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“The claim, therefore, which you sent in to the Royal Unicorn Life Insurance Company was fraudulent. It was the result of a deep-laid conspiracy. You have been made the innocent accomplice of a great crime. “My wife, who now knows the whole truth, is most anxious for restitution to be made. She is about to restore that portion of the money which lies in her name. Most of the rest will be sent back by myself, on certain conditions. “In communicating the fact of my being still alive to the head of my family you will please also to inform him that I authorise the discontinuance of the premium. This will save the family 300 pounds a year. This will be a solatium to him for the fact that his brother still lives to disgrace the name. If I should die before the next premium is due I order my heirs not to claim the money.— I remain, Gentlemen, your obedient servant, “HARRY NORLAND.” “The premium which should have been paid under ordinary circumstances,” said the Secretary, “was due six weeks ago. The policy has therefore expired.” “It is a characteristic letter,” said the lawyer. “Lord Harry was born to be a trouble to his family. There has never been a time, so far as I remember, when he was not a trouble and a disgrace. Hitherto, however, he has avoided actual crime — at least, actual detection. Now, I suppose, the game is up. Yet, gentlemen, the letter is not that of an utter villain.”