"The Atlantic Trust has gone under. The Clearing House refused to clear. You know what that means."

"But, I say, you're not affected. You've been out of the market for months. I say, you didn't have anything up."

"No, no," said Bojo grimly. He went and sat down, his head in his hands. "I'm not thinking of myself. Some one else. I can't tell you; you must guess. It will probably all be out soon enough. By George, this is a cropper."

"I think I understand," said Granning slowly. He sat down in turn, kicking his toes against the twisted andirons on the hearth. "The Atlantic Trust—and a billion—who knows, a billion and a half deposits! What the deuce are we coming to? It will hit us all—bad times!"

Bojo got up heavily and went out. Hardly had he stepped from the leafy isolation of the Court into the strident conflict of Times Square when he felt the instant alarm that great disasters instantaneously convey to a metropolitan crowd. Newspaper trucks were screaming past, halting to fling out great bunches of the latest extras to fighting, scrambling groups of street urchins who dispersed, screaming their shrill evil in high-pitched, contagion-spreading voices. Every one was devouring the last panic-ridden sheet, some hurrying home, others stopping in their tracks spellbound to read to the end. He bought an extra hastily from a strident newsboy who thrust it in his face. The worst was true. The great Atlantic Trust had been refused clearance. Darkest suspicions were thrown upon its solvency. The names of other banks, colossal institutions, were linked under the same awful rumors. The morrow would see a run on a dozen banks such as the generation had not witnessed. He hailed a taxicab and hurried uptown. Drake had told him that everything depended upon the Atlantic Trust. Now that this had gone under did this mean his absolute ruin? Patsie was already waiting for him as he drew up before the great gray stone mansion. She flung herself in his arms, trembling and physically unnerved. He was afraid that she was going to collapse completely and began solicitously to whisper in her ear many deceptive words of hope and comfort.

"It may not be so bad. Your father—have you seen your father? How do you know what he has done? Perhaps he has come to some agreement this afternoon. Perhaps he has saved himself by some bold stroke. I believe him capable of anything."

She stopped the futile flow of words with her fingers across his lips.

"Oh, how happy we were this afternoon," she said, for the moment almost breaking down. But immediately the Spartan courage which was at the bottom of her character prevailed. She drew herself up, saying so quietly that he was surprised:

"Bojo, we mustn't deceive ourselves. This is the end, I know it. Whatever is to come we must help immediately."

"Yet I still feel, I can't help it, that something may have happened. He may have been able to do something to-day."