"To begin with, the insurance people proved sceptical, largely through Walter's stupidity. It seems that certain evidences had been left in the house of Miss Manwaring's presence there with what we may call, I presume, Walter's permission, the fatal night. The servants who discovered the burglary noticed these evidences and mentioned them in their telegram. Walter hurried back to New York to hush the servants up. He wasn't successful, and the fact that he had endeavoured to cover something came to the attention of the police, and, inevitably, through them to the insurance company.
"Then Miss Manwaring turned out to be a young woman of uncommon character, less gullible than they had reckoned; also, I may say without undue self-conceit, they had underestimated me. I grew suspicious, and questioned Miss Manwaring; she was too honest to want to lie to me and too sensible to try.
"Meantime the need of money grew daily more urgent. They decided that Walter must pawn the jewels in Boston. They could be redeemed piece by piece when money was more plentiful. But the jewels were here, and Walter in New York, and it would be insane for him to come here and get them and then take them to Boston. In his emergency Adele went Walter one better in the matter of stupidity. She took Mr. Lyttleton into her confidence--and, crowning blunder! took his advice. Mr. Lyttleton conceived a magnificently romantic scheme. Walter was to come to New Bedford, secretly hire a motor-boat, and be off the harbour here at a certain hour of night. Mr. Lyttleton was to leave the jewels in a designated spot at the foot of the cliffs. At an agreed signal between the yacht and Adele's window Walter was to come in, at dead of night, and get the jewels, return to the mainland, discharge his boat, go to Boston, pawn the jewels, and be here in good time the next day.
"Walter, notified of this arrangement by letter to New York, fell in with it heart and soul. More stupidity, you see. Worse yet, he put it into effect. The arrangement was actually carried out last night. And again their luck turned against them. It so happened that both Miss Manwaring and Mr. Trego were sleepless last night and observed certain details of the conspiracy; and to make matters worse, it was the very night chosen by the thief to steal _my_ jewels.