‘That will be held to exonerate them.’

‘No, sir, I think not. “Frequently and periodically” does not mean four times in fourteen months.’

‘A jury might take it so.’

‘Consider, sir, that the object was that your liability should be limited. Thousands of pounds were passing through my hands in that time, and therefore these four audits were, as one might say, insufficient for the object of the bond.’

‘So I think,’ cried Maude, with conviction. ‘Frank, we’ll have the best advice upon the subject to-morrow.’

‘And meanwhile, Mr. Crosse,’ said Farintosh, rising from his chair, ‘I am your witness, whether the Company prosecutes me or not. And I hope that this will be some humble atonement for the trouble that I have brought you.’

And so a first rift of light began to shine in the dark place. But it was not broadened by the letter which he found waiting upon his breakfast-table—

Re Farintosh’s Accounts.

Hotspur Insurance Office.

Dear Sir,—On arriving in London I came here at once, and checked Farintosh’s accounts from the books of the head office. I am sorry to say that I find a further discrepancy of seventy pounds. I am able, however, to assure you that we have now touched bottom. The total amount is three hundred and forty pounds, and a cheque for that sum at your early convenience would oblige us, as we are anxious to bring so unpleasant a business to a conclusion.—Yours truly,

James Wingfield.

To which Frank and Maude in collaboration—

Dear Sir,—I note your claim for £340 on account of the affairs of your agent Farintosh. I am advised, however, that there have been certain irregularities in the matter, about which I must make some investigation before paying the claim.—Yours truly,

Frank Crosse.