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gentleman who founded it – rises. He is a very little man of seventy years of age – fifty-three of which have been spent in India. He is far from feeble, and is in full possession of all his faculties. His voice is not loud, but it is very distinct, and pierces the ear.

      They do not sit long after dinner at the club. It is only nine, and the members are already diminishing. Some are off to the billiard-room, to smoke, drink brandy-and-water, and look on at the play. The whist parties are now at work, and seven men are engaged at brag. A few remain; and, drawing their chairs to the fireplace, form a ring and chat cosily.

      Halloa! what is this? The club-house is heaving and pitching like a ship at anchor in a gale of wind. Some of us feel qualmish. It is a shock of an earthquake; and a very violent shock. It is now midnight. A thunderstorm is about to sweep over Mussoorie. Only look at that lurid forked lightning striking yonder hill, and listen to that thunder! While the storm lasts, the thunder will never for a second cease roaring; for, long before the sound of one peal has died away, it will be succeeded by another more awful. And now, look at the Dhoon! Those millions of acres are illuminated by incessant sheet lightning. How plainly we discern the trees and the streams in the Dhoon, and the outline of the pass which divides the Dhoon from the plains. What a glorious panorama! We can see the black clouds descending rapidly towards the Dhoon, and it is not until they near that level land that they discharge the heavy showers with which they are laden. What a luxury would this storm be to the inhabitants of the plains; but it does not extend beyond the Dhoon. We shall hear the day after to-morrow that not a single drop of rain has fallen at Umballah, Meerut, or Saharunpore.

      The party from the billiard-room has come up to have supper, now that the storm is over. They are rather noisy; but the card-players take no heed of them. They are too intent upon their play to be disturbed. Two or three of the brag party call for oyster-toast to be taken to the table, and they devour it savagely while the cards are dealt round, placing their lighted cheroots meanwhile on the edge of the table.

      And now there is singing – comic and sentimental. "Isle of Beauty" is followed by the "Steam Leg," the "Steam Leg" by the "Queen of the May," the "Queen of the May" by the facetious version of "George Barnwell," and so on. Jack Apsley – who has ascertained that dear Mary is quite safe, and not at all alarmed – is still here, and is now singing "Rule, Britannia," with an energy and enthusiasm which are at once both pleasing and ridiculous to behold. He has been a soldier for upwards of sixteen years; but the sailor still predominates in his nature; while his similes have invariably reference to matters connected with ships and the sea. He told me just now, that when he first joined his regiment, he felt as much out of his element as a live dolphin in a sentry-box, and he has just described his present colonel as a man who is as touchy as a boatswain's kitten. Apsley's Christian name is Francis, but he has always been called Jack, and always will be.

      It is now broad daylight, and high time for a man on sick-leave to be in bed. How seedy and disreputable we all look, in our evening dresses and patent-leather boots. And observe this carnation in my button-hole – the gift of Mrs. Apsley; she gave it to me on the mall. The glare of the lights, and the atmosphere of smoke in which I have been sitting part of the night, have robbed it of its freshness, its bloom, and perfume. I am sorry to say it is an emblem of most of us.

      Go home, Apsley! Go home, reeking of tobacco-smoke and brandy-and-water – with your eyes like boiled gooseberries, your hair in frightful disorder – go home! You will probably meet upon the mall your three beautiful children, with their rosy faces all bloom, and their breath, when they press their glowing lips to those feverish cheeks of yours, will smell as incense, and make you ashamed of yourself. Go home, Jack. I will tiff with you to-day at half-past two.

      Two young gentlemen were victimized last night at the brag party. The one, a lieutenant of the N. I. Buffs, lost six thousand rupees; the other, a lieutenant of the Foot Artillery, four thousand. The day after to-morrow, the first of the month, will be settling day. How are they to meet these debts of honour? They have nothing but their pay, and must borrow from the banks. That is easily managed. The money will be advanced to them on their own personal security, and that of two other officers in the service. They must also insure their lives. The premium and the interest together will make them forfeit fourteen per cent. per annum on the sum advanced. The loan will be paid off in three years, by monthly instalments. The paymaster will receive an order from the bank secretary to deduct for the bank so much per mensem from their pay. For the next three years they will have to live very mildly indeed.

      There were also two victims (both youngsters) to billiards. One lost three thousand rupees in bets, another two thousand five hundred by bad play. They too, will have to fly for assistance to the banks. Captains Locke and Bunyan won, between them, last night, one thousand four hundred pounds. There was but little execution done at whist. Not more than one hundred and fifty pounds changed hands. Those four men who play regularly together, and who never exceed their usual bets, have very little difference between them at the end of each month – not thirty pounds either way. This will not hurt them; for they have all good appointments, and have private property besides.

      I find, on going to tiffin at Jack Apsley's, that Mrs. Jack has heard all about the winnings and losings at the club. Some man went home and told his wife, and she has told everybody whom she has seen. In a short time the news will travel to head-quarters at Simlah, and out will come a general order on gambling, which general order will be read aloud at the Himalaya Club, with comments by the whole company – comments which will be received with shouts of laughter. Some youngsters will put the general order into verse, and send it to a newspaper. This done, the general order will be converted into pipe-lights. This is no doubt very sad; but I have no time to moralize. My duty is simply to paint the picture.

      Mrs. Apsley is not angry with her husband for staying up till daylight. She thinks a little dissipation does him good; and it is but a very little that Jack indulges in, for he is a good husband and a good father. Jack has a severe headache, but he won't confess it. He says he never touched the champagne, and only drank two glasses of brandy and water. But who ever did touch the champagne, and who ever did drink any more than two glasses of brandy and water? Jack came home with his pockets filled with almonds, raisins, prunes, nutcrackers, and two liqueur glasses; but how they got there he has not the slightest idea – but I have. Wywell, from a sideboard, was filling his pockets all the while he was singing "Rule, Britannia."

      "Mrs. Apsley, I have some news for you."

      "What is it, Captain Wall?"

      "The club gives a ball on the 7th of June."

      "You don't say so."

      "And what is more, a fancy ball."

      The tiffin is brought in. Mulligatawny soup and rice, cold lamb and mint sauce, sherry and beer. The Apsleys are very hospitable people; but Mary, who rules the household, never exceeds her means for the sake of making a display.

      The soup and a glass of wine set Jack up; and he becomes quite chirpy. He proposes that he and I and Wywell shall go to the fancy ball as middies, and that Mary shall appear as Black-eyed Susan. Then, darting off at a tangent, he asks me if I remember when we were lying off Mount Edgecombe, just before sailing for South America? But he requires a little more stimulant, for the tears are glistening in his soft blue eyes when he alludes to the death of poor Noel, a middy whom we buried in the ocean a few days before we got to Rio. In a very maudlin way he narrates to his wife the many excellent qualities of poor Noel. She listens with great attention; but, observing that his spontaneous emotion is the result of the two over-night glasses of brandy – plus what he cannot remember drinking over-night – she suggests that Jack shall make some sherry cobbler. What a jewel of a woman art thou, Mrs. Apsley! Several of the men who returned home, as Jack did, none the better for their potations, have been driven by their wives' reproaches to the club, where they are now drinking brandy and soda-water to excess; while here is your spouse as comfortable as a cricket on a hearth; and now that he confesses he was slightly screwed, you, with quiet tact, contradict his assertion.

      For the next week the forthcoming fancy ball to be given by the club will be the chief topic of conversation amongst the visitors at Mussoorie. Mrs. Ludlam is in immense demand. She knows the character that each lady will appear in; but it is useless to attempt to extract from her the slightest particle of information on that

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