“Insurance?” York asked.

Marsh set to his soup, sucking it up noisily. In between spoons, he shook his head. “I’m not a gambling man, Mister York. I never took no stock in insurance. It’s gambling, all it is, ’cept you’re bettin’ against yourself. What money I made, I put into my boats.”

York nodded. “I believe you still own one steamboat.”

“That I do,” Marsh said. He finished his soup and signaled for the next course. “The Eli Reynolds, a little 150-ton stern-wheeler. I been using her on the Illinois, ’cause she don’t draw much, and she wintered in Peoria, missed the worse of the ice. That’s my asset, sir, that’s what I got left. Trouble is, Mister York, the Eli Reynolds ain’t worth much. She only cost me $25,000 new, and that was back in ’50.”

“Seven years,” York said. “Not a very long time.”

Marsh shook his head. “Seven years is a powerful long time for a steamboat,” he said. “Most of ’em don’t last but four or five. River just eats ’em up. The Eli Reynolds was better built than most, but still, she ain’t got that long left.” Marsh started in on his oysters, scooping them up on the half shell and swallowing them whole, washing each one down with a healthy gulp of wine. “So I’m puzzled, Mister York,” he continued after a half-dozen oysters had disappeared. “You want to buy a half-share in my line, which ain’t got but one small, old boat. Your letter named a price. Too high a price. Maybe when I had six boats, then Fevre River Packets was worth that much. But not now.” He gulped down another oyster. “You won’t earn back your investment in ten years, not with the Reynolds. She can’t take enough freight, nor passengers neither.” Marsh wiped his lips on his napkin, and regarded the stranger across the table. The food had restored him, and now he felt like his own self again, in command of the situation. York’s eyes were intense, to be sure, but there was nothing there to fear.