"What a hungry bunch you insurance men are!" Hilmer returned. "You're
the fiftieth man that's asked me that."

Starratt flushed. The business end of his suggestion had been the last
thing in his mind. He managed to voice a commonplace protest, and
Hilmer, taking his place at the wheel, said:

"Come in and talk it over sometime... Perhaps _you_ can persuade me."

Starratt smiled pallidly and the car shot forward. He watched it out
of sight. Instead of going back into the house he walked aimlessly
down the block. He had no objective beyond a desire to kill the time
and give Helen a chance to retire before he returned. He wasn't in a
mood for talking.

It was not an unusual thing for him to take a stroll before turning
in, and habit led him along a beaten path. He always found it
fascinating to dip down the Hyde Street hill toward Lombard Street,
where he could glimpse both the bay and the opposite shore. Then, he
liked to pass the old-fashioned gardens spilling the mingled scent of
heliotrope and crimson sage into the lap of night. There was something
fascinating and melancholy about this venerable quarter that had been
spared the ravages of fire ... overlooked, as it were, by the
relentless flames, either in pity or contempt. There had been
marvelous tales concerning this section's escape from the holocaust of
1906, when San Francisco had been shaken by earthquake and shriveled
by flames. One house had been saved by a crimson flood of wine
siphoned from its fragrant cellar, another by pluck and a garden hose,
a third by quickly hewn branches of eucalyptus and cypress piled