No amount of skill and no amount of juggling could solve the arithmetical problem in any way but one.

Taking the estimated amount of the call to be made on each shareholder in the unfortunate Blankshire Bank as correct, nearly the whole of the capital on the interest of which the Adrians lived would be swept away.

It was not a large fortune that Mr. Adrian had retired on, but it was one which he had always considered would be ample for himself and his wife with their inexpensive tastes, and for his daughter when they were gone.

Marston did not attempt to hide the result for a moment. He put it plainly before his future father-in-law. Mr. Adrian must make up his mind to live for the remainder of his days upon the wreck of his little fortune, and that, calculated generously, would yield him about £150 to £200 a year.

‘We must give up this house at once,’ said Mr. Adrian, with a sigh. ‘I feel as if every penny I spend now I am defrauding the creditors of.’

‘Yes, you must give the house up. You cannot keep it on,’ said Marston. He didn’t feign the slightest sorrow. Why should he? He was only too delighted to think that at last he was going to get some pleasure out of the money he had risked so much to get. Roughly estimated, he had cleared by his share in the transactions of Smith and Co. some £25,000. Some of the ‘hauls,’ as they are technically called, had been enormous. He could employ his £25,000 legitimately now; and he was certain that with this capital and his talents he could speculate as successfully in honesty as he had formerly done in crime.

‘Yes, you must give up your house,’ he repeated; ‘and the sooner the better.’

‘It is a terrible blow,’ exclaimed the old man, the tears coming into his eyes, ‘to break up the home where we’ve been so happy all these years. Poor mother—how ever shall I break it to her!’

‘I have a plan,’ said Marston, eagerly, taking the old gentleman’s hand, and watching his face anxiously. ‘Let this marriage take place as soon as possible. Ruth does not wish to be separated from you. Come and live with us. That can be your excuse to Mrs. Adrian for selling off.’

For a moment the old man doubted if he heard aright. Then, smiling through the big drops that trickled down his cheek, he pressed the young man’s hand exclaiming: