"It's a good thing to be a Polish Jew," growled Mr. Simnel. "This fellow's ancestors lent money to long-haired Grafs and swaggering Electors, and got their interest when they could; and thought themselves deuced lucky not to get their teeth pulled out when they asked for a little on account, or not to be put on the fire when they presented their bill. Their descendant lives in pleasanter days; we've given up pulling out their teeth, worse luck! And that neat little instrument, 'Victoria, by the grace,' is as open to Jews as Christians. I always thought there was something wrong in that."

"This Schröder is a tremendously lucky fellow, by Jove!" said Beresford. "He's got a very pretty wife and an enormous fortune; and though he's not young, to judge from all appearances, has a constitution of iron, and will live for years to enjoy his good fortune."

"Ah, my dear sir," said Dr. Prater in a low and solemn voice, "I'm afraid you're not correct in one particular; not correct in one particular!" and the little man shook his head and looked specially oracular.

Simnel glanced up at him at once from under his heavy eyebrows; but Beresford only said, "Why, doctor, you're not going to try and make me believe any envious disparagement of Schröder's riches?"

"Not for the world, my dear sir; not for the world! Such rumours have been spread! but, as you say, only among the envious and jealous, who would whisper-away Coutts's credit, and decline to intrust their miserable balance to Barings'! No; my doubts as to Schröder relate to another matter."

"His health?" said Simnel, who had kept his eyes on the solemn little man, and was regarding him keenly.

"Pre-cisely!" said the doctor. And he stepped aside for an instant, helped himself to a pinch of snuff from a box on a neighbouring table, and returned to his companions, gazing up at them with a solemn steady stare that made him look more like an owl than ever.

"His health!" exclaimed Beresford, "why there's surely nothing the matter with that! He has the chest of a horse and the digestion of an ostrich. I don't know a man of his age to whom, to look at, you'd give a longer life."

"Right, my dear sir," replied the doctor, "right enough from a non-professional view. But Mr. Schröder, like the gentleman of whom I have heard, but whose name I can't call to mind, has that within which passeth show. I know the exact state of his condition."

"This is very interesting," said Mr. Simnel, drawing closer to the doctor on the ottoman; "very interesting, indeed; yours is a wonderful profession, doctor, for gaining insight into men and things. Would it be too much to ask you to tell us a little more about this particular case?"