As Mr. Clutterbuck entered, Mrs. Clutterbuck continued her work of embroidery at the yellow centre, putting her needle through the fabric with a vigour and decision which spoke volumes for the restrained energy of her character; nor was she the first to speak.

Mr. Clutterbuck, standing at the fire parting his coat tails and looking up toward that ornament in the ceiling whence depended the gas pipe, said boldly: "Well, he got nothing out of me!"

Mrs. Clutterbuck, without lifting her eyes, replied as rapidly as her needlework: "I don't want to hear about your business affairs, Mr. Clutterbuck. I leave gentlemen to what concerns gentlemen. I hope I know my work, and that I don't interfere where I might only make trouble." It is remarkable that after this preface she should have added: "Though why you let every beggar who darkens this door make a fool of you is more than I can understand."

Mr. Clutterbuck was at some pains and at great length to explain that the imaginary transaction which disturbed his wife's equanimity had not taken place, but his volubility had no other effect than to call from her, under a further misapprehension, a rebuke with regard to his excess in what she erroneously called "wine." Her sympathetic remarks upon Mr. Boyle's state of health and her trust that her husband had not too much taxed his failing energies, did little to calm that business man's now legitimate irritation, and it must be confessed that when his wife rose in a commanding manner and left the room to put all in order before retiring, a dark shadow of inner insecurity overcast the merchant's mind.

It was perhaps on this account that he left next day for the City by the 8.32 instead of taking, as was his custom, the 9.17; and that, still moody after dealing with his correspondence, he sought the office of Mr. Boyle in Mark Lane.

As he went through the cold and clear morning with the activity and hurry of the City about him, he could review the short episode of the night before in a clearer light and with more justice. His irritation at his wife's remarks had largely disappeared; he had recognised that such irritation is always the worst of counsellors in a business matter; he remembered Mr. Boyle's long career, and though that career had been checkered, and though of late they had seen less of each other, he could not but contrast the smallness of the favour demanded with the still substantial household and the public name of his friend. He further recollected, as he went rapidly eastward, more than one such little transaction which had proved profitable to him in the past, not only in cash, but, what was more important to him, in business relations.

It was in such a mood that he reached Mr. Boyle's office: his first emotion was one of surprise at the fineness of the place. He had not entered it for many years, but during those years he had hardly represented Mr. Boyle to himself as a man rising in the world. He was surprised, and agreeably surprised; and when one of the many clerks informed him that Mr. Boyle was down at the docks seeing to the warehouse, he took accurate directions of the place where he might find him, and went off in a better frame of mind; nay, in some readiness to make an advance upon that original quotation of five hundred which, he was now free to admit, had been accepted by Mr. Boyle with more composure than he had expected.

He was further impressed as he left the office to see upon a brass plate the new name of Czernwitz added to Mr. Boyle's and to note the several lines of telephone which radiated from the central cabin that served the whole premises.

Commercial requirements are many, complicated, delicate and often secret; nor was Mr. Clutterbuck so simple as to contrast the excellent appointments of the office and the air of prosperity which permeated it, with the personal and private offer for an advance which Mr. Boyle had been good enough to make.

The partnership of which Mr. Boyle was a member was evidently sound—the name of Czernwitz was enough to show that; there could be little doubt of the banking support behind such an establishment; but the relations between partners often involve special details of which the outside world is ignorant, the moment might be one in which it was inconvenient to approach the bank in the name of the firm; a large concession might, for all he knew, have just been obtained for some common purpose; Mr. Boyle himself might have in hand a personal venture bearing no relation to the transactions of the partnership; he might even very probably be gathering, from more than one quarter, such small sums as he required for the moment. A man must have but little acquaintance with the City whose imagination could not suggest such contingencies, and upon an intimate acquaintance with the City and all its undercurrents Mr. Clutterbuck very properly prided himself. During that brief walk all these considerations were at work in Mr. Clutterbuck's mind, and severally leading him to an act of generosity which the future was amply to justify.