or sympathetically helpful. "I want you to find one for me."