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CHAPTER IV
PROGRESS OF THE PLOT

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In the dull, sombre consulting-room of Sir Humphrey Sinclair in Queen Anne Street, Cavendish Square – a room with heavy mahogany furniture, well-worn carpet, a big writing-table set in the window, and an adjustable couch against the wall – sat the pseudo Mrs. Augusta Morrison, who desired to insure her life.

At the table sat the great physician, a clean-shaven, white-haired man, in large, round, gold-rimmed spectacles. He was dressed in a grey cashmere suit – for the weather was unbearably hot that morning – and, truth to tell, he was longing for his annual vacation at his pretty house by the sea at Frinton.

In the medical world Humphrey Sinclair had made a great name for himself, and had had among his patients various European royalties, besides large numbers of the British aristocracy and well-known people of both sexes. Quiet mannered, soft spoken, and exquisitely polite, he was always a favourite with his lady patients, while Lady Sinclair herself moved in a very good set.

Having arranged a number of papers which the Universal had sent to him, he took one upon which a large number of questions were printed with blank spaces for the proposer's replies. Then, turning to her, he said, with a smile:

"I fear, Mrs. Morrison, that I shall be compelled to ask you a number of questions. Please understand that they are not merely out of curiosity, but the company claim a right to know the family and medical history of any person whose life they insure.

"I perfectly understand, Sir Humphrey," replied the handsome woman. "Ask me any questions you wish, and I will try to reply to them to the best of my ability."

"Very well," he said. "Let's begin." And he commenced to put to her questions regarding the date of her birth, the cause of the deaths of her father and her mother, whether she had ever suffered from this disease or that, dozens of which were enumerated. And so on.

For nearly half an hour the great doctor plied her with questions which he read aloud from the paper, and then wrote down her replies in the spaces reserved for them.

Never once did she hesitate – she knew those questions off by heart, indeed, and had her replies ready, replies culled from a budget of information which during the past three months had been cleverly collected. Truth to tell, she was replying quite accurately to the questions, but only so far as Mrs. Morrison of Carsphairn was concerned. The medical history she gave was correct in every detail concerning Mrs. Morrison.

But, after all, was not the proposal upon the life of Mrs. Morrison, and did not the famous physician believe her to be the widow of Carsphairn?

Sir Humphrey asked her to step upon the weighing machine in the corner of the room, and afterwards he measured her height and wrote it down with a grunt of satisfaction.

Then, after further examination, and putting many questions, he reseated himself, and turned to the page upon which his own private opinion was to be recorded.

"I hope you don't find much wrong with me?" asked the lady, with a little hesitation.

"No, my dear madam – nothing that I can detect," was the physician's reply as he gazed at her through his big glasses. "Of course, my colleague, Doctor Hepburn, may discover something. I shall have to ask you to call upon him."

"When?"

"Any time you care to arrange. To-day – if you like. He may be at home. Shall I see?"

"I do so wish you would, Sir Humphrey," Ena said. "I want to get back to Scotland, as I have to go to Ardlui next week."

The great doctor took the telephone at his elbow, and was soon talking to Doctor Hepburn, with whom he arranged for the lady to call in an hour.

Then Sir Humphrey scribbled the address in Harley Street on a slip of paper, and with a few polite words of reassurance, rang his bell, and the man-servant conducted her out.

"An exceptionally pretty woman," grunted old Sir Humphrey to himself when she had gone. "Highly intelligent, and a first-class life."

And he sat down to record his own private views as to the physical condition of the person proposed for insurance.

Ena idled before the shop windows in Oxford Street for three-quarters of an hour, and then took a taxi to Harley Street, where she found Doctor Stanley Hepburn, a short, stout, brown-bearded man of rather abrupt manner.

In his smart, up-to-date consulting-room he put the same questions to her, wearying as they were, and parrot-like she answered them.

"Truly, I'm having a busy morning, doctor," she remarked, with a sigh, laughing at the same time.

"Apparently," he said, smiling. "I must apologise for bothering you with all these questions. Sir Humphrey has, no doubt, gone through them all."

"He has."

"Well, never mind. Forgive me, and let's get along," he said briskly.

And he proceeded with question after question. At last, after an examination exactly like that conducted by Sir Humphrey, Doctor Hepburn reseated himself at his table, and said:

"Well, Mrs. Morrison, I don't think I need keep you any longer."

"Are you quite satisfied with me?" she asked boldly.

He was silent for a few seconds.

"As far as I myself am concerned I see no reason whatever why the company should not accept the risk," was his reply. "Of course, I don't know the nature of Sir Humphrey's report; but I expect it coincides with my own. I can detect nothing to cause apprehension, and, in normal circumstances, you should live to quite old age."

"Thanks! That is a very agreeable piece of information," she said.

Then, his waiting-room being crowded – for he had given her a special appointment – he rose and, bowing, dismissed her, saying:

"I shall send in my report to the company to-night, therefore the matter should go through without delay."

Afterwards, as she walked along Harley Street, a great weight having been lifted from her mind, she hailed a taxi and drove back to her pretty flat in Upper Brook Street, where a dainty lunch awaited her.

To answer frankly and correctly those questions had been an ordeal. Those queries were so cleverly arranged that if, after death, the replies to any of them are found to be false the company would be able to resist the claim upon it. To give a true and faithful account of your parents' ailments and your own illnesses is difficult enough, but to give an equally true account of those of another person is extremely difficult and presents many pitfalls. And none knew that better than Ena Pollen.

After lunch, she rested for an hour, as was her habit in summer, and then she took a taxi to Pont Street, where she had tea with Lilla Braybourne.

To her she related her adventures among the medicos, adding:

"All is serene! There's nothing the matter with Mrs. Morrison of Carsphairn! She's in excellent health and may live to be ninety. Hers is a first-class life!"

"Bernie predicted it," said the wife of the humble insurance agent of Hammersmith. "You were passed fit in the Fitzgerald affair – you recollect."

"Yes," snapped the handsome woman. "What a pity the sum wasn't five thousand instead of five hundred."

"I agree. But we didn't then realise how easy was the game. Now we know – a few preliminary inquiries, a plausible tongue – which, thanks to Heaven, you've got, Ena – a few smart dresses, and a knowledge of all the devious ways of insurance and assignments – and the thing is easy."

"Well, as far as we've gone in this matter all goes well – thanks to Bernie's previous inquiries regarding the good lady of Carsphairn."

"She's a bit of a skinflint, I believe. Can't keep servants. She has a factor who is a very close Scot, and things at Carsphairn are usually in a perturbed condition," Lilla said. "Bernie has gone back to Bridge Place. What an awful life the poor dear leads! Fancy having to live with that deaf old woman Felmore!"

"Yes. But isn't it part of the game? By living in Hammersmith, and being such a hard-working, respectable man, he acquires a lot of very useful knowledge."

"Quite so; but it must be very miserable there for him."

"He doesn't mind it, he says," was the reply. "It brings money."

"It certainly does that," said Lilla. "When shall you go north? Will you wait till the policy is issued?"

"I think not. The sooner I meet Mrs. Morrison the better. Don't you agree?"

"Certainly. What does Bernie say?"

"That's his view," answered Ena. "So I shall go to Scotland at the end of the week. I shall stay at the Central, in Glasgow, for a night or two, and then on to Loch Lomond."

"Bernie has heard from one of his secret sources of information that the widow is leaving Carsphairn three days earlier than she intended. She goes to visit a niece who lives in Crieff, and then on to Ardlui."

"I've been to Ardlui before – on a day trip from Glasgow up the Loch," Ena said. "A quiet, remote little place, with an excellent hotel right at the extreme end of the Loch, beyond Inversnaid."

"Then you'll go north without waiting for the policy?"

"Yes. Letters will come to me addressed care of myself, and Bernie will send them on. As soon as I have notice that the company will accept me, I'll pay the premium. I've already opened a little account in the name of Augusta Morrison, so that I can send them a cheque. In the meanwhile, we need lose no time."

"And yet I don't think we ought to rush it unduly, do you?" asked Lilla.

"Oh! we shan't do that, my dear Lilla. There's a lot to be done in the matter of inspiring confidence. Perhaps dear Augusta will not take to me. What then?"

"You always know how to make yourself pleasant, Ena. She'll take to you, never fear!"

"According to the reports we've had about her, she's rather discriminating in her friendships," said the handsome woman, smiling grimly.

"Well, I rather wish I were coming with you for a fortnight on Loch Lomond," said Lilla.

"No, my dear, you have no place in the picture at present. Much as I would like your companionship, you are far better here at home."

"Yes, I suppose you are right!" answered her friend, sighing. "But I long for Scotland in these warm summer days."

"Get Bernie to take you to the seaside for a bit. There's nothing urgent doing just now."

"Bernie is far too busy in Hammersmith, my dear," Lilla laughed. "He wouldn't miss his weekly round for worlds. Besides, he's got some important church work on – helping the vicar in a series of mission meetings."

"Bernie is a good Churchman, I've heard," said Ena.

"Of course. That, too, is part of the big bluff. The man who carries round the bag every Sunday is always regarded as pious and upright. And Bernie never loses a chance to increase his halo of respectability."

Ena remained at Pont Street for about half an hour longer, and then, returning to her own flat, she set about sorting out the dresses she would require for Scotland, and assisted her elderly maid to pack them.

Afterwards she returned into her elegant little drawing-room and seated herself at the little writing-table, where she consulted a diary. Then she wrote telegrams to the hotels at Glasgow and at Ardlui, engaging rooms for dates which, after reflection, she decided upon.

Ena Pollen was a woman of determination and method. Her exterior was that of a butterfly of fashion, careless of everything save her dress and her hair, yet beneath the surface she was calm, clever, and unscrupulous, a woman who had never loved, and who, indeed, held the opposite sex in supreme contempt. The adventure in which she was at that moment engaged was the most daring she had ever undertaken. The unholy trio had dabbled in small affairs, each of which had brought them profit, but the present undertaking would, she knew, require all her tact and cunning.

The real Mrs. Augusta Morrison, the widow of Carsphairn, was one of Boyne's discoveries, and by judicious inquiry, combined with other investigations which Ena herself had made, they knew practically everything concerning her, her friends, and her movements. The preliminaries had taken fully three months, for prior to going to Llandudno, there to assume the widow's identity, Ena had been in secret to New Galloway, and while staying at the Lochinvar Arms, at Dairy, she had been able to gather many facts concerning the rich widow of Carsphairn, a copy of whose birth and marriage-certificate she had obtained from Somerset House.

After writing the telegrams, she took a sheet of notepaper and wrote to Mr. Emery in Manchester, telling him that she had passed both doctors, and asking him to hurry forward the policy.

"My movements during the next fortnight or so are a little uncertain," she wrote, "but please always address me as above, care of my friend, Mrs. Pollen. Please give my best regards to your dear wife, and accept the same yourself. – Yours very sincerely,AUGUSTA MORRISON."

Three nights later, Ena left Euston in the sleeping-car for Glasgow, arriving early next morning, and for a couple of days idled away the time in the great hotel, the Central, eagerly awaiting a telegram.

At last it came.

The porter handed it to her as she returned from a walk. She tore it open, and when she read its contents, she went instantly pale.

The message was disconcerting, for instead of giving information regarding the movements of the woman she had been impersonating, it read:

"Remain in Glasgow. Am leaving to-night. Will be with you in morning. Urgent. – BERNARD."

What could have happened? A hitch had apparently occurred in the arrangements, which had been so thoroughly discussed and every detail considered.

It was then six o'clock in the evening. Boyne could not be there until eight o'clock on the following morning. She glanced bewildered around the busy hall of the hotel, where men and women with piles of luggage were constantly arriving and departing.

"Why is he not more explicit?" she asked herself in apprehension.

What could have happened? she wondered. For yet another fourteen hours she must remain in suspense.

Suddenly, however, she recollected that she could telephone to Lilla, and she put through a call without delay.

Half an hour later she spoke to her friend over the wire, inquiring the reason of Boyne's journey north.

"My dear, I'm sorry," replied Lilla in her high-pitched voice, "but I really cannot tell you over the 'phone. It is some very important business he wants to see you about."

"But am I not to go to Ardlui?" asked Ena.

"I don't know. Bernie wants to see you without delay – that's all."

"But has anything happened?" she demanded eagerly.

"Yes – something – but I can't tell you now. Bernie will explain. He'll be with you in Glasgow early to-morrow morning."

"Is it anything very serious?"

"I think it may be – very!" was Lilla's reply; and at that moment the operator cut off communication with London, the six minutes allowed having expired.

The Red Widow: or, The Death-Dealers of London

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