"You are mistaken about Scarborough, I know you are," said Hargrave earnestly.

Whitney listened to Hargrave, finally professed to be reassured; but, before he left, a strong doubt of Scarborough's judgment had been implanted by him in the mind of the old doctor. That was easy enough; for, while Hargrave was too acute a man to give his trust impulsively, he gave without reserve when he did give—and he believed in Charles Whitney. The ability absolutely to trust where trust is necessary is as essential to effective character as is the ability to withhold trust until its wisdom has been justified; and exceptions only confirm a rule.

Scarborough, feeling that he had been neglecting his trusteeship, now devoted himself to the Ranger-Whitney Company.

He had long consultations with Howells, and studied the daily and weekly balance sheets which Howells sent him. In the second month after the annual meeting he cabled Dory to come home. The entire foundation upon which Dory was building seemed to be going; Saint X was, therefore, the place for him, not Europe.

"And there you have all I have been able to find out," concluded
Scarborough, when he had given Dory the last of the facts and figures.
"What do you make of it?"

"There's something wrong—something rotten," replied Dory.

"But where?" inquired Scarborough, who had taken care not to speak or hint his vague doubts of Whitney. "Everything looks all right, except the totals on the balance sheets."

"We must talk this over with some one who knows more about the business than either of us." Then he added, as if the idea had just come to him, "Why not call in Arthur—Arthur Ranger?"

Scarborough looked receptive, but not enthusiastic.

"He has been studying this business in the most practical way ever since his father died," urged Dory. "It can't do any harm to consult with him. We don't want to call in outside experts if we can help it."