Still, he thought he would make one effort with the directors in favour of John Redgrave, whose property he knew was thoroughly good of its kind, and whose particular case he felt to be one of “real distress.”

“I can but reiterate my expressions of regret, my dear Mr. Redgrave,” returned he; “nothing but the extreme, the unprecedented financial disorganization could have led the bank authorities to countenance so harshly restrictive a policy. I cannot speak of it in any other terms. But I will make a special effort to obtain further accommodation for you, though I do not advise you to rest any great hope upon a favourable response. On Wednesday the Board sits again. If you will call on Monday morning next, I will inform you of their ultimatum.”

Jack thanked the banker from his heart, and went forth to spend two or three days after a rather less melancholy fashion. We know that John Redgrave was so enthusiastic a votary of the present that, unless that genius was manifestly overshadowed by the awful future, he was apt to cry ruthlessly—“Stay, for thou art fair.”

So he ate of the unaccustomed, and drank of the choice, and otherwise solaced himself, carrying a good hope of the success of Mr. Mildmay Shrood’s intercession, the prestige of which he overrated sadly, until Monday morning.

His heart commenced to register a low tide of electricity—dark doubts, akin to despair, began to throng and rise; there was “a whisper of wings in the air,” altogether non-angelic, as he stood once more in the presence of Mildmay Shrood, and of—Fate. One look at the fixed expression of the features of the manager was sufficient to settle the question of concession. All hope and expectation died out of Jack’s heart. He nerved himself for the blow.

“I regret more deeply than I can express——” commenced Mr. Shrood.

“It is not worth while to go on,” interrupted Jack. “I believe that you have tried to do what you could for me, and I thank you sincerely for it. The question is now, what time can I have to make arrangements with another bank, or a mercantile firm, to carry me on—if such an unlikely thing comes to pass?”

“The bank will take no action for one month—so much I can guarantee; at the end of that period no further cheque will be paid, and the bank will sell or take possession of the stock and station, as mortgaged to them.”

“What about current expenses?”

“They will be paid as usual—if not exceeding ordinary amounts.”