The vision of an old gentleman sitting in his home, which he had lost, came back to him across the years.

"That young man is a gentleman," he heard him say. "It takes a gentleman to write such a letter to a friend in misfortune. Write to him and say we will never forget his kindness." He heard the same old gentleman say, after years of poverty, "You must pay your debt though I give up Elphinstone."

Was he not now forgetting Norman's kindness? But was it not too late? Could he save him? Would he not simply be throwing away his money to offer it to him? Suddenly again, he seemed to hear his father's voice:

"The Devil is standing close behind you. You are at the parting of the ways. A gentleman cannot hesitate."

"Mr. Creamer," he said suddenly, "why don't Norman Wentworth's friends come to his rescue and help him out of his difficulties?"

The question might have come from the sky, it was so unexpected. It evidently caught the others unprepared with an answer. They simply smiled vaguely. Mr. Creamer said presently, rubbing his chin:

"Why, I don't suppose they know the extent of his difficulties."

"And I guess he has no collateral to offer?" said another.

"Collateral! No; everything he has is pledged."

"But I mean, why don't they lend him money without collateral, if necessary, to tide him over his trouble? He is a man of probity. He has lived here all his life. He must have many friends able to help him. They know that if he had time to realize on his properties he would probably pull through."