"I suppose so. Yet most fellows of that kind are adepts at the fine old business quality of besting their neighbours, one in which I am totally lacking, possibly owing to want of practice. They can go smash and come up smiling, and in a little while be worth more than ever. They know how to do it, you see, and I don't. Smash for me means smash, and that of a signally grievous kind."

Rainsford looked at him curiously.

"Oh, bother it, Stanninghame, you're no worse off than the rest of us. We've got to lie low and hang on for a bit, and watch our chances."

"Possibly you are right, Rainsford. No doubt you are. Still every donkey knows where his own saddle galls him."

"Rather, old chap," replied the other, whose hat covered the total of his liability. "The only thing to do is to hold on tight, have a drink, and trust in Providence. We'll go and have the drink."

They adjourned to a convenient bar. It was about noon, and the place was fairly full. Here they found Holmes in the middle of a crowd, also Rankin and Wheeler. The consumption of "John Walker" was proceeding at a brisk rate.

"Hallo, Stanninghame, how are you?" cried Rankin; "haven't seen you for a long time. I think another 'smile' wouldn't hurt us, eh? What do you say? I'm doing bitters. Nothing like Angostura—with a little drop of gin in it; gives tone to the system. What's yours?"

Laurence named his, and the genial Rankin having shouted for it and other "rounds," proceeded to unfold some wondrous scheme by which he was infallibly bound to retrieve all their fortunes at least cent. per cent. It was only a matter of a little capital. Anyone who had the foresight to intrust him with a few hundreds might consider his fortune made. But, somehow, nobody could be found to hand over those few hundreds. In point of fact, nobody had got them.

"Here, Rainsford," sung out somebody, "we are tossing for another 'all round.' Won't your friend cut in?"