“Well, I know something about it. You see I've never lived very far from it, and I do a good deal of my aunt's business.”

“Maybe you know Bread Street?”

“It is out of Cheapside.”

“Well then, how do you steer for it from here? You make me out a course and I'll keep to it.”

“Why, Admiral, I have nothing to do. I'll take you there with pleasure.”

“Will you, though? Well, I'd take it very kindly if you would. I have business there. Smith and Hanbury, financial agents, Bread Street.”

The pair made their way to the river-side, and so down the Thames to St. Paul's landing—a mode of travel which was much more to the Admiral's taste than 'bus or cab. On the way, he told his companion his mission and the causes which had led to it. Charles Westmacott knew little enough of City life and the ways of business, but at least he had more experience in both than the Admiral, and he made up his mind not to leave him until the matter was settled.

“These are the people,” said the Admiral, twisting round his paper, and pointing to the advertisement which had seemed to him the most promising. “It sounds honest and above-board, does it not? The personal interview looks as if there were no trickery, and then no one could object to five per cent.”

“No, it seems fair enough.”

“It is not pleasant to have to go hat in hand borrowing money, but there are times, as you may find before you are my age, Westmacott, when a man must stow away his pride. But here's their number, and their plate is on the corner of the door.”