Then there was no doubt that it was an interesting little community, that of the New Asiatic Bank. The curiously amateurish nature of the institution lent a certain air of light-heartedness to the place. It was not like one of those banks whose London office is their main office, where stern business is everything and a man becomes a mere machine for getting through a certain amount of routine work. The employees of the New Asiatic Bank, having plenty of time on their hands, were able to retain their individuality. They had leisure to think of other things besides their work. Indeed, they had so much leisure that it is a wonder they thought of their work at all.

The place was full of quaint characters. There was West, who had been requested to leave Haileybury owing to his habit of borrowing horses and attending meets in the neighbourhood, the same being always out of bounds and necessitating a complete disregard of the rules respecting evening chapel and lock-up. He was a small, dried-up youth, with black hair plastered down on his head. He went about his duties in a costume which suggested the sportsman of the comic papers.

There was also Hignett, who added to the meagre salary allowed him by the bank by singing comic songs at the minor music halls. He confided to Mike his intention of leaving the bank as soon as he had made a name, and taking seriously to the business. He told him that he had knocked them at the Bedford the week before, and in support of the statement showed him a cutting from the Era, in which the writer said that 'Other acceptable turns were the Bounding Zouaves, Steingruber's Dogs, and Arthur Hignett.' Mike wished him luck.

And there was Raymond who dabbled in journalism and was the author of 'Straight Talks to Housewives' in Trifles, under the pseudonym of 'Lady Gussie'; Wragge, who believed that the earth was flat, and addressed meetings on the subject in Hyde Park on Sundays; and many others, all interesting to talk to of a morning when work was slack and time had to be filled in.

Mike found himself, by degrees, growing quite attached to the New Asiatic Bank.

One morning, early in February, he noticed a curious change in Mr Waller. The head of the Cash Department was, as a rule, mildly cheerful on arrival, and apt (excessively, Mike thought, though he always listened with polite interest) to relate the most recent sayings and doings of his snub-nosed son, Edward. No action of this young prodigy was withheld from Mike. He had heard, on different occasions, how he had won a prize at his school for General Information (which Mike could well believe); how he had trapped young Mr Richards, now happily reconciled to Ada, with an ingenious verbal catch; and how he had made a sequence of diverting puns on the name of the new curate, during the course of that cleric's first Sunday afternoon visit.

On this particular day, however, the cashier was silent and absent-minded. He answered Mike's good-morning mechanically, and sitting down at his desk, stared blankly across the building. There was a curiously grey, tired look on his face.

Mike could not make it out. He did not like to ask if there was anything the matter. Mr Waller's face had the unreasonable effect on him of making him feel shy and awkward. Anything in the nature of sorrow always dried Mike up and robbed him of the power of speech. Being naturally sympathetic, he had raged inwardly in many a crisis at this devil of dumb awkwardness which possessed him and prevented him from putting his sympathy into words. He had always envied the cooing readiness of the hero on the stage when anyone was in trouble. He wondered whether he would ever acquire that knack of pouring out a limpid stream of soothing words on such occasions. At present he could get no farther than a scowl and an almost offensive gruffness.

The happy thought struck him of consulting Psmith. It was his hour for pottering, so he pottered round to the Postage Department, where he found the old Etonian eyeing with disfavour a new satin tie which Bristow was wearing that morning for the first time.

'I say, Smith,' he said, 'I want to speak to you for a second.'