The Mirror of the Sea by Joseph Conrad

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But if the word "missing" brings all hope to an end and settles the loss of the underwriters, the word "overdue" confirms the fears already born in many homes ashore, and opens the door of speculation in the market of risks.

Maritime risks, be it understood. There is a class of optimists ready to reinsure an "overdue" ship at a heavy premium. But nothing can insure the hearts on shore against the bitterness of waiting for the worst.

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