CUT-OFFS AXD STEPHEN. 179 river, trying to find her way out. More than one grave watchman has sworn to me that on drizzly, dismal nights, he has glanced fearfully down that forgotten river as he passed the head of the island, and seen the faint glow of the spectre steamer's lights drifting through the distant gloom, and heard the muffled cough of her '&ca.pe- pipes and the plaintive cry of her leadsmen. In the absence of further statistics, I beg to close this chapter with one more reminiscence of * Stephen.* Most of the captains and pilots held Stephen's note for borrowed sums, ranging from two hundred and fifty dollars upward. Stephen never paid one of these notes, but he was very prompt and very zealous about renewing them every twelve months. Of course there came a time, at last, when Stephen could no longer borrow of his ancient creditor's; so he was obliged to lie in wait for new men who did not know him. Such a victim was good- hearted, simple-natured young Yates (I use a fictitious name, but the real name began, as this one does, with a Y). Young Yates gra- duated as a pilot, got a berth, and when the month was ended and he stepped up to the clerk's office and received his two hundred and fifty dollars in crisp new bills, Stephen was there! TTis silvery tongue began to wag, and in a very little while Yates's two hundred and fifty dollars had changed hands. The fact was soon known at pilot headquarters, and the amusement and satisfaction of the old creditors were large and generous. But innocent Yates never suspected that Stephen's promise to pay promptly at the end of the week was a worthless one. Yates called for his money at the stipulated time; Stephen sweetened him up and put him off a week. He called then, according to agreement, and came away sugar-coated again, but suffering under another postponement. So the thing went on. Yates haunted Stephen week after week, to no purpose, and at last gave it up. And then straightway Stephen began to haunt Yates ! Wherever Yates appeared, there was the inevitable Stephen. And not only there, but beaming with affection and gushing with apologies for not being able to pay. By and by, whenever poor Yates saw him coming, he would turn and fly, and drag his company with him, if he had company; but it was of no use; his debtor would run him down and corner him. Panting and