To him, in his dazed state, came Harold Flower. Harold, messenger to the Planet Insurance Company and one of the most assiduous money-borrowers in London, had listened to the office gossip about the legacy as if to the strains of some grand, sweet anthem. He was a bibulous individual of uncertain age, who, in the intervals of creeping about his duties, kept an eye open for possible additions to his staff of creditors. Most of the clerks at the Planet had been laid under contribution by him in their time, for Harold had a way with him that was good for threepence any pay-day, and it seemed to him that things had come to a sorry pass if he could not extract something special from Plutocrat Balmer in his hour of rejoicing.

Throughout the day he shadowed George, and, shortly before closing-time, backed him into a corner, tapped him on the chest, and requested the temporary loan of a sovereign.

In the same breath he told him that he was a gentleman, that a messenger's life was practically that of a blanky slave, and that a young man of spirit who wished to add to his already large fortune would have a bit on Giant Gooseberry for the City and Suburban. He then paused for a reply.

Now, all through the day George had been assailed by a steady stream of determined ear-biters. Again and again he had been staked out as an ore-producing claim by men whom it would have been impolitic to rebuff. He was tired of lending, and in a mood to resent unauthorized demands. Harold Flower's struck him as particularly unauthorized. He said so.

It took some little time to convince Mr Flower that he really meant it, but, realizing at last the grim truth, he drew a long breath and spoke.

'Ho!' he said. 'Afraid you can't spare it, can't you? A gentleman comes and asks you with tack and civility for a temp'y loan of about 'arf nothing, and all you do is to curse and swear at him. Do you know what I call you—you and your thousand quid? A tuppenny millionaire, that's what I call you. Keep your blooming money. That's all I ask. Keep it. Much good you'll get out of it. I know your sort. You'll never have any pleasure of it. Not you. You're the careful sort. You'll put it into Consols, you will, and draw your three-ha'pence a year. Money wasn't meant for your kind. It don't mean nothing to you. You ain't got the go in you to appreciate it. A vegetable—that's all you are. A blanky little vegetable. A blanky little gor-blimey vegetable. I seen turnips with more spirit in 'em that what you've got. And Brussels sprouts. Yes, and parsnips.'

It is difficult to walk away with dignity when a man with a hoarse voice and a watery eye is comparing you to your disadvantage with a parsnip, and George did not come anywhere near achieving the feat. But he extricated himself somehow, and went home brooding.

Mr Flower's remarks rankled particularly because it so happened that Consols were the identical investment on which he had decided. His Uncle Robert, with whom he lived as a paying guest, had strongly advocated them. Also they had suggested themselves to him independently.

But Harold Flower's words gave him pause. They made him think. For two weeks and some days he thought, flushing uncomfortably whenever he met that watery but contemptuous eye. And then came the day of his annual vacation, and with it inspiration. He sought out the messenger, whom till now he had carefully avoided.

'Er—Flower,' he said.