"Um," he grunted. "Advice, Mr. Cromarty? Umph!"

"Don't trouble beating about the bush," said the tall man. "I've been figuring things out myself and so far as I can see, it comes to this:—that loan from Sir Reginald put me straight in the meantime, but I've got to cut down expense all round to keep straight, and I've got to pay him back. Of course you know his way when it's one of the clan he's dealing with. 'My dear Ned, no hurry whatever. If you send my heir a cheque some day after I'm gone it will have the added charm of surprise!' Well, that's damned decent, but hardly business. I want to get the whole thing off my chest. Got the statement made up?"

Simon shook his head.

"Very sorry, Mr. Cromarty. Haven't had time yet."

"Hell!" said Mr. Cromarty, though in a cheerful voice, and then added with an engaging smile, "Pardon me, Mr. Rattar. I'm trying to get educated out of strong language, but, Lord, at my time of life it's not so damned—I mean dashed easy!"

Even Simon Rattar's features relaxed for an instant into a smile.

"And who is educating you?" he enquired.

Mr. Cromarty looked a little surprised.

"Who but the usual lady? Gad, I've told you before of my sister's well meant efforts. It's a stiff job making a retired cow puncher into a high grade laird. However, I can smoke without spitting now, which is a step on the road towards being a Lord Chesterfield."