Crown and Anchor

"Hullo, Dad!" I cried out, stopping abruptly in front of the red granite coloured Reform Club, down the marble steps of which a queer-looking old gentleman was slowly descending. "Who is that funny old fellow there? He's just like that 'old clo'' man we saw at the corner of the street this morning, only that he hasn't got three hats on, one on top of another, the same as the other chap had!"