“Yes; I should think you are pretty safe here.”

There was another pause, broken by Gartram saying suddenly, in a loud, sharp voice,—

“Well?”

The visitor was a cool man about town, but the query was so sudden and unexpected that he started.

“Well, Mr Gartram?”

“Why did you come this morning?”

“You asked me to look in—a friendly call.”

“Won’t do. If you had meant a friendly call you would have come in the afternoon. You don’t want to borrow money?”

“Good heavens, sir! No.”

“Then out with it, lad. You are not a boy now. I am an old man of the world; speak out frankly, and let’s get it done.”