'I will sit on it myself sooner than let it cool,' Drummond had said with a laugh, yet with the tears in his eyes, with an attempt to lighten the seriousness of the moment. 'Dear old fellow, don't be afraid. Your sacred money will bring a blessing on the rest.'

'That is all very pretty and poetical,' said Mr Burton, with a curious shade passing over his face; 'but if Haldane has the slightest doubt on the subject, he should not make the venture. Of course, we are all prepared in the way of business to win or to lose. If we lose, we must bear it as well as we can. Of course, I think the investment as safe as the Bank of England—but at the same time, Drummond, it would be a very different thing to you or me from what it would be to him.'

'Very different,' said Drummond; but the mere suggestion of loss had made him pale. 'These are uncomfortable words,' he went on with a momentary laugh. 'For my part, I go in to win, without allowing the possibility of loss. Loss! Why I have been doing a great deal in ways less sure than Rivers's, and I have not lost a penny yet, thanks to you.'

'I am not infallible,' said Burton. 'Of course, in everything there is a risk. I cannot make myself responsible. If Haldane has the least doubt or hesitation——'

'If I had, your caution would have reassured me,' said the invalid. 'People who feel their responsibility so much, don't throw away their neighbour's money. It is all my mother has, and all I have. When you are tempted to speculate, think what a helpless set of people are involved—and no doubt there will be many more just as helpless. I think perhaps it would exercise a good influence on mercantile men,' he added, with perhaps a reminiscence of his profession, 'if they knew something personally of the people whose lives are, so to speak, in their hands.'

'Haldane,' said Mr Burton hastily, 'I don't think we ought to take your money. It is too great a risk. Trade has no heart and no bowels. We can't work in this way, you know, it would paralyse any man. Money is money, and has to be dealt with on business principles. God bless me! If I were to reflect about the people whose lives, &c—I could never do anything! We can't afford to take anything but the market into account.'

'I don't see that,' said the painter, who knew as much about business as Mr Burton's umbrella. 'I agree with Haldane. We should be less ready to gamble and run foolish risks, if we remembered always what trusts we have in our hands,—the honour of honest men, and the happiness of families.'

He was still a little pale, and spoke with a certain emotion, having suddenly realised, with a mixture of nervous boldness and terror, the other side of the question. Mr Burton turned away with a shrug of his shoulders.

'It suits you two to talk sentiment instead of business,' he said, 'but that is not in my line. So long as my own credit is concerned, I find that a much greater stimulant than anybody else's. Self-interest is the root of everything—in business; and if you succeed for yourself, which of course is your first motive, you succeed for your neighbours as well. I don't take credit for any fine sentiments. That is my commercial creed. Number one includes all the other numbers, and the best a man can do for his friends is to take care of himself.'

He got up with a slight show of impatience as he spoke. His face was overcast, and he had the half-contemptuous air which a practical man naturally assumes when he listens to anything high-flown. He, for his part, professed to be nothing but a man of business, and had confidence enough in his friends' knowledge of him to be able to express the most truculent sentiments. So, at least, Haldane thought, who smiled at this transparent cynicism. 'I suppose, then, we are justified in thinking anything that is bad of you, and ought not to trust you with a penny?' he said.