So hopeless did the merchant consider his case, that he did not even make an effort to get temporary aid in his extremity.

When the friend of Mr. Winslow came with the information that the house of Toledo & Co. had failed, the latter was searching about in his mind for the means of lifting about five thousand dollars worth of paper, which fell due on that day. He had two thousand dollars in bank; the balance of the sum would have to be raised by borrowing. He had partly fixed upon the resources from which this was to come, when the news of his ill-fortune arrived.

Yes, it was ruin. Mr. Winslow saw that in a moment, and his hands fell powerless by his side. He made no further effort to lift his notes, but, after his mind had a little recovered from its first shock, he left his store and retired to his home, to seek in its quiet the calmness and fortitude, of which he stood so greatly in need. In this home were his wife and two daughters, who all their lives had enjoyed the many external comforts and elegancies that wealth can procure. The heart of the father ached as his eyes rested upon his children, and he thought of the sad reverses that awaited them.

On entering his dwelling, Mr. Winslow sought the partner of his life, and communicated to her without reserve, the painful intelligence of his approaching failure.

“Is it indeed so hopeless?” she asked, tears filling her eyes.

“I am utterly prostrate!” was the reply, in a voice that was full of anguish. And in the bitterness of the moment, the unfortunate merchant wrung his hands.

To Mrs. Winslow, the shock, so unexpected, was very severe; and it was some time before her mind, after her husband’s announcement, acquired any degree of calmness.

About half an hour after Mr. Winslow’s return home, and while both his own heart and that of his wife were quivering with pain, a servant came and said that a gentleman had called and wished to see him.

“Who is it?” asked the merchant.

“I did not understand his name,” replied the servant.