And with this burst he was out of the room and making ardently for Albion Villa.

The banker and his clerk turned round on their seats and eyed one another a long time in silence and amazement. Was this thing a dream? their faces seemed to ask. Then Mr. Hardie rested his senatorial head on his hand and pondered deeply. Skinner too reflected on this strange freak of Fortune: and the result was that he burst in on his principal's reverie with a joyful shout: “The bank is saved! Hardie's is good for another hundred years.”

The banker started, for Skinner's voice sounded like a pistol-shot in his ear, so high strung was he with thought.

“Hush! hush!” he said, and pondered again in silence. At last he turned to Skinner. “You think our course is plain? I tell you it is so dark and complicated it would puzzle Solomon to know what is best to be done.”

“Save the bank, sir, whatever you do.”

“How can I save the bank with a few thousand pounds, which I must refund when called on? You look keenly into what is under your eye, Skinner, but you cannot see a yard beyond your nose. Let me think.”

After a while he took a sheet of paper, and jotted down “the materials,” as he called them, and read them out to his accomplice:—

“1. A bank too far gone to be redeemed. If I throw this money into it, I shall ruin Captain Dodd, and do myself no good, but only my creditors.

“2. Miss Julia Dodd, virtual proprietor of this L. 14,000, or of the greater part, if I choose. The child that marries first usually jockeys the other.

“3. Alfred Hardie, my son, and my creditor, deep in love with No. 2, and at present somewhat alienated from me by my thwarting a silly love affair; which bids fair to improve into a sound negotiation.