Miss Drewitt, glancing over at Edward Tredgold, saw that he looked very thoughtful.
"You've lost your bet," she said, pointedly.
"I know," was the reply.
His gaiety had vanished and he looked so dejected that Miss Drewitt was reminded of the ruined gambler in a celebrated picture.

She tried to quiet her conscience by hoping that it would be a lesson to him.

As she watched, Mr.Tredgold dived into his left trouser-pocket and counted out some coins, mostly brown.

To these he added a few small pieces of silver gleaned from his waistcoat, and then after a few seconds' moody thought found a few more in the other trouser-pocket.
"Eleven and tenpence," he said, mechanically.
"Any time," said Mr.Chalk, regarding him with awkward surprise.

"Any time." "Give him an I O U," said Captain Bowers, fidgeting.
"Yes, any time," repeated Mr.Chalk; "I'm in no hurry." "No; I'd sooner pay now and get it over," said the other, still fumbling in his pockets.