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"Now," Herbie says, "wait a minute. A story goes with it," he says.

Well, of course this is a different matter entirely. I am such a guy as will always listen to a tip on a horse if a story goes with the tip.

In fact, I will not give you a nickel for a tip without a story, but it must be a first-class story, and most horse players are the same way. In fact, there are very few horse players who will not listen to a tip if a story goes with it, for this is the way human nature is. So I turn and walk back to Hot Horse Herbie, and say to him like this:

"Well," I say, "let me hear the story, Herbie."

"Now," Herbie says, dropping his voice away down low, in case old Cap Duhaine may be around somewhere listening, "it is the third race, and the horse is a horse by the name of Never Despair. It is a boat race," Herbie says. "They are going to shoo in Never Despair. Everything else in the race is a cooler," he says.

"Well," I say, "this is just an idea, Herbie, and not a story."

"Wait a minute," Herbie says. "The story that goes with it is a very strange story indeed. In fact," he says, "it is such a story as I can hardly believe myself, and I will generally believe almost any story, including," he says, "the ones I make up out of my own head. Anyway, the story is as follows:

"Never Despair is owned by an old guy by the name of Seed Mercer," Herbie says. "Maybe you remember seeing him around. He always wears a black slouch hat and gray whiskers," Herbie says, "and he is maybe a hundred years old, and his horses are very terrible horses indeed. In fact," Herbie says, "I do not remember seeing any more terrible horses in all the years I am around the track, and," Herbie says, "I wish to say I see some very terrible horses indeed.

"Now," Herbie says, "old Mercer has a granddaughter who is maybe sixteen years old, come next grass, by the name of Lame Louise, and she is called Lame Louise because she is all crippled up from childhood by infantile what-is-this, and can scarcely navigate, and," Herbie says, "her being crippled up in such a way makes old Mercer feel very sad, for she is all he has in the world, except these terrible horses."

"It is a very long story, Herbie," I say, "and I wish to see Moe Shapoff about a very good thing in the first race."

"Never mind Moe Shapoff," Herbie says. "He will only tell you about a bum by the name of Zachary in the first race, and Zachary has no chance whatever. I make Your John a standout in the first," he says.

"Well," I say, "let us forget the first and get on with your story, although it is commencing to sound all mixed up to me."

"Now," Herbie says, "it not only makes old man Mercer very sad because Lame Louise is all crippled up, but," he says, "it makes many of the jockeys and other guys around the racetrack very sad, because," he says, "they know Lame Louise since she is so high, and she always has a smile for them, and especially for Jockey Scroon. In fact," Herbie says, "Jockey Scroon is even more sad about Lame Louise than old man Mercer, because Jockey Scroon loves Lame Louise."

"Why," I say, very indignant, "Jockey Scroon is nothing but a little burglar. Why," I say, "I see Jockey Scroon do things to horses I bet on that he will have to answer for on the Judgment Day, if there is any justice at such a time. Why," I say, "Jockey Scroon is nothing but a Gerald Chapman in his heart, and so are all other jockeys."

"Yes," Hot Horse Herbie says, "what you say is very, very true, and I am personally in favor of the electric chair for all jockeys, but," he says, "Jockey Scroon loves Lame Louise just the same, and is figuring on making her his ever-loving wife when he gets a few bobs together, which," Herbie says, "makes Louise eight to five in my line to be an old maid. Jockey Scroon rooms with me downtown," Herbie says, "and he speaks freely to me about his love for Louise. Furthermore," Herbie says, "Jockey Scroon is personally not a bad little guy, at that, although of course being a jockey he is sometimes greatly misunderstood by the public.

"Anyway," Hot Horse Herbie says, "I happen to go home early last night before I see you at the gambling joint, and I hear voices coming out of my room, and naturally I pause outside the door to listen, because for all I know it may be the landlord speaking about the room rent, although," Herbie says, "I do not figure my landlord to be much worried at this time because I see him sneak into my room a few days before and take a lift at my trunk to make sure I have belongings in the same, and it happens I nail the trunk to the floor beforehand, so not being able to lift it, the landlord is bound to figure me a guy with property.

"These voices," Herbie says, "are mainly soprano voices, and at first I think Jockey Scroon is in there with some dolls, which is by no means permissible in my hotel, but, after listening awhile, I discover they are the voices of young boys, and I make out that these boys are nothing but jockeys, and they are the six jockeys who are riding in the third race, and they are fixing up this race to be a boat race, and to shoo in Never Despair, which Jockey Scroon is riding.

"And," Hot Horse Herbie says, "the reason they are fixing up this boat race is the strangest part of the story. It seems," he says, "that Jockey Scroon hears old man Mercer talking about a great surgeon from Europe who is a shark on patching up cripples such as Lame Louise, and who just arrives at Palm Beach to spend the winter, and old man Mercer is saying how he wishes he has dough enough to take Lame Louise to this guy so he can operate on her, and maybe make her walk good again.

"But of course," Herbie says, "it is well known to one and all that old man Mercer does not have a quarter, and that he has no way of getting a quarter unless one of his terrible horses accidentally wins a purse. So," Herbie says, "it seems these jockeys get to talking it over among themselves, and they figure it will be a nice thing to let old man Mercer win a purse such as the thousand bucks that goes with the third race today, so he can take Lame Louise to Palm Beach, and now you have a rough idea of what is coming off.

"Furthermore," Herbie says, "these jockeys wind up their meeting by taking a big oath among themselves that they will not tell a living soul what is doing so nobody will bet on Never Despair, because," he says, "these little guys are smart enough to see if there is any betting on such a horse there may be a very large squawk afterward. And," he says, "I judge they keep their oath because Never Despair is twenty to one in the morning line, and I do not hear a whisper about him, and you have the tip all to yourself."

"Well," I say, "so what?" For this story is now commencing to make me a little tired, especially as I hear the bell for the first race, and I must see Moe Shapoff.

"Why," Hot Horse Herbie says, "so you bet every nickel you can rake and scrape together on Never Despair, including the twenty you are to bet for me for giving you this tip and the story that goes with it."

"Herbie," I say, "it is a very interesting story indeed, and also very sad, but," I say, "I am sorry it is about a horse Jockey Scroon is to ride, because I do not think I will ever bet on anything Jockey Scroon rides if they pay off in advance. And," I say, "I am certainly not going to bet twenty for you or anybody else."

"Well," Hot Horse Herbie says, "I will compromise with you for a pound note, because I must have something going for me on this boat race."

So I give Herbie a fiver, and the chances are this is about as strong as he figures from the start, and I forget all about his tip and the story that goes with it, because while I enjoy a story with a tip, I feel that Herbie overdoes this one.