“odd thing,” said alpha, “that i should have been at omega’s just as i was sickening for appendicitis. he’s great on appendicitis, is omega.”

“has he had it?”

“not he! he’s never had anything. but he informed me that before he went to mexico last year he took the precaution of having his appendix removed, lest he might have acute appendicitis in some wild part of the country where there might be no doctor just handy for an operation. he’s like that, you know. i believe if he had his way there wouldn’t be an appendix left in the entire family. he’s inoculated against everything. they’re all inoculated against everything. and he keeps an elaborate medicine-chest in his house, together with elaborate typewritten instructions which he forced his doctor to give him—in case anything awful should happen suddenly. omega has only to read those instructions, and he could stitch a horrible wound, tie up a severed artery, or make an injection of morphia or salt water. he has a thermometer in every room and one in each bath. also burglar-alarms at all doors and windows, and fire extinguishers on every floor. but that’s nothing. you should hear about his insurance. of course, he’s insured his life and the lives of the whole family of them. he’s insured against railway accidents and all other accidents, and against illness. the fidelity of all his clerks is insured. he’s insured against burglary, naturally. against fire, too. and against loss of rent through fire. his plate-glass is insured. his bunch of keys is insured. he’s insured against employers’ liability. he’s insured against war. he’s insured against loss of business profits. the interest on his mortgage securities is insured. his wretched little automobile is insured. i do believe he was once insured against the eventuality of twins.”

“he must feel safe,” i said.

“not the least bit in the world,” replied alpha. “life is a perfect burden to him. that wouldn’t matter so much if he didn’t make it a perfect burden to all his family as well. they’ve all got to be prepared against the worst happening. if he fell down dead his wife would know just what to do. she knows all the details of his financial position exactly. she has to; he sees to that. he keeps her up to date in them every day. and she has to show him detailed accounts of the house as though it was a business undertaking, because he’s so afraid of her being left helpless and incapable. she just has to understand that ‘life is real, life is earnest,’ and death more so.

“then the children. they’re all insured, of course. each of the girls has to take charge of the house in turn. and they must all earn their own living—in case papa fell down dead. take that second daughter. she hates music, but she has a certain mechanical facility with the fiddle, and so she must turn it into coin, in order to be on the safe side. her instincts are for fine clothes, idleness, and responsibility. she’d take the risks cheerfully enough if he’d let her. but he won’t. so she’s miserable. i think they all are more or less.”

“but still,” i put in, “to feel the burden of life is not a bad thing for people’s characters.”

“perhaps not,” said alpha. “but to be crushed under a cartload of bricks isn’t likely to do one much good, is it? why, omega’s a wealthy man, and d’you know, he must live on about a third of his income. the argument is, as usual, that he’s liable to fall down dead—and insurance companies are only human—and anyhow, old age must be amply provided for. and then all his securities might fall simultaneously. and lastly, as he says, you never know what may happen. ugh!”

“has anything happened up to now?”

“oh, yes. an appalling disaster. his drawing-room hearthrug caught fire six years ago and was utterly ruined. he got eleven dollars out of the insurance company for that, and was ecstatically delighted about it for three weeks. nothing worse ever will happen to omega. his business is one of the safest in the country. his constitution is that of a crocodile or a parrot. and he’s as cute as they make ‘em.”

“and i suppose you don’t envy him?”

“i don’t,” said alpha.

“well,” i ventured, “let me offer you a piece of advice. never travel in the same train with mr. omega.”

“never travel in the same train with him? why not?”

“because if there were a railway accident, and you were both killed on the spot, the world might draw comparisons between the effect on your family and the effect on his, and your family wouldn’t like it.”

we remained silent for a space, and the silence was dramatic. nervously, i looked out of the window.

at length alpha said:

“i suppose there is such a thing as the happy medium.”

“good-bye, alpha.” i rose abruptly. “sorry, but i’ve got to go at once.”

and i judiciously departed.