"Certainly it may. My brother is one of the most cautious men living; he would not have written so decisively"—touching the note with his finger—"had any doubt existed. Most likely he has heard from George Atkinson himself: he would of course write before sailing. Atkinson is virtually his chief partner, you know, head of the bank. I had thought my brother would perhaps call here last night, but he did not. Something or other has come to my ankle, and I can't get out."

"Then—this note from Mr. Edwin Street is all the information you as yet possess?"

"Yes, all. But I know it is to be relied on. I thought it better to write at once and acquaint the major: he will have little time, as it is, to prepare for the change, and see what can be done."

Frank rose. "I will go down and question Mr. Edwin Street," he said. "I suppose I am at liberty to do so?"

"Oh, quite at liberty," was the reply. "He no doubt wrote to me with a view to preparing your family, Mr. Raynor. You will find him at the bank."

The banker received Frank coldly; he seemed just the same hard, ungenial, self-contained sort of man that his brother was. Harder, in fact. This was indeed his general manner: but somehow, Frank caught up an idea that he had a dislike to the name of Raynor.

"I beg to refer you to Callard and Priestleigh, Mr. Atkinson's solicitors," spoke the banker to Frank, as soon as the latter entered on his business. "They will be able to afford you every necessary information."

"But won't you tell me how it has all come about?" cried Frank, his genial manner presenting a contrast to that of the banker. "If Mrs. Atkinson made a later will, where has the will been all this while? Why should it turn up at a twelvemonth's end, and not at the time of her death?"

"The will, as I am informed, has been lying in the hands of Callard and Priestleigh."

"Then why did Callard and Priestleigh not produce it at the proper time?" reiterated Frank.