The Greatest Works of Melville Davisson Post: 40+ Titles in One Edition. Melville Davisson Post
the important matter in your disclosure. What was this insurance scheme?"
"Oh. yes," said the coal operator, "I was coming to that. It was our plan to secure heavy insurance on the life of Hirst, making his wife the beneficiary, and later have him disappear under circumstances indicating suicide."
"That plan," said Mason, drawing down the heavy muscles of his mouth, "is ancient, and infantile, and trite; worthy of blunderers—children and blunderers."
Gilmore looked at the lawyer for a moment critically, then he continued. "I presume the scheme is not new, but I rather think Hirst's plan for carrying it into effect was somewhat novel and unusually practical. At the time Hirst proposed this scheme he was unmarried, and, as a cold business proposition, he said that I should select some woman—any woman agreeable to me, whom I should like as a wife, then he would marry her, insure his life for her benefit, make his exit, and afterwards I should marry the woman and send half of the insurance money to him in Spain or Italy, where he had determined to take up his permanent residence.
"He urged that it would be best to keep the woman totally ignorant of our plan, so that if anything should go wrong, she could not be implicated in a conspiracy, and, therefore, could not be prevented from obtaining the insurance as, she being the sole beneficiary and no fraud on her part being possible, any suspected or even assured fraud on my part would not void the policy payable to her, provided he, Hirst, could not be found within seven years.
"Hence, two considerations were necessary in selecting the woman. First, she must be so situated as to reduce suspicion of her to the minimum. And, second, she must be one whom I could marry as Hirst's widow and thereby obtain the money. This part of the plan was allotted to me to complete. You will now see with what a remarkable man I was associated, and how little regard he entertained for the customs of human society.
"In leaguing myself with this man's fortune I blundered fatally. My nature was entirely different. I could not shut out the natural emotions. I could not crowd out the human in me. I was no calculating machine like this man Hirst, and in carrying out my portion of the venture I made a frightful mistake.
"I am not now going into the details of that mistake. It will be sufficient for the purposes of this interview to say that the woman whom Hirst finally married was a good woman, the daughter of a venerable churchman residing in one of the suburban towns of Philadelphia,—such a good woman that no sooner had the ceremony taken place than I began to regret having associated her with such a cold-blooded villain as Brown Hirst, and as the days ran by, that regret grew into a very passion of remorse."
The man paused for a moment, raised his elbows up on the arms of his chair and locked his fingers.
"I guess it was a sort of Providential judgment," he continued, "if such things are supposed to be in this practical time. I avoided the woman as far as possible, and strove to conceal my terrible regret, but it was quite useless. Hirst knew almost before I realized the feeling myself, and harshly bade me remember that this was business, and no matter of maudlin sentiment. He had no feeling whatever for the woman, and if I could wait for a little time the plan would very shortly give her to me. He warned me against what he was pleased to call 'nonsense,' and I must admit that the powerful personality of this man forced me into a sort of stolid subjection to his will. But the feeling for the woman remained, and I hated Hirst."
Randolph Mason put out his hand as though to interrupt the speaker, but, appearing to reconsider, suddenly withdrew it and nodded to the coal operator to continue. The young man took no notice of the interruption.
"Hirst," he went on, "like the master spirit that he was, proceeded to put the details of his plan into operation. From time to time he applied to the best companies in the country for insurance, and as he was considered a good risk, a man of fine physique, and in charge of a substantial business, he presently secured about two hundred thousand dollars on his life. These policies he carried for two years in order to avoid the suicide clause, and in order to render them as nearly incontestable as possible.
"Finally, every arrangement having been completed, the time drew near when Brown Hirst determined to make the final movement in his scheme. But during these two years my hate of this man had not been idle. I don't know just what possessed me. I had no good reason to hate him. It was all, as he said, a business matter,—details in a pure business matter. But I did hate him, and, unconsciously, one does not know just how. I determined to take a part in his plan. I determined to make the play real. This determination was no sudden resolve; it seemed rather to evolve slowly until it finally became a fixed purpose. The motive for the supposed suicide, Hirst had by no means overlooked. It was to be impending financial ruin, and during the past year immediately preceding his death Brown Hirst drew great sums from the business, and finally mortgaged and remortgaged the entire coal plant and applied the money to the payment of his heavy insurance, so that at the time of his disappearance the business would be in a state of financial collapse, and the motive for his rash deed would be adequate and thoroughly apparent.
"During all this time, Hirst operated in McDowell near the county seat of Welch, his wife remaining for the most part with her father, while I maintained a city office in Philadelphia. On the day set apart for the disappearance of Brown Hirst, there was a stockholders' meeting of our company at its principal office in West Virginia. It was a sham, but it was rumored that the purpose of this meeting was to discuss some measure that would relieve our business from impending ruin. This was the purpose made public. The real purpose was to account for my presence in McDowell. It was a part of Hirst's plan that I should remain behind after his disappearance in order to see that everything was properly arranged, and then take a night train for the East.
"The preliminary details of that night's work were splendidly managed. We met together at the office of the company. Here Hirst wrote a letter explaining that he was about to take his own life, and placed it in the pocket of his coat.
"Then he took a bundle of men's clothing, in which he intended to make his escape from the country. This bundle consisted of a grimy coat such as the ordinary miner wears, in the pockets of which he had placed a package of bank notes, a pocket-book containing a New York draft and a memorandum of his insurance policies.
"The trousers, shoes, and other articles of this disguise Hirst wore when he left the office, it being his intention to leave his usual coat and vest on the bridge over Tug River, as evidence of the suicide, and then, assuming the remainder of his disguise, slip out to Cincinnati on the night freight.
"From the office we went directly to the bridge over Tug River, for the reason, as Brown Hirst always maintained, that in order to leave perfect circumstantial evidence it was absolutely necessary to actually do as far as possible the things which one desired the public to believe one had done.
"It was perhaps two o'clock, and very dark and wet. It had been raining for almost a week. This was largely in our favor, since the river at flood is deep and rapid, and a body lost in it when the water was running high would not probably be recovered at all, as we had noticed was the case with lumbermen not infrequently drowned; hence we had selected the time of heaviest rains in this region in order that the loss of the body should not seem a matter of unusual moment.
"It might be as well to explain that when Tug River is swollen by rains its channel beneath the bridge is very deep and rapid nearest its east shore, while near the west shore its bed is higher and covered with immense bowlders; thus anything thrown into this river on its east side would probably be carried away and lost, while if dropped from the bridge on the west side it would probably lodge among the bowlders, and remain after the high water had subsided.
"As I have said, it was very dark, and the roar of the waters was something frightful, but we were quite familiar with the bridge, and, becoming accustomed to the darkness, presently came to see sufficiently for our purposes.
"Hirst went directly to the span of the bridge nearest the east shore, and, removing his coat and vest, placed them across one of the girders. Then he began to undo the bundle in order to put on the miner's clothing which he had brought with him.
"This was my opportunity, and I suggested that we first walk to the other side in order to make sure that the bridge was entirely clear. He immediately put down