Seth shook his head.
"Well, if this don't beat me!" he exclaimed.

"You're the coolest critter that ever I--I--" "I am cool," admitted the young man, with a slight shiver.

"This stretch of ocean here isn't exactly a Turkish bath.

I've been swimming since--well, an hour or two ago, and I am just a little chilled." He shivered again.
"Swimmin'! An hour or two?
Where on earth did you come from ?" "Oh, I fell overboard from a steamer off here somewhere.

I--" Another and emphatic shiver caused him to pause.