“Yes,” said Potts.

“Are you familiar with the banking business?” asked Smithers, suddenly.

“Well, no, not very. I haven’t had much experience; but I’m growing into it.”

“Ah! I suppose your directors are good business men?”

“Somewhat; but the fact is, I trust a good deal to my cashier.”

“Who is he?”

“His name is Philips, a very clever man; a first-rate accountant.”

“That’s right. Very much indeed depends on the cashier.”

“He is a most useful and reliable man.”

“Your business appears to be growing, from what I have heard.”