"I don't quite understand it," said he. "Mr Benson was quite clear about it. He could not have received his half-yearly dividends unless he had been possessed of these shares; and I don't suppose Dissenting ministers, with all their ignorance of business, are unlike other men in knowing whether or not they receive the money that they believe to be owing to them."

"I should not wonder if they were—if Benson was, at any rate. Why, I never knew his watch to be right in all my life—it was always too fast or too slow; it must have been a daily discomfort to him. It ought to have been. Depend upon it, his money matters are just in the same irregular state; no accounts kept, I'll be bound."

"I don't see that that follows," said Mr Farquhar, half amused. "That watch of his is a very curious one—belonged to his father and grandfather, I don't know how far back."

"And the sentimental feelings which he is guided by prompt him to keep it, to the inconvenience of himself and every one else."

Mr Farquhar gave up the subject of the watch as hopeless.

"But about this letter. I wrote, at Mr Benson's desire, to the Insurance Office, and I am not satisfied with this answer. All the transaction has passed through our hands. I do not think it is likely Mr Benson would write and sell the shares without, at any rate, informing us at the time, even though he forgot all about it afterwards."

"Probably he told Richard, or Mr Watson."

"We can ask Mr Watson at once. I am afraid we must wait till Richard comes home, for I don't know where a letter would catch him."

Mr Bradshaw pulled the bell that rang into the head-clerk's room, saying as he did so,

"You may depend upon it, Farquhar, the blunder lies with Benson himself. He is just the man to muddle away his money in indiscriminate charity, and then to wonder what has become of it."