At that moment an old sailor stepped up to the captain. "We have a big hole amidships; we are going down," he said, quietly and impressively.

***

Soon after the nature of the accident had become known on the steamer, a little lady appeared on deck. She had come from one of the first-class cabins with certain and determined step. She was dressed from top to toe, and her bonnet strings were tied in a natty bowknot. She was a little old lady, with crimped hair, round, owlish-looking eyes, and a florid complexion.

During the short time the voyage had lasted she had managed to become acquainted with every one on board. Everybody knew that her name was Miss Hoggs, and she had told them all—the crew as well as passengers—time and again, that she was never afraid. She didn't see why she need have any fear, she would have to die at one time or another, she had said, and whether it happened soon or late was immaterial to her. Nor was she afraid now; she had gone up on deck simply to see if anything interesting or exciting was going on there.

The first thing she saw was two sailors darting past with wild, terrified faces. Stewards, half dressed, came running out from their quarters to go down and waken the passengers and get them on deck. An old sailor came up with an armful of life belts, which he tossed on the deck. A little cabin boy in his shirt was crouching in a corner, sobbing and shrieking that he was going to die. The captain was on his bridge, and Miss Hoggs heard him give orders to stop the engines and to man the lifeboats.

Engineers and stokers came rushing up the grimy ladder leading from the engine room, shouting that the water had already reached the fires. Miss Hoggs had hardly been on deck a moment before it was thronged with steerage passengers, who had come up in a body, shrieking that they would have to hurry and make for the boats, otherwise none but the first and second class passengers would be saved.

As the excitement and confusion increased, Miss Hoggs began to realize that they were in actual danger; so she quietly slipped away to the upper deck, where several life-boats hung in their davits, just outside the railing. Up here there was not a soul, and Miss Hoggs, without being seen, climbed over the railing and scrambled into one of the boats suspended above the watery abyss. As soon as she was well inside, she congratulated herself upon her wisdom and foresight. That was the advantage of having a clear and cool head, she thought. She knew that when once the boat was lowered there would be a wild scramble for it; the crush in the gangway and on the companion ladder would be something awful. Again and again she congratulated herself on having thought of getting into the boat beforehand.

Miss Hoggs's boat was hung far aft, but by leaning over the edge of it she could see the companion ladder. Then she saw that a boat had been manned, and that people were getting into it. Suddenly a terrible cry went up. Some one in the excitement had fallen overboard. This must have frightened the others, for cries arose from all sides of the ship, and the passengers heedlessly crowded the gangway, pushing and fighting their way toward the ladder. In the struggle many of them went overboard. A few persons, who saw that it would be impossible to get to the ladder, jumped into the sea, thinking they would swim to the boat. Just then the lifeboat, already loaded to its full capacity, rowed away. The people that were in it drew their knives and threatened to cut of the fingers of any one who attempted to get inside.

Miss Hoggs saw one boat after another launched. She also saw one boat after another capsize under the weight of those who hurled themselves down into them.

The lifeboats near to hers were .lowered, but for some unaccountable reason no one had touched the one in which she was seated. "Thank God they are leaving my boat alone till the worst is over," she thought.