"And the very best thing you can do is to stop," was the reply. "I will do all in my power to help you through, and if you want a friendly trustee I should not object to act. But," and he laid his hand impressively on Mortomley's arm, "you go straight to your solicitor without turning to the right or to the left. Put it beyond your own power to draw back before you see Forde. I have always told you that, although to such a concern the amount of your indebtedness is or should be nothing, still you are a link in a chain, and you know what happens if even one link gives way."

"But I should not like his first intimation of the matter to be by circular," answered Mr. Mortomley.

"First intimation, pooh!" retorted the other. "The man is not a total idiot. He knows you are in difficulties; he knows how difficulties always end. He may not expect the end to come so soon, but he must be certain it is on its way."

Nevertheless, Mortomley hesitated. This was just like Mortomley—to pause when staking something high for himself, and consider Dick, Tom, or Harry might not like his throw.

This had been a weak point in every Mortomley, since the days of him who left the Place to seek his fortune; but it was intensified in Archibald who, through this and other similar traits was about to bring the last noble left by his predecessors to ninepence.

"Now promise me," said the self-constituted adviser, noticing his hesitation; "I know Forde better than you. I have been behind the scenes in that respectable concern, and could let you into a good many mysteries if I chose; and I can tell you if you go to Vedast Wharf before you have been to Mr. Leigh, you won't go into liquidation till you have nothing left to liquidate. If Forde must be told, let your nephew tell him."

"I will go to him fast enough if you will accompany me," answered Rupert; "but I should not care for the task of breaking it to him alone."

Whereat the other laughed loudly. "Look here," he said, "what is there to be afraid of? He won't try to murder you, and if he did he could not well succeed in the attempt. He will blow up, doubtless; rave and blaspheme a good deal; swear you are all swindlers together, and that there is only one honest man, himself, left on earth. He will then calm down and try to cajole you to keep things moving a little longer; then he will offer you more credit, and, perhaps, to help you to open fresh credits; and if the thing is not done, he will over-persuade you to go on. But if the thing is done, and he knows remonstrance is useless, he will make the best of a bad business. He will tell his directors your estate is good to pay forty shillings in the pound, and you may have more peace and comfort in your home and your business than you have known for many a long day past."

There was truth in all this—hard, keen, practical truth—as Rupert, who had experienced some very stormy weather at St. Vedast Wharf, knew, and Mortomley, who had been kept pretty well in ignorance of the frequent tempests which prevailed there, instinctively felt.

"What you say is right enough," remarked Rupert after a pause. "But come now, Mr. Gibbons, be frank. If it were your own case now, should you like facing Forde?"