A little scream stopped him, for the word “wrecked” struck a chill to the poor woman’s heart.

“What! wrecked again?” she cried, “on a bank, in a boat? Oh! don’t tell me, don’t tell me that he’s drownded.”

“No, no,” cried Mr Jack, hastening to relieve her mind, while he supported her to a chair; “no, no; my dear boy’s all right. It’s the Blankow Bank I mean that’s gone to wreck, you know, and all his money with it, and yours too, I suppose, for you told me you had shares in that bank.”

“Oh! as to that,” said Mrs Niven, greatly relieved, “you may mak’ yer mind easy. I’ve got nae shares intilt noo. I selt them through Mr Black lang syne. He’s a douce, clever, honest felly—a relation o’ mine, and a first-rate business man; but for him I’d hae lost my siller, nae doot. He warned me that the bank was nae a right ane, and advised me to sell.”

Mr Jack thought that such a clever, disinterested man-of-business, and a relation of Mrs Niven, might be just the person to give him sound advice at this crisis; he therefore obtained his address, and, after a long chat with the good woman, who would have listened for hours to the adventures of her “bonny lodger,” took his departure, and in due time stood at the door of the dirty little office.

The dirty clerk ushered the visitor into the presence of Mr Black, whose presence was more repulsive than it used to be. He received Mr Jack rather gruffly, and asked his business.

“Oho! an eccentric character, gruff but honest,” thought Mr Jack, who began by saying that he had just come from visiting his friend Mrs Niven.

Mr Black’s face grew almost green at the name, and his brows scowled fiercely.

“Strange look for an honest, kindly man,” thought Mr Jack, “but we must never judge from the outward appearance;” then he said aloud, “I went to see her about that bank failure—”

“Ha!” growled Mr Black, interrupting, “but for that woman, and that—” he checked himself and said, “but you came here on some matter of business, I suppose. Will you state it?”