“No, thank God, I’m not,” said Mr Jack, with an increasingly anxious look. “But tell me, Mr Wilkins—for I don’t understand banking matters very well—is my son’s money all gone?”

“All,” returned Mr Wilkins sadly, “and all that my own son has invested, as well as that of his friends!”

“How was it, sir,” asked Mr Jack, in a reproachful tone, “that you were so confident in recommending the investment?”

“Because I thoroughly believed in the soundness of the bank and in the character of its directors. Investing my own funds so largely in its stock proves how I trusted it. But I was mistaken. It is a mystery which I cannot solve. Perhaps, when the examination of its affairs is completed, light may be thrown on the subject. I hope that no more of your relations or friends have stock in it?”

“None that I know of, except indeed my poor friend Mrs Niven, who was my son’s landlady when he was at college. I’ll go and inquire about her.”

Mr Jack thrust the fat pocket-book into a breast pocket, and buttoned up his coat with the determined air of a man who means to keep hold of what he has got.

Bidding Mr Wilkins good-bye, he walked rapidly to Mrs Niven’s house and pulled the bell rather violently. The summons was promptly answered by Peggy, who ushered him into a little parlour, where he was quickly joined by Mrs Niven.

“I’m very sorry to hear the bad news,” said Mr Jack, pressing the good woman’s hand in sympathy.

“What bad news?” asked Mrs Niven, in alarm.

“The bank, you know,” said Mr Jack. “It’s very hard, and to think that you’re in the same boat with my dear boy, whose fortune is wrecked—”