When the two men emerged an hour later from the cozy smoking-room, Wilfred knew all the facts of the domestic tribulation, and beyond an appearance of occasional absent-mindedness, bore the confession cheerily.

“What about Dick Strangely, who was formerly teller in the bank over the way, and one of your numerous and most persistent admirers, Nell?” he inquired.

“Why,” hurriedly remarked his brother-in-law, “did I not tell you that he was president of the bank over the way who held my note.”

“No, you certainly did not. Now Nell, your good husband has told me all about his trouble, and I want your opinion about it. You used to be pretty clear-headed; perhaps, however, I ought to have said pretty and clear-headed.”

“And so he occupies the flat over the bank, does he?” was the inquiry which followed his sister’s opinion expressed in womanly fashion, but with a sense and directness which caused the listener to weigh well every word that fell from her lips.

As he made the inquiry, Wilfred rose from his seat, parted the heavy window curtains, and, undoing the wooden shutters, gazed across the street. The storm had abated, and for the time being, at least, the snow had ceased to fall. The bright lamp-light from the street fell full on the massive front of the bank and showed a white face and cruel merciless gaze turned on the house—the house the Cargills were occupying.

“Why that was Strangely himself, was it not?” remarked Will, and the other nodding his reply he added, “Not much of friendship in that glance, brother-in-law mine; what do you say?”

Half an hour later the new arrival begged permission to retire, on the plea of fatigue. He had previously urged his sister to give him a bedroom in the front of the house, if possible. “I want to study the banker,” he explained, “and I cannot think properly of anyone over my shoulder, or through a number of empty rooms.” In kissing his sister he whispered in her ear, “I think things will come all right in time for Christmas eve.” For a moment she brightened up and then with a little doleful sigh she replied, “Ah! you do not know how vindictive that banker is; he is working for revenge, not money.”

“I know, I know,” returned her brother with a touch of impatience. “Still you just believe what I say, and go to bed in peace. Leave things to me; I have straightened out worse tangles than this.”

When his sister had left the room he drew a chair in front of the clear wood fire that burned in the low grate, and drawing to his side a small table, he leaned his elbow on it with his outspread fingers supporting his temples. For fully an hour he remained in that position, as immovable as if cast in bronze. At the end of that time he rose from his chair pale and almost ghostly in appearance, but with eyes that shone supernaturally large and bright against the white skin of his face. There was an air of set tension about the man, which a child would have recognized and a thick-hided crocodile of the Ganges have given the right of the road to.