"Oh, Chrissie! . . ." she cried out. "He hasn't . . . That beast hasn't . . ."

Tietjens answered:

"He has . . ." He handed the soiled cheque to the banker. Port Scatho looked at it with slow bewilderment.

"'Account overdrawn,'" he read. "Brownie's . . . my nephew's handwriting. . . . To the club . . . It's . . ."

"You aren't going to take it lying down?" Sylvia said. "Oh, thank goodness, you aren't going to take it lying down."

"No! I'm not going to take it lying down," Tietjens said. "Why should I?" A look of hard suspicion came over the banker's face.

"You appear," he said, "to have been overdrawing your account. People should not overdraw their accounts. For what sum are you overdrawn?"

Tietjens handed his pass-book to Port Scatho.

"I don't understand on what principle you work," Sylvia said to Tietjens. "There are things you take lying down; this you don't."

Tietjens said: