--- = 3 hf 'Doom of Darell Greatheart This is an immensely serious his- tory. i tages of truth. Darell Greatheart was a hero-- six feet of sunburned Darell Greatheart was a hero. What else could he be with such a name? But he was a hero quite apart from his name. For three years he had searched the black depths and ecaled the almost im- passable heights of New Guinea. For three years Monica Bellhouse had waited for him, patient in her ay as only a woman in love can e And from the time when the news of his forthcoming return became known, and the papers searched their subeditorial headline vocabu- lary for adjectives, she had thrilled with the knowledge that she--Mon- ica Bellhouse--was beloved of him. He arrived in England and at her mother's house only in time for din- ner. It was 10.30 ere he was tact- fully allowed to escape and to dis- cover Monica in the conservatory. For a few moments they talked those . words whose profound sweetness is in a sighing, & laughter of = Naies and heart, the quiver of a "Tell me, Sandi " she said at last; "tell me all about every- thing--your dangers and triumphs, your trials, your thoughts, your pleasures.' 'My thoughts and my pleasures were one and thoughts were of you, heart . But you have heard at the dinner table (Oh, how I longed to leave it and realize the ese h Py that I tried to do." "And did @an 'Hush !" he -- laughing soft- ly, "or you'll make my modesty afraid of you. Tell. me about you. That is much more important." "Silly thing !" ehe laughed back, laughing with the joy of knowing that it mattered not an atom of what they talked. "What have I lone, dear, nothing! I've told you letters." n my . Bellhouse allowed her eaccittabls the dan- "Um!"' he - said, ees his| daughter's head to thud upon the| Ser of an inscrutable sea. head. Pra sew or = eee or Pree ler Coapecme forefinger _ Were bbe cat A egite 'towers d we Dar-|" "James!" she ori toot. | to return to his 1s man. "Bhiow ¢&e -6rfellow out |" of 1600, what piceiwink g nary ever happens to a girl in Lon- be his! It was he whose name don society.' tk! been immortalized in the commer- ite? if it depends upon one's idea of what is extraordinary, I suppose nothing is mend extra- ordinary nowadays, is it?" "Only the Hlimitable quantity of "Well, ! - . Oh!" she cried, suddenly. "Of cou rse How dreadfully stupid of me! There's the tango |" "Yes !" he-answered, without en- thusiasm. "Of course!" "Oh, you'll love it, Darell! You'll adore it! I am just pining and dying to dance it with you." "Yes, yes! Of course, dear!" "Yes. Do you know, I've learn- "No, no!" he said hurriedly, yet| repeated failure of Really 1"} § Similarly, Professor J. L. Myles I can hear it in your) acttributed the various invasions of abstractedly. 'There is! "No, no! voice_and see it in your face and} lgypt _ feel # in the air! There 'is some- thing wrong which you are hiding from me! You have some dreadful secret! Hoe raised his head and glanced fearfully round the conservatory. "No!" he said, and his voice was more than a whisper. "Noth- Really! Nothing at all!" i Oh! I am sure there Something horrible! © Some- thing you dare not teli me!" shook his head, but said not a word. "There is some dreadful secret which you are afraid to tell me] I cannot marry, you thus, Darall! You must understand that! I can- not marry- you "Mo Hoa | De not throw me over. Do no 'Ybu mu must either tell me web is - weighing so eorely juponi you, or our engagement is----"' "Give me a little time. Give me three weeks, Monica! You muet You must do I swear I do! "Listen, Darell!" ehe said fi "T shall expect you at 4 o'clock on Novémber 22nd. mn you elther tell me what secret so haunts you, or we must part!" re Rig Ben struck the hour Dar- the lecturer Lybia. ed that if this desiccation Mathie 5 twenty years to his age. His vital- ity, his air of strength and deter- mination were gone. He was old-- bowed dnd feeble as an old man He ii her and she awaited Monies |? he burst forth, his voice full of pain, "Have pity on me ! I am about to tell you is horrible, IT: know. You'are only & woman--weak and unaccustomed to the diabolical things of life--and yet I pray you to allow me the com- passion which is woman's divinest 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 silenoe--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 iled. am an outcast! T know it I do know it! And yet aes crave your pity as I crave your love 'Tell me!" she said, unsteadily. He bent down, trembling with his intensity of emotion, and hagsetts whispered into her ear. She threw up her arms, 'and, with one shrill ory, fainted. Darell--the man who had faced undismayed the terrors of savagery in" man and aa d| though paralyzed Dimly he was conscious 'of Lady Bailbacine coming into the room. He saw her, as in-a dream, rush to|' where Monica lay and lift the girl's head up as she bent over her. "Monica! My dear; my sweet ! onica!" she cri The girl opened her eyes, and as they fell upon Darell she moaned horribly, fearfully. "Send him away!' she whisper- ed. "Mother, send him away!" 'What is it, dear? Yes, yes! My pet! sat is it?' "Sen: him away! Quickly! Quickie !"' she oried, her voice weak with the pain of horror. 'He can- not tango!" EARTH DRYING UP? Present Supplies of Moisture Will Last a While Longer. Is the earth drying up? In old days the most dreaded catastrophe was the end of the wérld by fire. '|; Ought we rather to dread not too much fire, but too littl water? Professor 'J. W. Gregory discussed the question at a meeting of the Royal Geographical Society at Bur- lington House, over which Lord Curzon présided. At the outset uoted the opinion of Rowland Oe lau that Eurepe is almost perceptibly hastening to a ed 179 steps! One hundred and| minimum of spring and summer seventy-nine !" he repeated, me-| brightness, and that before 400 chanically. years. have passed there will be no There was silenco for a moment. nos irie made in Champagne nor "Darell |" she exclaimed fear- urgindy nor the Gironde, says fully. . the London "Duroetcln 'Yes?' he asked in a monoton-| .Prince Kropotkin, he said, also ous voice. attributed the overthrow of the "What is it? What is the mat-} Roman empire to the dwindling ter? What is making you 60/ rainfall of central Asia, which turn- » moody? There's something wrong!"|ed whole tribes-into nomads by the their crops. to drought in Arabia and Prince Kropotkin contend- of the earth was to go on it must lead to further great, political changes, for in time the populations of the world would be forced out of the centers of the' continents and crowded into the continental margins. After giving these quotations, Professor Gregory went on to show by means of pau ee elides that in parts of central Asia, of North America, of Australia and of North- ern Africa lakes and rivers are drying up. But he admits that the evidence which he his collected al- lows of other spelanetions Deal- ing with northern and north-west- ern Europe, he cnt that,there has been no important change in cli- mate during thé last 1,800 years. Archaeological and historical evi- dence also shows that central Asia and thé coasts of Persia had a very' arid climate in the earliest times of which we have records. Scandina- via, Germany, Hungary, Rouman- ia, the eastern and southern parts of North' America and parts of Africa are characterized by an in- creased humidity, and there is some evidence of the same change follow- ing a-dry post-glacial period in 'England. So it seems that this world will be able to go on' @ little while longer with its Reset supplies of moisture, hehe highest recommendati BELL Tals FR LOST sl AT LLOYD'S IN THE ROYAL EXCHANGE, LONDON. gantic- Insurance Business in the World. sounding through the hum of talk} in a great business hall--this typi- surroundings and modern trade for the visitor to Lloyd's in the Royal! Exchange. If he does not know the history of the See and is curious enough to ask baal of the sound, he will find a pictu explanation of the business of tke ae hall in the reply that the bell is tolled because a ship has been lost. Lloyd's is a world centre of mariné insurance. turies ago the business. of assum- ing risks for cargoes sent by sea be- gan to concentrate there, and it est of insurance houses. Early in its history the old bell was hung in the underwriters' room and the custom of tolling it whenever a ip was-lost was begun. Ever since that time, through various changes 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' Py metropolis rea- as|lize the gigantic business repre-|- sented in the name of Lloyd's-and fewer still have seen ng and the serious ceaseless activity of The Great Human Rechire. ° Yet, from the physical giant who in scarlet gown receives you at the gate and in stentorian voice the name of the member you we 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 ae "good old days,': when thére were neither steam nor armored ships, and no cable or wireless messages announced the departure or arrival of the vessels intrusted to cial 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 an 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 amon ding to the distances to - 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 1692, Lloyd's Street, and little by little an in- corporation took place, 'the name of Lloyd's was assumed and the house started on its career. 1774 Lloyd's was obliged to. seek still larger accommodation, 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 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, The risks then assumed by the underwriters were large and bazardous 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 parlia- ment was obliged to appoint the customary royal commission. The findings resulted in a glorious vic- tory, and ever since Lloyd's has re- tained its world-commanding posi- tion. The institution headed all move- ments aiming to diminish the dan- Bers of sea and land. It exposed and punished with, dra¢onic sever- ity frauds in sending unseaworthy ships with worthless cargoes across the ocean. Its greatest final hi t isted in organiz- ing and perfecting a system where- by néws from every quarter of the globe, from every bay, could be gathered with the utmost rapidity, By this system the movement of alinost, every ship, no matter where and when she was plying, and un- der which flag, could be traced. Needless to say, every conceivable description of craft was chronicled in Lloyd' 8 receiving Lioyad's" was regarded as haying On, Here Is Represented the Most Gi-|} The deep tones of an old. bel kn As long as three cen-{- has developed into one of the great- 4 of location, the bell has} coffee tavern removed to Lombard - Fe fies London's paradox of ancient wl +H will 'e lamieiniocsa that Pa ag Wolfe' s death at had His anxions to thes 'the legacies in- Fae by he ett the Government both for a pension that, Sar he the mother of a Nelson's wishes r son, and app to in the same way."' offices preventing the roan Sete 6 shaos iM | Saile OUk tor the Ring-¥0 to sign. even if he had waived the pay in his life- ¥ yeare later-the officials had i Hoey were On the day these letters were Vault in Which Admiral Whit taker's Remains Were Found. | just itself to the changes in climate THEORY OF SEASONS. ----- "Call Conclusions of University oe expe This other i and local coroners, thus ing the recently ex- senaeth th of Dr erage am » of , e+, al the University of ennsy that the temptation' lvania., "to end dt all" is made more irre- sistable by climate conditions char- acteristic 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' may in some subtle way have been due to weather conditions then prevalent in Philadelphia, and not the result of auto-suggestion. Humans Change Thrice. Yearly. "The science of physiology wil! show, I believe,' said Dr. Twit- myer, "that there are about three times in the year when the human organism undergoes a fundamental change in ite natural effort to ad- real winter cold and wi with the prospect of igh «oe >: beings, likewise, are be- tory. chief refer | dhajor-g aa emoluments of commander-in- on this more also the p and for the dee ho Bees wea cna Is sttander-in-chte ( Pitt, greatly to his credit, does not ap-: pear to have insisted on the sma]] | taker, who valiantly led the attack feturn of a pension asked by the which won Gibraltar for England, mother for her son's glorious vic-| has been discovered in Carshalton as commander-in-| Churchyard. Some ten years ago n aged gravedigger recalled that 'he had heard that in the churchyard, but for fifty years he ar The letters sent by Mr. Willson | in his boyhood dated 1762 and 1763, Thomas Fisher, Georg, gcoerics, Westerham), and Lord phelbarne. Wolfe, according to oF. -declared the payment. The new Secretary- at-War, however, Townshend,' was explanation from Mr. Pitt, then in published the jef. Mr. said : vo "The tomb of Admiral e pay waé also dispu ted. to this question. They are|the Admirdl's grave was are from Warde (of; has lain in a nameless graye. "While church extensions being undertaken recently on up the "command that he with on ae. Fost Was taken to $2 t the. in the churchyard, close to the wall. place was entered, and the alleged renunci n ington refused' to' countenance friendly, and the King was|a lead. shell, well. disposed and agreed to ayment, if he could obtain an and had appa probably soon mark the grave."' ; | covered" with vig waa i discord south-west side of the '. Daily Telegraph Whit- were some gtaves were removed. The oppor- to search once The coffin with its inscription found. It was rently been enclosed in wood. A slab will hero's ng, Sree Seve SSS very depths of their natures, and as the sun gots higher in the heavens, the spifit of restlessness takes a, stronger hold, and each of the constituent eles ments ofithe body is affected, until a general state of instability is pro/ duced. If 'a person, has been brooding too much and' allows him-, self to think along one line much, the depregsion which seems to arise from weather conditions may become acute.'" "The statement of Dr. Twitmyer is* mostly theoretical poppycock-- except that which he says about bad vd ge? as a depressant," said: srosginl RE above, "Of ae gre al of us the blues, but - 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 to the brooding, but as to the rest--it is far-fetched. Merely Coinoidence. rom Lloyd' wi wills The ed wi upon, man in all, have sums marin cent. prepa extra sels, Gent: havo The Large Room at Lloyd's contains during the busy hours . the day. perhaps 5,000 people. 8 Square tables, num hundreds, are arranged to accom- modate four persons each. underwriter has a gigantic volume in front 'of him, which he consults on propo The aggregate does not, however, represent one tithe of the fortune possessed by the underwriters. The published at times, bear testimony to the immensely profitable nature of the business. practically any amount is perform- soon as the course from table\to table and each against his proportion of the The wording of the. policy is. sim- plicity itself ; the insurers do hereby bind our- selves, each for his own part and not for one another, our heirs, ex- ecutors and administrators, to pay or make proce p ete., all such loss.as above tated not exceeding the sum. loss is proved, and that in propor= tion to the several sums by each of bs subscribed against our respec- tivenames: In witness whereof we, underwriting members of Lloyd's, transacted at Lloyd's is, of course, principal to touch any other form of ~~ risk. and who are not always tio partic- tilar end careful in the selection of profitable business at that in overdue or abandoned Sm able to the layers of the . The reality in opposition to the ing known as hedgings. ' ring aan Each time to time for information posed risks. A member of 8 is obliged to deposit £5, 00d the committeo as security. to pay for the damage if it tainty to certainty. company, on the other hand, of successful underwriters, company puts itself in- the underw riting of a policy for Sickete tt & isthere. to reap the large profit night accrue to the holder o A Single Prize Ticket, the insurance company, experiences average ith the greatest dispatch. As premium is agreed the document is sent on its namo risk. interested signs his heavy losses. Some critics, a ing the system Lloyd' "Know ye that we sure with underwriters faith and not by sight. to the assured's ex- ' ease of underwriters within seven days after such lic knows anything whatever the liabilities or the means of. ing them. Ru subscribed our names and] and well-tried methods, of money by us-insured." ies and integrity of its The Principal Business ers and system have never which we read, catastrophes ® msurance, and fully 80 per of the underwriters refuse on tude 'and However apparent There is, -however, painful red for any class of business! underwriters, the outside never hows. 'of it. hazardoys Srepoeoe ™ and through many severe te doyd's surance house af the world. Quotation s run from 5 per x sometimes to 95-per cent. and on ete at times proyed very profit- vety likely wishts ehe 'had other odds gee of Lloyd's is in * The individual escapes from uncer- The insurance relieving individuals of uncertain- ty, incurs no uncertainty, because it obtains the benefit of the law of average. By undertaking a very) pei number of risks an insurance position as a man who buys all the While unable because > res atte, freed from the happening of very prevailing at s, urge as one of the princi- pal objections that people who in- walk by In the case of an insurance eompany there are published accounts, but in- the neither the committee of Lloyd's nor eee Despite various suggestions for publicity, Lloyd's adheres to ite old and the questioned. The enormous losses of terrible a nature as the sinking of the Titanic, are met with prompti- equanimity. the effect may & steadily growing number who are! have boen on the resources of the The solvency of Lloyd's as a body is unquestioned, has remained the great marine in- The woman with an ideal husband true principles of insurance, the prices} killed themselyes within A pri- vate individual being subject to the! coincidence. chance of a fire bets the amount of| why they did it because we do not his annual premium that his pro-| know what their personal or inmost! perty will be burned within a year. An insurance company bets that the fire will not happen and guarantees does. while fame which f ttack- ut meet- mem- been of s0 world? sts it some "The fact that three students of the 'University of Pennsylvania, a week! prebably is-nothing more than e& None of us can say! thought must have been. 'Heredity is a strong factor in suicide. ' While some families have come down from generations with- out even its distant members har- boring thought of suicide, other family histories are full of such tre gedies. Often the impulse i is in ¢ blood, like a form of insanity." ---- FACT AND FANCY, The girl of today is two inches - taller, on the average, than her mother, A gold watch in the eichtecnth century could not be bought under $800. Because a hen eats tacks, it's no | sign she's going to lay a carpet. Rosewood, mah nogany and violet wood, for inlaying fine furniture, ar ecu! into sheets 1-50th of an inch thick = A girl celdom means what she says, but sometimes by mistake she says what she means, Wrinkles are caused, not by -wor- ry, but by Jaughing. arried men "are signposts happiness. Some of them, howe, are, danger signals. Artificial ice dates from 1783., Some women think theniselvee artistic because they pencil their webine and paint their cheeks. lowers never marry widows., They choose young gir tls, Throwing a kiss is something like | dining in imagination on-the rich: bill-of-fare you sec printed in the papers. When a man marries he wants an angel; then, after the honeymoon) he growls because he didn't get a cook. ; A girl, like your shadow, flecs when you follow, and follows when you' flee. prance | TON Oessasionally we meet a man who can't stand prosperity, but more often we encounter men who never had a chance to find out.