ten o'clock he was trudging into the town; his mind had been half-crazed with anxiety for his ricks; he was not insured, he had never insured, just to save the few shillings it cost, such was the nibbling by which he lived. He had struggled hard and kept the secret to himself—of the non-insurance—he foresaw that if known he should immediately suffer. But at the town the insurance agent demurred to issue a policy. The losses had been so heavy, there was no knowing how much farther the loss might extend, for not the slightest trace of the incendiary had yet been discovered, notwithstanding the reward offered, and this was a new policy. Had it been to add to an old one, had Mr. Roberts insured in previous years, it would have been different. He could not do it on his own responsibility, he must communicate with the head office; most likely they would do it, but he must have their authority. By return of post he should know. Mr. Roberts trudged home again, with the misery of two more nights confronting him; two more nights of exposure to the chance of utter ruin. If those ricks were burned, the savings—the nibblings of his life—were gone. This intense, frost-bitten economy, by which alone he had been able to prosper, now threatened to overwhelm him with destruction.
There is nothing that burns so resolutely as a hayrick; nothing that catches fire so easily. Children are playing with matches; one holds the ignited match till it scorches the fingers, and then drops it. The expiring flame touches three blades of dry grass, of hay fallen from the rick, these flare immediately; the flame runs along like a train of gunpowder, rushes up the
