At this very crisis came the panic of '66. Overend and Gurney broke; and Wardlaw's experience led him to fear that, sooner or later, there would be a run on every bank in London. Now he had borrowed 80,000 pounds at one bank, and 35,000 pounds at another. And, without his ships, could not possibly pay a quarter of the money. If the banks in question were run upon, and obliged to call in all their resources, his credit must go; and this, in his precarious position, was ruin.
He had concealed his whole condition from his father, by false book-keeping. Indeed, he had only two confidants in the world; poor old Michael Penfold, and Helen Rolleston's portrait; and even to these two he made half confidences. He dared not tell either of them all he had done, and all he was going to do.
His redeeming feature was as bright as ever. He still loved Helen Rolleston with a chaste, constant and ardent affection that did him honor. He loved money too well. But he loved Helen better. In all his troubles and worries it was his one consolation to unlock her portrait and gaze on it, and purify his soul for a few minutes. Sometimes he would apologize to it for an act of doubtful morality. "How can I risk the loss of you?" was his favorite excuse. No. He must have credit. He must have money. She must not suffer by his past imprudences. They must be repaired at any cost—for her sake.
It was ten o'clock in the morning. Mr. Penfold was sorting the letters for his employer, when a buxom young woman rushed into the outer office crying, "Oh, Mr. Penfold!" and sank into a chair breathless.
"Dear heart! what is the matter now?" said the old gentleman.
"I have had a dream, sir. I dreamed I saw Joe Wylie out on the seas, in a boat; and the wind it was a blowing and the sea a roaring to that degree as Joe looked at me, and says he, 'Pray for me, Nancy Rouse.' So I says, 'Oh, dear Joe, what is the matter? and what ever is become of the Proserpine?'
"'Gone to Hell!' says he. Which he knows I object to foul language. 'Gone—there—' says he, 'and I am sailing in her wake. Oh, pray for me, Nancy Rouse!' With that, I tries to pray in my dream, and screams instead, and wakes myself. Oh, Mr. Penfold, do tell me, have you got any news of the Proserpine this morning?"
"What is that to you?" inquired Arthur Wardlaw, who had entered just in time to hear this last query.
"What is it to me!" cried Nancy, firing up; "it is more to me, perhaps, than it is to you, for that matter."
Penfold explained, timidly, "Sir, Mrs. Rouse is my landlady."