Evidently this lady's imagination was as vivid as it was suggestive.
"I say, Miss Fregelius," he said, "you don't put things very pleasantly." "No, I am afraid not, but then drowning isn't pleasant.

I have been near it very lately, and I thought a great deal about those conger-eels.
And sudden death isn't pleasant, and perhaps--unless you are very, very good, as I daresay you are--what comes after it may not be quite pleasant.

All of which has to be thought of before one goes to sea in an open boat in winter, on the remotest chance of saving a stranger's life--hasn't it ?" Somehow Mr.Layard felt distinctly smaller.
"I daresay one wouldn't mind it at a pinch," he muttered; "Monk isn't the only plucky fellow in the world." "I am sure you would not, Mr.Layard," replied Stella in a gentler voice, "still these things must be considered upon such occasions and a good many others." "A brave man doesn't think, he acts," persisted Mr.Layard.
"No," replied Stella, "a foolish man doesn't think, a brave man thinks and sees, and still acts--at least, that is how it strikes me, although perhaps I have no right to an opinion.

But Mr.Monk is going on, so I must say good-morning." "Are many of the ladies about here so inquisitive, and the young gentlemen so ?"--"decided" she was going to say, but changed the word to "kind"-- asked Stella of Morris as they walked homeward.
"Ladies!" snapped Morris.

"Miss Layard isn't a lady, and never will be; she has neither birth nor breeding, only good looks of a sort and money.
I should like," he added, viciously--"I should like to shut her into her own coal mine." Stella laughed, which was a rare thing with her--usually she only smiled--as she answered: "I had no idea you were so vindictive, Mr.Monk.And what would you like to do with Mr.Layard ?" "Oh! I--never thought much about him.