"He did, sir. His father was very liberal to him; but give him what he would, Mr. Percival Dunbar could never give his son enough to keep him free of gambling debts and losses on the turf. Mr. Henry's regiment was quartered at Knightsbridge, and the young man was very often at this office, in and out, in and out, sometimes twice and three times a week; and I expect that every time he came, he came to get money, or to ask for it. It was in coming here he met my brother, who was a handsome lad—ay, as handsome and as gentlemanly a lad as the young cornet himself; for poor Joseph—that's my brother, gentlemen—had been educated a bit above his station, being my mother's favourite son, and fifteen years younger than me. Mr. Henry took a great deal of notice of Joseph, and used to talk to him while he was waiting about to see his father or his uncle. At last he asked the lad one day if he'd like to leave the bank, and go and live with him as a sort of confidential servant and amanuensis, to write his letters, and all that sort of thing. 'I shan't treat you altogether as a servant, you know, Joseph,' he said, 'but I shall make quite a companion of you, and you'll go about with me wherever I go. You'll find my quarters a great deal pleasanter than this musty old banking-house, I can tell you.' Joseph accepted this offer, in spite of everything my poor mother and I could say to him. He went to live with the cornet in the January of the year in which the fabricated bills were presented at our counter."

"And when were the bills presented?"

"Not till the following August, sir. It seems that Mr. Henry had lost five or six thousand pounds on the Derby. He got what he could out of his father towards paying his losses, but he could not get more than three thousand pounds; so then he went to Joseph in an awful state of mind, declaring that he should be able to get the money in a month or so from his father, and that if he could do anything just to preserve his credit for the time, and meet the claims of the vulgar City betting fellows who were pressing him, he should be able to make all square afterwards. Then, little by little, it came out that he wanted my brother, who had a wonderful knack of imitating any body's handwriting, to forge the acceptance of Lord Vanlorme. 'I shall get the bills back into my own hands before they fall due, Joe,' he said; 'it's only a little dodge to keep matters sweet for the time being.' Well, gentlemen, the poor foolish boy was very fond of his master, and he consented to do this wicked thing."

"Do you believe this to be the first time your brother ever committed forgery?"

"I do, Mr. Balderby. Remember he was only a lad, and I dare say he thought it a fine thing to oblige his generous-hearted young master. I've seen him many a time imitate the signature of this firm, and other signatures, upon a half-sheet of letter-paper, for the mere fun of the thing: but I don't believe my brother Joseph ever did a dishonest action in his life until he forged those bills. He hadn't need have done so, for he was only eighteen at the time."

"Young enough, young enough!" murmured Mr. Balderby, compassionately.

"Ay, sir, very young to be ruined for life. That one error, that one wicked act, was his ruin; for though no steps were taken against him, he lost his character, and never held his head up in an honest situation again. He went from bad to worse, and three years after Mr. Henry sailed for India, my brother, Joseph Wilmot, was convicted, with two or three others, upon a charge of manufacturing forged Bank of England notes, and was transported for life."

"Indeed!" exclaimed Mr. Balderby; "a sad story,—a very sad story. I have heard something of it before, but never the whole truth. Your brother is dead, I suppose."

"I have every reason to believe so, sir," answered the old clerk, producing a red cotton handkerchief and wiping away a couple of tears that were slowly trickling down his poor faded cheeks. "For the first few years of his time, he wrote now and then, complaining bitterly of his fate; but for five-and-twenty years I've never had a line from him. I can't doubt that he's dead. Poor Joseph!—poor boy!—poor boy! The misery of all this killed my mother. Mr. Henry Dunbar committed a great sin when he tempted that lad to wrong; and many a cruel sorrow arose out of that sin, perhaps to lie heavy at his door some day or other, sooner or later, sooner or later. I'm an old man, and I've seen a good deal of the ways of this world, and I've found that retribution seldom fails to overtake those who do wrong."

Mr. Balderby shrugged his shoulders.