"You do me wrong, sir, when you think that I could willingly leave you for my own advantage," Clement answered, quietly. "I have no better engagement, nor have I even a prospect of any engagement."

"You haven't!" exclaimed the junior partner; "and yet you throw away such a chance as only falls to the lot of one man in a thousand! I don't particularly care about guessing riddles, Mr. Austin; perhaps you'll be kind enough to tell me frankly why you want to leave us?"

"I regret to say that it is impossible for me to do so, sir," replied the cashier; "my motive for leaving this house, which is a kind of second home to me, is no frivolous one, believe me. I have weighed well the step I am about to take, and I am quite aware that I sacrifice very excellent prospects in throwing up my present situation. But the reason of my resignation must remain a secret; for the present at least. If ever the day comes when I am able to explain my conduct, I believe that you will give me your hand, and say to me, 'Clement Austin, you only did your duty.'"

"Clement," said Mr. Balderby, "you are an excellent fellow; but you certainly must have got some romantic crotchet in your head, or you could never have thought of writing such a letter as this. Are you going to be married? Is that your reason for leaving us? Have you fascinated some wealthy heiress, and are you going to retire into splendid slavery?"

"No, sir. I am engaged to be married; but the lady whom I hope to call my wife is poor, and I have every necessity to be a working man for the rest of my life."

"Well, then, my dear fellow, it's a riddle; and, as I said before, I'm not good at guessing enigmas. There, my boy; go home and sleep upon this; and come back to me to-morrow morning, and tell me to throw this stupid letter in the fire—that's the wisest thing you can do. Good night."

But, in spite of all that Mr. Balderby could say, Clement Austin steadily adhered to his resolution. He worked early and late during the month in which he remained at his post, preparing the ledgers, balancing accounts, and making things straight and easy for the new cashier. He told Margaret Wilmot of what he had done, but he did not tell her the extent of the sacrifice which he had made for her sake. She was the only person who knew the real motive of his conduct, for to his mother he said very little more than he had said to Mr. Balderby.

"I shall be able to tell you my motives for leaving the banking-house at some future time, dear mother," he said; "until that time I can only entreat you to trust me, and to believe that I have acted for the best."

"I do believe it, my dear," answered the widow, cheerfully; "when did you ever do anything that wasn't wise and good?"

Her only son, Clement, was the god of this simple woman's idolatry; and if he had seen fit to turn her out of doors, and ask her to beg by his side in the streets of the city, I doubt if she would not have imagined some hidden wisdom lurking at the bottom of his apparently irrational proceedings. So she made no objection to his abandoning his desk in the house of Dunbar, Dunbar, and Balderby.