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I am standing in the lobby of the hotel on the off chance that some fresh money may arrive in the city on the late trains that I may be able to connect up with before the races, when I notice Unser Fritz and observe the agitation of the clerk, and presently I see Unser Fritz waving a fistful of bank notes under the clerk's beak, and the clerk starts setting out the jewelry with surprising speed.

I go over to see what is coming off, and I can see that the jewelry Unser Fritz is looking at consists of a necklace of emeralds and diamonds, with a centerpiece the size of the home plate, and some eardrops, and bracelets, and clips of same, and as I approach the scene I hear Unser Fritz ask how much for the lot as if he is dickering for a basket of fish.

''One hundred and one thousand dollars, sir," the clerk says. "You see, sir, it is a set, and one of the finest things of the kind in the country. We just got it in from our New York store to show a party here, and," he says, "she is absolutely crazy about it, but she states she cannot give us a final decision until five o'clock this afternoon. Confidentially, sir," the clerk says, "I think the real trouble is financial, and doubt that we will hear from her again. In fact," he says, "I am so strongly of this opinion that I am prepared to sell the goods without waiting on her. It is really a bargain at the price," he says.

"Dear me," Unser Fritz says to me, "this is most unfortunate as the sum mentioned is just one thousand dollars more than I possess in all this world. I have twenty thousand on my person, and eighty thousand over in the box in the jug, and not another dime. But," he says, "I will be back before five o'clock and take the lot. In fact," he says, "I will run in right after the third race and pick it up."

Well, at this the clerk starts putting the jewelry back in the case, and anybody can see that he figures he is on a lob and that he is sorry he wastes so much time, but Unser Fritz says to me like this:

"Emma is returning to me," he says.

"Emma who?" I say.

"Why," Unser Fritz says, "my Emma. The one I tell you about not long ago. She must hear I am in the money again, and she is returning just as I always say she will."

"How do you know?" I say. "Do you hear from her, or what?"

"No," Unser Fritz says, "I do not hear from her direct, but Mrs. Crob knows some female relative of Emma's that lives at Ballston Spa a few miles from here, and this relative is in Saratoga this morning to do some shopping, and she tells Mrs. Crob and Mrs. Crob tells me. Emma will be here tonight. I will have these emeralds waiting for her."

Well, what I always say is that every guy knows his own business best, and if Unser Fritz wishes to toss his dough off on jewelry, it is none of my put-in, so all I remark is that I have no doubt Emma will be very much surprised indeed.

"No," Unser Fritz says. "She will be expecting them. She always expects emeralds when she returns to me. I love her," he says. "You have no idea how I love her. But let us hasten to the course," he says. "Cara Mia is a right good thing in the third, and I will make just one bet today to win the thousand I need to buy these emeralds."

"But, Fritz," I say, "you will have nothing left for operating expenses after you invest in the emeralds."

"I am not worrying about operating expenses now," Unser Fritz says. "The way my figures are standing up, I can run a spool of thread into a pair of pants in no time. But I can scarcely wait to see the expression on Emma's face when she sees her emeralds. I will have to make a fast trip into town after the third to get my dough out of the box in the jug and pick them up," he says. "Who knows but what this other party that is interested in the emeralds may make her mind up before five o'clock and pop in there and nail them?"

Well, after we get to the racetrack, all Unser Fritz does is stand around waiting for the third race. He has his figures on the first two races, and ordinarily he will be betting himself a gob on them, but he says he does not wish to take the slightest chance of cutting down his capital at this time, and winding up short of enough dough to buy the emeralds.

It turns out that both of the horses Unser Fritz's figures make on top in the first and second races bow down, and Unser Fritz will have his thousand if he only bets a couple of hundred on either of them, but Unser Fritz says he is not sorry he does not bet. He says the finishes in both races are very close, and prove that there is an element of risk in these races. And Unser Fritz says he cannot afford to tamper with the element of risk at this time.

He states that there is no element of risk whatever in the third race, and what he states is very true, as everybody realizes that this mare Cara Mia is a stick-out. In fact, she is such a stick-out that it scarcely figures to be a contest. There are three other horses in the race, but it is the opinion of one and all that if the owners of these horses have any sense they will leave them in the barn and save them a lot of unnecessary lather.

The opening price offered by the bookmakers on Cara Mia is 2 to 5, which means that if you wish to wager on Cara Mia to win you will have to put up five dollars to a bookmaker's two dollars, and everybody agrees that this is a reasonable thing to do in this case unless you wish to rob the poor bookmaker.

In fact, this is considered so reasonable that everybody starts running at the bookmakers all at once, and the bookmakers can see if this keeps up they may get knocked off their stools in the betting ring and maybe seriously injured, so they make Cara Mia 1 to 6, and out, as quickly as possible to halt the rush and give them a chance to breathe.

This 1 to 6 means that if you wish to wager on Cara Mia to win, you must wager six of your own dollars to one of the bookmaker's dollars, and means that the bookies are not offering any prices whatsoever on Cara Mia running second or third. You can get almost any price you can think of right quick against any of the other horses winning the race, and place and show prices, too, but asking the bookmakers to lay against Cara Mia running second or third will be something like asking them to bet that Mr. Roosevelt is not President of the United States.

Well, I am expecting Unser Fritz to step in and partake of the 2 to 5 on Cara Mia for all the dough he has on his person the moment it is offered, because he is very high indeed on this mare, and in fact I never see anybody any higher on any horse, and it is a price Unser Fritz will not back off from when he is high on anything.

Moreover, I am pleased to think he will make such a wager, because it will give him plenty over and above the price of the emeralds, and as long as he is bound to purchase the emeralds, I wish to see him have a little surplus, because when anybody has a surplus there is always a chance for me. It is when everybody runs out of surpluses that I am handicapped no little. But instead of stepping in and partaking, Unser Fritz keeps hesitating until the opening price gets away from him, and finally he says to me like this:

"Of course," he says, "my figures show Cara Mia cannot possibly lose this race, but," he says, "to guard against any possibility whatever of her losing, I will make an absolute cinch of it. I will bet her third."

"Why, Fritz," I say, "I do not think there is anybody in this world outside of an insane asylum who will give you a price on the peek. Furthermore," I say, "I am greatly surprised at this sign of weakening on your part on your figures."

"Well," Unser Fritz says, "I cannot afford to take a chance on not having the emeralds for Emma when she arrives. Let us go through the betting ring and see what we can see," he says.

So we walk through the betting ring, and by this time it seems that many of the books are so loaded with wagers on Cara Mia to win that they will not accept any more under the circumstances, and I figure that Unser Fritz blows the biggest opportunity of his life in not grabbing the opening. The bookmakers who are loaded are now looking even sadder than somewhat, and this makes them a pitiful spectacle indeed.