"Or, another way, you could insure your life in her favour. Then, at your death, she would receive the money unexpectedly," he suggested.
"That's rather a brilliant suggestion, Mr. Emery!" she replied eagerly. "But I know nothing about insurance matters. How can I do it? What have I to do and where shall I go to insure?"
"Well, Mrs. Morrison, I happen to be agent for a first-class life assurance company, the Universal, whose head offices are in Cornhill, London. If you so desire, I would be very happy to place a proposal before them," he said enthusiastically, for it meant a very substantial commission.
"I shall be very glad indeed, Mr. Emery, if you can carry the business through for me."
"With the utmost pleasure," was the young man's reply. "Er – what amount do you propose?"
"Oh! I hardly know. Some really substantial sum, I think. My husband, I have learned, got some twenty thousand pounds out of Mr. Braybourne. At least I would like to give her back half that sum."
"Ten thousand! How extremely generous of you, Mrs. Morrison. Of course, it's a large sum, and will mean a special premium, but no doubt the company will, providing you pass the medical test, issue the policy."
She thanked him for his promise to take up the matter for her. Then he went down to the writing-room to pen a letter to the Universal Assurance Company, while the handsome red-haired widow passed along the lounge and, with her merry chatter, rejoined his wife.
CHAPTER III
THE "GAME" – AND ITS PLAYERS
On the following morning Mr. Emery, the young solicitor, entered Mrs. Morrison's sitting-room at Llandudno with a telegram in his hand.
"I've just had this from the manager of the Universal. They are prepared to do the business and are writing me full particulars. I shall get them by to-morrow morning's post. I've wired to my clerk, Wilson, to post me a proposal form and some other papers."
Emery, his one thought being the big commission upon the business, entered Mrs. Morrison's room twenty-four hours later with a number of papers in his hand.
He sat down with the rich widow, and put before her the proposal form – a paper which had printed upon it a long list of questions, mostly inquisitorial. The bed-rock question of that document was "Who are you, and are you subject to any of the ills that human flesh is heir to?"
Question after question she read, and her answers he wrote down in the space reserved for them. Once or twice she hesitated before replying, but he put down her hesitation to a natural reserve.
The filling up of the form took some time, after which she appended her signature in a bold hand, and this completed the proposal.
"I fear it will be necessary for you to go to London to pass the doctor," he said. "When would that be convenient?"
"Any time after next Wednesday," she replied. "As a matter of fact, I have some shopping to do in town before I return to Scotland, so I can kill two birds with one stone."
"Excellent! They will, of course, make it as easy for you as possible. You will hear from Mr. Gray at the head office. Where shall you stay in town?
"With a friend of mine – a Mrs. Pollen." And she gave him an address in Upper Brook Street which he wrote down.
Before eleven o'clock Mrs. Morrison had dispatched a telegram addressed to "Braybourne, 9b, Pont Street, London," which read:
"All preliminaries settled. Shall be in London end of week.– AUGUSTA MORRISON."
Meanwhile, the solicitor, greatly elated at securing such a remunerative piece of work, sent the completed proposal to the head office of the company in London, and on the following day, accompanied by his wife, returned to his home in Manchester, after what had turned out to be a very profitable as well is beneficial holiday.
Before leaving, Mrs. Morrison arranged that he should carry the whole matter through, her parting injunction being:
"Remember – tell the Company to write to me at Upper Brook Street, and not to Scotland. And always write to me yourself to London."
Now that same evening, after Emery's departure, there arrived at the Beach Hotel, wearing rimless pince-nez, a dark, strongly-built man, well dressed, and with a heavy crocodile suit-case which spoke mutely of wealth. He signed the visitor's form as Pomeroy Graydon, and gave his address as "Carleon Road, Roath, Cardiff, Shipbroker."
He was late, and ate his dinner alone. Afterwards he went out for a stroll on the esplanade in the direction of the Little Orme, when, after walking nearly half a mile, he suddenly encountered the red-haired widow, who was attired plainly in navy blue with a small hat, having evidently changed her dress after dinner.
"Well, Ena!" he exclaimed, lifting his soft felt hat politely. "I'm here, you see! I thought it best to come up and see you. I'm at your hotel as Mr. Graydon of Cardiff."
"I'm awfully glad you've come, Bernie," she said. "I rather expected you."
"As soon as Lilla got your wire I started, and was fortunate to get to Euston just in time for the Irish mail – changed at Chester, and here I am!"
The pair strolled to a convenient seat close to where the waves lazily lapped upon the wall of the esplanade – for the tide was up – and the night a perfect one with a full white moon.
"Everything going well?" asked the smartly dressed man, whose pose in Hammersmith was so entirely different. He spoke in an eager tone.
"Yes, as far as I can see it's all plain sailing. I'm doing my part, and leave you and Lilla to do the rest. I've met here a very nice young fellow – as I intended – a useful solicitor named Emery, of Manchester. He is carrying the matter through for me. He's agent of the Universal."
"A first-class office."
"Well, I'm insuring with them in Lilla's favour."
"Have you carried out the plan we discussed?"
"To the very letter! Trust me, my dear Bernie."
"I always do, Ena," he declared, gazing across the moonlit sea. They were alone on the seat, and there was none to overhear:
"Ten thousand is a decent sum. Let's hope it will be all over soon. I sometimes have bad quarters of an hour – when I think!" he remarked.
"The sums assured have been higher and higher," she said. "We started with five hundred – you recollect the woman Bayliss? – and now we are always in thousands. Only you, Bernard, know how the game should be played. I do my part, but it is your brain which evolves all this business for which the companies are so eager, and which is so wonderful."
"True, our plan works well," Boyne admitted, still gazing over the sea. "We've all of us made thousands out of it – haven't we?"
"Yes. I can see no loophole by which the truth might leak out – save one," she said very seriously.
"And what's that?"'
"Your visits to your wife," was her reply. "Suppose somebody watched you, and saw you leave your frowsy little house in Hammersmith, go to Lilla in Pont Street, and blossom forth into a gentleman of means; it would certainly arouse a nasty suspicion. Therefore you should always be most careful."
"I am. Never fear," he said. "Recollect, nobody in Hammersmith knows that Lilla Braybourne is my wife."
"They don't know. But they might suspect things, which may lead eventually to an awkward inquiry, and then – ?"
"Oh! my dear Ena, don't contemplate unpleasant things!" he urged, with a shrug of the shoulders. "I know you are a clever woman – more clever by far than Lilla herself – therefore I always rely upon your discretion and foresight. Now, tell me – what has happened up to date?"
In reply she told him briefly of her meeting with the young solicitor Emery – which she had prearranged, by the way – and how she had entertained the newly-married pair.
"They, of course, believe you to be Mrs. Augusta Morrison, of Carsphairn, widow of