It is rather singular that though this happened about 20 years later than the other two, the impression left on my mind as to the amount of actual damage it caused is not half so clear and distinct, and my recollections are confined more or less to one or two incidents of a personal nature.  I remember however for one thing that I was in Darjeeling at the time, but I cannot recall any particulars that I may there have heard, or subsequently on my return to Calcutta, about the effect of the storm.  I must therefore presume that nothing of a very startling nature did occur in Calcutta.  There is, however, one outstanding event that I must relate, as it involved the loss of a man well known in business circles and very highly respected, and who was also a very dear and intimate friend of my own—­Mr. Keith Sim, Agent of the Queen Insurance Co. before they amalgamated with the Royal Insurance Co.  He had been suffering from a slight attack of fever and had been recommended to take a trip to the Sandheads.  He accordingly embarked on a large and powerful steam tug, the Retriever, towing an outward bound vessel, the Godiva, but the weather from the early morning had been looking very lowering and threatening, and by the time they reached Saugor Island It had become infinitely worse.  Why they were ever allowed to proceed to sea has always remained a mystery to me.  It must, I think, have been some bungling on the part of the port authorities.  The further they proceeded down the Bay, the worse the weather became, until eventually they ran right bang into the very teeth of a severe cyclone.  The result, as was to be expected, proved most disastrous.  The hawser connecting the ship and steam tug snapped in two, being unequal to the tremendous strain, and they parted company.  The vessel escaped by a miracle after having been battered about and driven in all directions.  She was eventually rescued by the Warren Hastings, after the lapse of three days in the Eastern Channel, in a completely gutted condition, but the steam tug foundered with every soul on board.  In the act of sinking, a most extraordinary and unheard-of thing happened.  A lascar on board was violently shot up from below through one of the air ventilators of the steamer, and was found floating in the sea some 36 hours afterwards by a P. & O. steamer coming up the Bay to Calcutta.  He was the one and only survivor left to tell the sad tale.  Of course it could never be ascertained what actually occurred, but I recollect one of the theories propounded at the time was to the effect that the steamer had been drawn into the vortex of the cyclone, and she must then have been encompassed round about by a towering mass of pyramidical seas, tumbling in the wildest confusion from all points of the compass, which gradually led to the culmination of the final catastrophe by crashing down on to the deck with irresistible and overwhelming force, literally smothering and engulfing her without a shadow of chance of recovery.  Mrs. Keith Sim and her little boy were in Calcutta at the time, and great sympathy was expressed for them in their sad bereavement.  The little boy has long since grown to man’s estate, and is now occupying a position of great trust and responsibility as agent of the Commercial Union Assurance Co., and is thus emulating the activities and achievements of his much lamented father.