The girl and the Colonel are arguing about if women are scared over little things, while there is a Cobra on Mrs. Wynnes foot
The American said if anyone moves for the next five minutes, they have to forfeit 50 rupees. Before this, the colonel and girl were arguing about if women are scared over little things. When all of this was happening, there was a cobra under the table
The theme is that your gender has no impact on how courageous you are. This is shown when Mrs. Wynnes sees the Cobra crawl across her foot and stayed calm.