These thoughts were hot in his heart at the time of this misadventure with Markham; and then there came a lull, and he partially forgot them. When no harm is visible, when the tranquil ordinary course of affairs seems to close over a wrong or a blunder, it is so difficult to imagine that everything will not go well. He said as little as possible to Helen on the subject, and she did not take fright fortunately, having many things to occupy her now-a-days. There was her own enlarged and fuller household; the duties of society; her charities, for she was very good to the poor people near Southlees, their house in the country, and kept watch over them even from St Mary's Road. And she had now many friends who came and occupied her time, and carried her off from her husband; so that he had not that resource of talking about it which so often lightens our anxiety, and so often deepens it. In this instance, perhaps, it was as well that he could not awaken her fears to increase and stimulate his own.

And thus everything fell into its usual quietness. Life was so pleasant for them. They had so much real happiness to cushion the angles of the world, and make them believe that all would always be well. Those who have been experienced in pain are apt to tremble and doubt the continuance of happiness when they attain it; but to those who have had no real sorrows it seems eternal. Why should it ever come to an end? This the Drummonds felt with an instinctive confidence. It was easier to believe in any miracle of good than in the least prognostic of evil. The sun was shining upon them; summer was sweet and winter pleasant. They had love, they had ease, they had wealth, as much as they desired, and they believed in it. The passing cloud rolled away from Robert's mind. He reflected that if there was danger there, there was danger in everything; every day, he said to himself, every man may be in some deadly peril without knowing it. We pass beneath the arch that falls next moment; we touch against some one's shoulder unaware, whose touch of infection might be death; we walk over the mined earth, and breathe air which might breed a pestilence, and yet nothing happens to us. Human nature is against everything violent. Somehow she holds a balance, which no one breaks down, though it is possible to be broken down at any moment. The directors might ruin the bank in a week, but they would not, any more than the elements, which are ever ready for mischief, would clash together and produce an earthquake. Such things might be: but never—or so seldom as to be next to never—are.

In the early autumn of that year, however, another shock came upon the ignorant painter. His wife and Norah were at Southlees, where he himself had been. Business had brought him up against his will, business of the gentler kind, concerning art and the Academy, not the bank. He was alone at St Mary's Road, chafing a little over his solitude, and longing for home and the pleasant fields. London, the London he knew and cared for, had gone out of town. August was blazing upon the parks and streets; the grass was the colour of mud, and the trees like untanned leather. The great people were all away in their great houses, and among his own profession those who could afford it had started for Switzerland or some other holiday region, and those who could not had gone for their annual whiff of sea-air. Robert was seated by himself at breakfast, mournfully considering how another day had to be got over, before he could go home, when a hansom dashed up to the door, and Mr Golden, bland and clean as ever, but yet with a certain agitation in his face, came in. He explained eagerly that he had come to Drummond only because the other directors were out of town. 'The fact is,' he said, 'I want you to come with me, not to give you much trouble or detain you long, but to stand by me, if you will, in a crisis. We have had some losses. Those people in Calcutta who chose to stop payment, like fools, and the Sullivans' house at Liverpool.—It is only temporary.—But the Bank of England has made itself disagreeable about an advance, and I want you to come with me and see the governor.'

'An advance! Is Rivers's in difficulties? is there anything wrong? You take away my breath.'

'There is no occasion for taking away your breath,' said Mr Golden; 'it is only for the moment. But it is an awkward time of the year, for everybody is out of town. I should not have troubled you, knowing you were not a business man, but of course the presence of a director gives authority. Don't be alarmed, I beg. I will tell you all about it as we drive along.'

But what Mr Golden told was very inarticulate to Robert, what with the wild confusion produced in his own mind, and the noise and dust of the sultry streets. It was the most temporary difficulty; it was not worth speaking of; it was a simple misunderstanding on the part of the authorities of the Bank of England. 'Why we are worth twenty times the money, and everybody knows it,' said Mr Golden. His words, instead of making Robert confident, made him sick. His sin in that matter of Markham came darkly before him; and, worse even than that, the manager's words recalled Markham's to him. In his case, too, it was to have been merely a temporary difficulty. Drummond's imaginative mind rushed at once to the final catastrophe. He saw ruin staring him in the face—and not only him.

The interview with the authorities of the Bank of England did not make things much clearer to the amateur. They talked of previous advances; of their regret that the sacred name of 'Rivers's' should be falling into mist and darkness; of their desire to have better securities, and a guarantee which would be more satisfactory: to all of which Robert listened with consternation in his soul. But at last the object was attained. Mr Golden wiped the moisture from his forehead as they left the place. 'That has been a tough battle,' he said, 'but thank Heaven! it is done, and we are tided over. I knew they would not be such fools as to refuse.'

'But, good God!' said Robert, 'what have you been doing? What is the meaning of it? Why do you require to go hat in hand to any governor? Is Rivers's losing its position? What has happened? Why don't you call the shareholders together and tell them if anything is wrong?'

'My dear Mr Drummond!' said Mr Golden. He could scarcely do more than smile and say the words.

'Don't smile at me,' said Drummond in the ardour of his heart. 'Do you consider that you have the very lives of hundreds of people in your hands? Call them together, and let them know what remains, for God's sake! I will make good what was lost through me.'