“When I sell you insurance, I am taking a chance on you,” Bell replied. “So I suppose I am always on the lookout for risk.”

“Is Herr Shafer a good bet?” asked Riker.

“Men of steady habits are always a good bet. Herr Shafer, I apologize if I seemed to pry.”

“I have nothing to hide!”

“Speaking of hiding,” Riker said, “the steward appears to be. How the hell does one get a drink around here?”

Bell nodded. A steward came running and took their orders.

Arnold Bennett announced to his Chinese companions, “Gentlemen, you look sleepy.”

“No, sir. We are very happy.”

“Expect little sleep on a train. Luxuries may abound—tailor’s shop, library, manicurist, even fresh and saltwater baths. But unlike in Europe where the best trains start with the stealthiness of a bad habit, I have never slept a full hour in any American sleeper, what with abrupt stops, sudden starts, hootings, and whizzings round sharp corners.”

Laughing Chicagoans protested that that was the price of speed and worth every penny.

Isaac Bell addressed his German companions—Erhard Riker, who seemed so English, even American, and Herr Shafer, who was as Teutonic as Wagnerian opera. “In the company of not one but two of the Kaiser’s subjects, I must ask about the talk of war in Europe.”

“Germany and England are competitors, not enemies,” Riker answered.

“Our nations are evenly balanced,” Shafer added quickly. “England has more battleships. We have by far the greater Army—the most modern and advanced, the strongest in the world.”

“Only in those parts of the world that your Army can march to,” Arnold Bennett called from the next table.

“What is that, sir?”

“Our American hosts’ Admiral Mahan put it most aptly: ‘The nation that rules the seas, rules the world.’ Your Army is worth spit in a bucket if it can’t get to where the fight is.”

Shafer turned purple. Veins bulged on his forehead.

Riker cautioned him with a gesture, and answered, “There is no fight. The talk of war is just talk.”

“Then why do you keep building more warships?” the English writer shot back.

“Why does England?” Riker retorted mildy.

The Chicagoans and the Chinese seminary students swiveled eyeballs between the Germans and the English like spectators at a tennis match. To Isaac Bell’s surprise, one of the silent Chinese answered before the writer could.

“England is an island. The English see no choice.”

“Thank you, Louis,” Arnold Bennett said. “I could not have put it better myself.”

Louis’s dark almond eyes grew wide, and he looked down as if embarrassed to have spoken up.

“By that logic,” said Riker, “Germany has no choice either. German industry and German trade demand a vast fleet of merchant ships to sail our goods across every sea. We must protect our fleet. But, frankly, it is my instinct that sensible businessmen will never go to war.”