Sinking to his knees the atheist lifted his eyes to the heavens, and with his feeble voice and the fervor born of helplessness, prayed to the God that he denied. He begged for the life of the waif in his care—for the safety of the mother, so needful to the little one—and for courage and strength to do his part and bring them together. But beyond the appeal for help in the service of others, not one word or expressed thought of his prayer included himself as a beneficiary. So much for pride. As he rose to his feet, the flying-jib of a bark appeared around the corner of ice to the right of the beach, and a moment later the whole moon-lit fabric came into view, wafted along by the faint westerly air, not half a mile away.

He sprang to the fire, forgetting his pain, and throwing on wood, made a blaze. He hailed, in a frenzy of excitement: “Bark ahoy! Bark ahoy! Take us off,” and a deep-toned answer came across the water.

“Wake up, Myra,” he cried, as he lifted the child; “wake up. We’re going away.”

“We goin’ to mamma?” she asked, with no symptoms of crying.

“Yes, we’re going to mamma now—that is,” he added to himself; “if that clause in the prayer is considered.”

Fifteen minutes later as he watched the approach of a white quarter-boat, he muttered: “That bark was there—half a mile back in this wind—before I thought of praying. Is that prayer answered? Is she safe?”

ON the first floor of the London Royal Exchange is a large apartment studded with desks, around and between which surges a hurrying, shouting crowd of brokers, clerks, and messengers. Fringing this apartment are doors and hallways leading to adjacent rooms and offices, and scattered through it are bulletin-boards, on which are daily written in duplicate the marine casualties of the world. At one end is a raised platform, sacred to the presence of an important functionary. In the technical language of the “City,” the apartment is known as the “Room,” and the functionary, as the “Caller,” whose business it is to call out in a mighty sing-song voice the names of members wanted at the door, and the bare particulars of bulletin news prior to its being chalked out for reading.

It is the headquarters of Lloyds—the immense association of underwriters, brokers, and shipping-men, which, beginning with the customers at Edward Lloyd’s coffeehouse in the latter part of the seventeenth century, has, retaining his name for a title, developed into a corporation so well equipped, so splendidly organized and powerful, that kings and ministers of state appeal to it at times for foreign news.

Not a master or mate sails under the English flag but whose record, even to forecastle fights, is tabulated at Lloyds for the inspection of prospective employers. Not a ship is cast away on any inhabitable coast of the world, during underwriters’ business hours, but what that mighty sing-song cry announces the event at Lloyds within thirty minutes.

One of the adjoining rooms is known as the Chartroom. Here can be found in perfect order and sequence, each on its roller, the newest charts of all nations, with a library of nautical literature describing to the last detail the harbors, lights, rocks, shoals, and sailing directions of every coast-line shown on the charts; the tracks of latest storms; the changes of ocean currents, and the whereabouts of derelicts and icebergs. A member at Lloyds acquires in time a theoretical knowledge of the sea seldom exceeded by the men who navigate it.

Another apartment—the Captain’s room—is given over to joy and refreshment, and still another, the antithesis of the last, is the Intelligence office, where anxious ones inquire for and are told the latest news of this or that overdue ship.

On the day when the assembled throng of underwriters and brokers had been thrown into an uproarious panic the Crier’s announcement that the great Titan was destroyed, and the papers of Europe and America were issuing extras giving the meager details of the arrival at New York of one boat-load of her people, this office had been crowded with weeping women and worrying men, who would ask, and remain to ask again, for more news. And when it came—a later cablegram,—giving the story of the wreck and the names of the captain, first officer, boatswain, seven sailors, and one lady passenger as those of the saved, a feeble old gentleman had raised his voice in a quavering scream, high above the sobbing of women, and said:

“My daughter-in-law is safe; but where is my son,—where is my son, and my grandchild? “Then he had hurried away, but was back again the next day, and the next. And when, on the tenth day of waiting and watching, he learned of another boat-load of sailors and children arrived at Gibraltar, he shook his head, slowly, muttering: “George, George,” and left the room. That night, after telegraphing the consul at Gibraltar of his coming, he crossed the channel.

In the first tumultuous riot of inquiry, when underwriters had climbed over desks and each other to hear again of the wreck of the Titan, one—the noisest of all, a corpulent, hook-nosed man with flashing black eyes—had broken away from the crowd and made his way to the Captain’s room, where, after a draught of brandy, he had seated himself heavily, with a groan that came from his soul.

“Father Abraham,” be muttered; “this will ruin me.”

Others came in, some to drink, some to condole—all, to talk.

“Hard hit, Meyer?” asked one.

“Ten thousand,” he answered, gloomily.

“Serve you right,” said another, unkindly; “have more baskets for your eggs. Knew you’d bring up.”

Though Mr. Meyer’s eyes sparkled at this, he said nothing, but drank himself stupid and was assisted home by one of his clerks. From this on, neglecting his business—excepting to occasionally visit the bulletins—he spent his time in the Captain’s room drinking heavily, and bemoaning his luck. On the tenth day be read with watery eyes, posted on the bulletin below the news of the arrival at Gibraltar of the second boat-load of people, the following:

“Oh, mine good God,” he bowled, as he rushed toward the Captain’s room.

“Poor devil—poor damn fool of an Israelite,” said one observer to another. “He covered the whole of the Royal Age, and the biggest chunk of the Titan. It’ll take his wife’s diamonds to settle.”

Three weeks later, Mr. Meyer was aroused from a brooding lethargy, by a crowd of shouting underwriters, who rushed into the Captain’s room, seized him by the shoulders, and hurried him out and up to a bulletin.

“Read it, Meyer—read it. What d’you think of it?” With some difficulty he read aloud, while they watched his face:

“What do you make of it, Meyer—Royal Age, isn’t it?” asked one.

“Yes,” vociferated another, “I’ve figured back. Only ship not reported lately. Overdue two months. Was spoken same day fifty miles east of that iceberg.”

“Sure thing,” said others. “Nothing said about it in the captain’s statement—looks queer.”

“Vell, vwhat of it,” said Mr. Meyer, painfully and stupidly: “dere is a collision clause in der Titan’s policy; I merely bay the money to der steamship company instead of to der Royal Age beeple.”

“But why did the captain conceal it?” they shouted at him. “What’s his object—assured against collision suits.”

“Der looks of it, berhaps—looks pad.”