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drew that picture of the O-So-Eesi Piano-Player in the advertisement pages of the Piccadilly Magazine; Bertram Fox, author of Ashes of Remorse, and other unproduced motion-picture scenarios; and Robert Dunhill, who, being employed at a salary of eighty pounds per annum by the New Asiatic Bank, represented the sober, hardheaded commercial element. As usual, Teddy Weeks had collared the conversation, and was telling us once again how good he was and how hardly treated by a malignant fate.

There is no need to describe Teddy Weeks. Under another and a more euphonious name he has long since made his personal appearance dreadfully familiar to all who read the illustrated weekly papers. He was then, as now, a sickeningly handsome young man, possessing precisely the same melting eyes, mobile mouth, and corrugated hair so esteemed by the theatre-going public today. And yet, at this period of his career he was wasting himself on minor touring companies of the kind which open at Barrow-in-Furness and jump to Bootle for the second half of the week. He attributed this, as Ukridge was so apt to attribute his own difficulties, to lack of capital.

“I have everything,” he said, querulously, emphasising his remarks with a coffee-spoon. “Looks, talent, personality, a beautiful speaking-voice⁠—everything. All I need is a chance. And I can’t get that because I have no clothes fit to wear. These managers are all the same, they never look below the surface, they never bother to find out if a man has genius. All they go by are his clothes. If I could afford to buy a couple of suits from a Cork Street tailor, if I could have my boots made to order by Moykoff instead of getting them ready-made and secondhand at Moses Brothers’, if I could once contrive to own a decent hat, a really good pair of spats, and a gold cigarette-case, all at the same time, I could walk into any manager’s office in London and sign up for a West-end production tomorrow.”

It was at this point that Freddie Lunt came in. Freddie, like Robert Dunhill, was a financial magnate in the making and an assiduous frequenter of Barolini’s; and it suddenly occurred to us that a considerable time had passed since we had last seen him in the place. We enquired the reason for this aloofness.

“I’ve been in bed,” said Freddie, “for over a fortnight.”

The statement incurred Ukridge’s stern disapproval. That great man made a practice of never rising before noon, and on one occasion, when a carelessly-thrown match had burned a hole in his only pair of trousers, had gone so far as to remain between the sheets for forty-eight hours; but sloth on so majestic a scale as this shocked him.

“Lazy young devil,” he commented severely. “Letting the golden hours of youth slip by like that when you ought to have been bustling about and making a name for yourself.”

Freddie protested himself wronged by the imputation.

“I had an accident,” he explained. “Fell off my bicycle and sprained an ankle.”

“Tough luck,” was our verdict.

“Oh, I don’t know,” said Freddie. “It wasn’t bad fun getting a rest. And of course there was the fiver.”

“What fiver?”

“I got a fiver from the Weekly Cyclist for getting my ankle sprained.”

“You⁠—what?” cried Ukridge, profoundly stirred⁠—as ever⁠—by a tale of easy money. “Do you mean to sit there and tell me that some dashed paper paid you five quid simply because you sprained your ankle? Pull yourself together, old horse. Things like that don’t happen.”

“It’s quite true.”

“Can you show me the fiver?”

“No; because if I did you would try to borrow it.”

Ukridge ignored this slur in dignified silence.

“Would they pay a fiver to anyone who sprained his ankle?” he asked, sticking to the main point.

“Yes. If he was a subscriber.”

“I knew there was a catch in it,” said Ukridge, moodily.

“Lots of weekly papers are starting this wheeze,” proceeded Freddie. “You pay a year’s subscription and that entitles you to accident insurance.”

We were interested. This was in the days before every daily paper in London was competing madly against its rivals in the matter of insurance and offering princely bribes to the citizens to make a fortune by breaking their necks. Nowadays papers are paying as high as two thousand pounds for a genuine corpse and five pounds a week for a mere dislocated spine; but at that time the idea was new and it had an attractive appeal.

“How many of these rags are doing this?” asked Ukridge. You could tell from the gleam in his eyes that that great brain was whirring like a dynamo.

“As many as ten?”

“Yes, I should think so. Quite ten.”

“Then a fellow who subscribed to them all and then sprained his ankle would get fifty quid?” said Ukridge, reasoning acutely.

“More if the injury was more serious,” said Freddie, the expert. “They have a regular tariff. So much for a broken arm, so much for a broken leg, and so forth.”

Ukridge’s collar leaped off its stud and his pince-nez wobbled drunkenly as he turned to us.

“How much money can you blokes raise?” he demanded.

“What do you want it for?” asked Robert Dunhill, with a banker’s caution.

“My dear old horse, can’t you see? Why, my gosh, I’ve got the idea of the century. Upon my Sam, this is the giltest-edged scheme that was ever hatched. We’ll get together enough money and take out a year’s subscription for every one of these dashed papers.”

“What’s the good of that?” said Dunhill, coldly unenthusiastic.

They train bank clerks to stifle emotion, so that they will be able to refuse overdrafts when they become managers. “The odds are we should none of us have an accident of any kind, and then the money would be chucked away.”

“Good heavens, ass,” snorted Ukridge, “you don’t suppose I’m suggesting that we should leave it to chance, do you? Listen! Here’s the scheme. We take out subscriptions for all these papers, then we draw lots, and the fellow who gets the fatal card or whatever it is goes

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