CHAPTER I.
CHAPTER II.
CHAPTER III.
CHAPTER V.
CHAPTER VI.
CHAPTER VII.
CHAPTER VIII.
CHAPTER IX.
CHAPTER X.
CHAPTER XI.
CHAPTER XII.
CHAPTER XVII.
CHAPTER XVIII.
CHAPTER XX.
CHAPTER XXII.
CHAPTER XXIII.
CHAPTER XXIV.
CHAPTER XXVI.
CHAPTER XXVII.
CHAPTER XXVIII.
CHAPTER I.
It
was an interesting scene, beyond doubt," said Mr. Westwood, the
senior partner in the Bracken-shire Bank of Westwood, Westwood,
Barwell, & Westwood. "Yes, I felt more than once greatly
interested in the course of the day.""Greatly
interested? Greatly interested?" said Cyril Mowbray, his second
repetition of the words being a note or two higher than the first.
"Greatly int——Oh, well, perhaps you had your own reasons for
feeling interested in so trivial an incident as a run on your bank
that might have made you a beggar in an hour or two. Yes, I shouldn't
wonder if I myself would have had my interest aroused—to a certain
extent—had I been in your place, Dick." Mr. Westwood laughed
with an excellent assumption of indifference, a minute or two after
his friend had spoken. Cyril could not understand why he had not
laughed at once; but that was probably because he had not been
brought up as the senior partner in a banking business, or, for that
matter, in any other business."The
fact is," said Mr. Westwood thoughtfully, when his laugh had
dwindled into a smile, as a breeze on the water dwindles into a
cat's-paw, "the fact is, Cyril, my lad, I've always been more or
less interested in observing men—men"—"And
women—women," said Cyril with a laugh. "You had a chance
of observing a woman or two to-day, hadn't you? I noticed that Mrs.
Lithgow—the little widow—among the crowd who clamoured for their
money—yes, and that Miss Swanston—she was there too. She looked
twenty years older than she is, even assuming that the estimate of
her age made by the women in our neighbourhood is correct.""Yes,
I was always interested in observing my fellow-men," said Mr.
Westwood musingly. "I noticed those women to-day. They were
worth it. Women always give themselves away upon such an occasion.
Men seldom do.""By
George, Dick, there were some men in the crowd that filled the bank
to-day who gave themselves away quite as badly as the women!"
said Cyril."No
doubt; but some of them met me with smiles and made a remark or two
regarding the extraordinary weather we have been having for May; they
wondered if the good old-fashioned summers were gone for ever—some
of them went so far as to express a sudden interest in my pheasants,
before they came to business. But the women—they made no
pretence—they wasted no time in preliminary chatter. 'My money—my
money—give me my money!' was what each of them gasped. They showed
their teeth like—like"—"Wolves?""Vampires
rather, man. Isn't it wonderful that a woman—a lady—can change
her natural expression of calm—the repose that stamps the caste of
Vere de Vere—to that of a Harpy in a moment? It makes one
thoughtful, doesn't it? Which is the real woman, Cyril—the one who
smiles pleasantly on you and insists on your taking another hot
buttered muffin as you loll in one of her easy-chairs in front of her
drawing-room fire, or the one who rushes trembling into your office
and stretches out a lean talon-like gloveless hand, glaring at you
all the time, with a cry—some shrill, others hoarse—of 'My
money!—give me my money!'—which is the real woman?""They
are not two but one," said Cyril. "Thunder and lightning
are as natural as sunshine and zephyr. Revenge is as much a part of a
woman's nature as love; constancy does not exclude jealousy. A woman
is a rather complex piece of machinery, Dick.""What!
Has Lothario turned philosopher?" cried Mr. Westwood. "Has
Mr. Cyril Mowbray become a student of woman in the abstract and an
exponent of her nature?""Mr.
Cyril Mowbray isn't quite such a fool as to fancy that he knows
anything about the nature of woman beyond what any man who keeps his
eyes open may know; only, when he hears a cynic such as Dick Westwood
suggest that a woman can't be sincere when she asks you to have
another piece of toast—or was it cake?—because he has seen her
anxious to get into her own hand her own money that is to keep her
out of the workhouse, Mr. Cyril Mowbray ventures to make a remark.""And
a wise remark, too," said Westwood. "I've noticed that
women believe in the men who believe in them. They believe in you"—"Worse
luck!" muttered Cyril."And
they don't believe in me—shall I say, better luck?""They
believed in you sufficiently to place their money in your bank.""But
not sufficiently to be confident that I would refrain from swindling
them out of it, should I have the chance. There's the difference
between us—the difference in a nutshell. If the bank was yours and
the rumour came, unaccountably as all such rumours come, that you
were insolvent, the women whose money you held would say, 'Let him
keep it and welcome, even if we have to go to the workhouse.' But the
moment they hear that there is a chance of my not being able to pay
my way, down they swoop upon me as the Harpies swooped down upon
Odysseus and his partners. And yet I have been quite as nice to women
as you have ever been—in fact, I might almost say I've been rather
nicer. After all, they only entrusted their cash to my keeping,
whereas to you they entrust"—"Worse
luck—worse luck!" groaned Cyril. "That brings us back to
the matter we talked over when we were last together. Poor Lizzie
Dangan! You told me that I should confess all to my sister; but, hang
it all, I can't do that! I tell you, Dick, I can't bring myself to do
it.""Psha!
Let us talk of something else; I haven't much inclination to give
myself up to the discussion of such trifles after what I have come
through to-day. Heavens! how can you expect a man who has passed
through such a crisis as only comes into few men's lives, to discuss
the love affair of a boy and girl? Do you suppose that the men who
had walked over the red-hot ploughshares would have made a
sympathetic audience to the bard who had just composed a ballad about
Edwin and Angelina? Do you think it likely that the three young men
who passed through the seven-times heated furnace of King
Nebuchadnezzar, or somebody, were particularly anxious, on coming
out, to discuss the aesthetic elements in the Song of Solomon?""A
few minutes ago you were referring to the run on the bank as if it
was the merest trifle; you were making out that you took only an
academic interest in the incident.""So
I did, so I did; yes, while it lasted. I'm convinced, my friend
Cyril, that a man who is being married, or hanged, or tried for some
crime, regards the whole affair from quite an impersonal standpoint.
Don't you remember how the Tichborne Claimant, on being asked on the
hundredth day of his trial something about what was going on, said,
'My dear sir, I've long ago ceased to have any interest in this
particular case'?""Yes,
but the Tichborne Claimant was the most highly perjured man of the
century.""He
drifted into accuracy upon the occasion to which I refer. Psha! never
mind. Here we are at the gates, safe and sound, thank Heaven!—yes,
thank Heaven and your sister. Cyril, you should be proud of her. I'm
proud of her. What she did went a long way toward saving the bank.""If
those fools who were clamouring at the desks had only paused for a
minute they would have known that the lodgment of a cheque could not
save the bank.""But
Agnes was clever enough to know that panic-stricken men and women do
not pause to consider such things. When they knew that your sister
had lodged a cheque for £15,000 they became reassured in a moment.
You saw how the men who had drawn out their money at one desk
relodged it at another? That's what's meant by a panic: the sheep
that rush wildly down one side of a field will, if turned, rush quite
as wildly back.""Anyhow,
it's all over now, and the credit of the bank is stronger than ever.
I wish mine was. What's that man doing at the side of the gate?"Cyril's
voice had lowered as he asked the question. He touched his friend's
arm as he spoke."Why,
can't you see that that's Ralph Dangan? What's strange about a
gamekeeper being at the entrance to the park?" said Westwood.
Then, as the dog-cart passed, the man in corduroy, who was standing
just inside the entrance gates, touched his hat. Westwood raised his
whip-arm replying to his salutation, and cried, "Good evening to
you, Ralph."Cyril
also raised his finger, and nodded to the man. But having done so he
drew a long breath.Westwood
laughed."'The
thief doth think each bush an officer,'" he said, shaking his
head at his companion."I've
been an awful scoundrel, Dick," said Cyril."I'm
a polite man. I'll not contradict you," said Westwood. "You
have every reason to be afraid of poor Lizzie's father, especially as
his employment makes it necessary for him to have a gun with him at
all times. An angry father who is a first-class shot with a gun is a
man to be avoided by the impulsive sweethearts of his daughter.""I
can trust Lizzie," said Cyril."At
any rate, she trusted you. More's the pity!"Cyril
groaned. "What am I to do, Dick—what am I to do?" he
asked almost piteously."I
think the best thing that you can do is to go out to Africa in search
of Claude," he replied. "Such chaps as you should be sent
to the interior of Africa in their infancy. You're savages by nature.
I suppose we are all more or less savages; but you see, some of us
become amenable to the influences of civilisation and Christianity,
so that we manage to keep moderately straight. But, really, after the
example we have had to-day of savagery, I, for one, do not feel
inclined to boast of the influences of civilisation, the foremost of
which should certainly be the power to reason. Heavens! the way those
men and women glared at the clerks—the way they struggled to get to
the cashiers. By my soul, Cyril, I believe that if they had not got
their money they would have climbed over the counter and torn the
clerks limb from limb—the women would have done that—they would,
by heavens!""I
believe they would, all except Patty Graves. She is engaged to young
Wilson, and she would have protected him with her life," laughed
Cyril."The
savage instinct again," cried Westwood. "Alas, Cyril, my
lad, I'm afraid that our civilisation is nothing more than a very
thin veneer after all."Then
the dog-cart pulled up at the entrance to the hall, where a groom
went to the horse's head while the two men, whose thoughts had
clearly been moving on lines that were far from parallel, got down
and entered the old house.Cyril
turned into the cloak-room of the hall whistling, for his troubles
did not weigh him quite down to the ground; and Richard Westwood,
also whistling, went up the shallow oak staircase, followed by a
couple of small spaniels, who had responded with lowered muzzles and
frantic tails to his greeting.But
when he had entered his dressing-room his affected nonchalance
ceased. He dropped into an easy-chair and wiped his forehead with
trembling hands. Then he leant forward and stared into the empty
grate, as if he saw something there that demanded his most earnest
scrutiny.He
gazed at that emptiness for a long time, the dogs inquiring in turn
what he meant, and assuring him that it was impossible that a rabbit
could be in any of the dark corners. When he paid no attention to
them they retired to the window to discuss his mood between
themselves.
CHAPTER II.
For
three hours Richard Westwood had been subjected to a severer strain
than most men have to submit to in the course of their lives. He was,
as has already been stated, the senior partner in the chief banking
house of Brackenshire—an old and highly-respected establishment. In
fact, there was a time when the stability of the house of Westwood,
Westwood, Barwell, & Westwood was regarded as at least equal to
that of the county itself. Only an earthquake could, it was thought,
produce any impression upon an English wheat-growing county, and a
cataclysm of corresponding violence in the financial world would be
required to shake the stability of Westwoods' Bank.But
in the course of time the importation of wheat in thousands of tons
from America and elsewhere caused the most earnest believers in the
stability of an English agricultural county to stand aghast; and then
a day came when a bank or two of quite as great respectability as
Westwoods' closed their doors and stopped payment all inside a single
week. In a country where people talk about things being "as safe
as the bank" such an occurrence produces an impression similar
to that of a thunderstorm in December or a frozen lake in June:
people begin to question the accuracy of their senses. If the bank
where they and their fathers and grandfathers have deposited their
money for years back beyond any remembrance, closes its doors, what
is there on earth that can be trusted?It
was toward the close of this phenomenal week that the rumour arose in
brackenhurst that Westwoods' Bank would be the next to fall. No one
knew where the rumour originated—no one knew what foundation there
was for such a rumour—no one who had money lodged in the bank
seemed to inquire.Even
up to noon on the day when the run upon the Brackenhurst offices took
place, nothing occurred to suggest that a panic was imminent among
the customers of the bank. For two hours the business of the
establishment was normal; Mr. Westwood was in his own room,
discussing with his solicitor the validity of some documents offered
as security for an overdraft by a local firm; the cashier, having
received a few small lodgments, was writing a letter to the Secretary
of the Styrton Cricket Club regarding the visit of the Brackenhurst
Eleven on the Saturday; two of the other members of the staff were
considering the very important question as to whether they should
have their cups of coffee at once or wait for another halfhour, when,
with the suddenness of a quick change of scenery at a well-managed
theatre, the swingdoors were flung open and the bank was filled to
overflowing with an eager crowd, crushing one another against the
mahogany counters in their endeavours to reach the stand of the
cashier.Panic-stricken
were the faces at which the cashier looked up from his half-finished
letter—faces that communicated their panic to all who saw them. The
cashier caught it in a moment: he glanced hastily round as if seeking
for a way of escape.The
men and women, perceiving that he had lost his head, became wilder in
their attempts to get opposite his desk. Outside, the crowd, striving
to reach the doors of the bank, had become clamorous. The High Street
of Brackenhurst was in an uproar. The two clerks had ceased to
discuss the great coffee question. They were thinking of their
revolvers.As
the panic-stricken cashier stood looking vacantly into the pale faces
before him, but making no effort to attend to the three men who waved
their cheques across the counter, Mr. Westwood came out of his room
by the side of his solicitor. He was smiling as he shook hands and
said goodbye. There was an instantaneous silence in the place."We
shall see you at the cricket match on Saturday," were the words
that came through the silence from Mr. Westwood, as he shook hands
with the other man. "If the weather continues like this it will
be a batsman's day."He
waved his hand as the solicitor went out into the crowd. The crowd
that had been almost clamorous a minute before were now breathless
with astonishment. They stared at the man who, when ruin was in the
air, was talking of cricket. A batsman's day! A batsman's day! What
did it mean? What manner of man was this who could talk quietly of a
batsman's day when over his head the sword of Damocles was hanging?The
silence was unnatural; it became terrifying. Every one watched Mr.
Westwood as he walked round to where the cashier was standing. He
paid no attention to the clerk, but glancing across the counter,
nodded pleasantly to one of the men who had been waving the cheques,
like pink flags, in the direction of the desk."Good
day, Mr. Simons," said he. "What a dry spell we are having.
They talk of the good old-fashioned summers—how is it you are not
being attended to?" He turned to the cashier. "Come, Mr.
Calmour, if you please; I fear I must ask you to stir yourself; it's
likely to be a busy day. You want a cheque cashed, Mr. Simons?
Certainly. You also have your cheque, Mr. Thorburn, and you, Mrs.
Langley?""We
want our money, sir," said Mrs. Langley. She was a tall, bony
lady, who had been the first to enter the bank. She was the principal
of the Ladies' Collegiate School."So
I understand, my dear lady," said Mr. Westwood. "You shall
have every penny of your money."From
every part of the crowd hands were thrust, each waving a pink cheque.
The people were no longer silent. One or two men of those nearest to
Mr. W'estwood nodded to him. One made a sort of apology for asking
for his balance at once—a sudden demand from a creditor compelled
him to do so, he said, with a very weak smile. Another hoped Mr.
Westwood's pheasants promised well. But beyond these actors were men
with staring eyes, women with white faces become haggard within a few
minutes, small tradesmen bareheaded and still wearing their aprons,
artisans who had saved a few pounds and had placed all in the keeping
of the bank, clergymen as anxious to draw their balance as their
churchwardens, and painfully surprised that their parishioners should
decline to give away to them in the common struggle to reach the
counters.The
banker ceased to smile as he glanced across the crowd. He turned to
the cashier, who had already got into action, so to speak, and was
noting cheques preparatory to paying them."We
shall have a busy hour or two, Mr. Calmour," the head of the
firm was heard to say. "Pay away all your gold without the delay
of a moment. I shall bring you another ten thousand from the strong
room."One
could almost hear the sigh of relief that passed round the crowd as
Mr. Westwood hurried into his own room. Two clerks had come to the
cashier's desk bringing their books with them, and now the three
members of the staff were hard at work, paying away gold in exchange
for cheques. Within the space of a few minutes the bank porter,
followed by Mr. Westwood, entered the cashier's cubicle staggering
beneath the weight of turn large leathern bags, strapped and sealed.
He threw them on the counter with a dull crash—the sweetest music
known to the sons of men—and to the daughters of men as well—the
crash of minted gold.Mr.
Westwood broke the seals of one, and in view of every one who had
managed to crush near enough to see, sent a glittering stream of
yellow gold flowing from the mouth of the bag into the cashier's
till. He pressed the sovereigns and halfsovereigns flat with his hand
and continued pouring until the receptacle could hold no more. Then
he laid the bag, still half-full, in a deep drawer, and by its side
he placed the second bag with the seal still unbroken.This
second bag was apparently even heavier than the first, for Mr.
Westwood had to put forth all his strength to lift it from the
counter to the drawer. An hour afterwards one of the clerks was able
to lift it between his finger and thumb, and was astonished beyond
measure at Mr. Westwood's cleverness in suggesting to the clamorous
crowd that the second bag was like the first, full of gold, when it
was quite empty.But
when the business of replenishing the cashier's till had been gone
through, Mr. Westwood retired to watch the operations incidental to
the cashing of the cheques. The technique of the transaction was much
more tedious than it usually was; for as every cheque presented was
drawn for the balance of an account, the cashier had to verify the
figures, which involved the working out of two sums in compound
addition, whereas the normal work of cashing a cheque required only a
glance at the figures. Rapidly though the cashier now made his
calculations, several minutes were still occupied in comparing the
figures, and in more than one instance it was found that the drawer
of the cheque had made a mistake in his addition through his haste in
writing up his pass-book. It became perfectly plain to every one,
especially those applicants who were still very far in the
background, that only a small proportion of the cheques could be paid
up to the time of the bank closing its doors.Dissatisfied
murmurs filled the office; outside there was a clamour of many
voices.At
this point Mr. Westwood came forward."It
is quite plain, ladies and gentlemen," said he, addressing the
crowd, "that at the present rate of cashing your cheques, not a
tenth of you can be satisfied to-day. I will therefore instruct my
cashier to give you gold for your cheques without going too closely
into the exact balance. I will trust to the honour of the customers
of the bank to make good to-morrow any error they have made in their
figures, and I have also given instructions for the doors of the bank
to remain open an hour longer than usual."There
was a distinct brightening of faces in the neighbourhood of the
cashier's desk, and a cheer came from the people beyond. It was plain
that the production of the bag of gold and the dummy bag had done
much to allay the panic, but it was also plain that the confidence
shown by Mr. Westwood in the resources of the bank to meet the
severest strain, had done much more than his adroit handling of the
gold to restore the shaken trust of his customers. Fully a dozen men
pushed their cheques into their pockets and left the bank.Their
departure, however, only served to make room for the entrance of an
equal number of the crowd who had not been able to crush their way
into the bank previously.Mr.
Westwood leant across the counter and chatted with one of the
tradesmen who had been in the front rank of those who wished to draw
out their balance. He now said to the banker that he had come to make
an inquiry about a bill of his drawn upon a trader in a neighbouring
town; he was anxious to know if it had been honoured. The bill clerk
had given him the information, and now he was doing his best to
respond to the friendly chat of Mr. Westwood.Some
clever people who watched these intervals of comedy in the course of
the tragedy which they believed was being enacted, said that Mr.
Westwood had nerves of steel. Others of the visitors to the bank, not
being clever enough to perceive that Mr. Westwood was acting a part
with great ability, felt that they were fools in doubting the
solvency of a concern the head of which could treat such an incident
as a run on his bank as an everyday matter. They did not press
forward with their cheques. They pocketed their cheques and looked
ashamed.Mr.
Westwood would have been greatly disappointed if they had continued
to press forward. He had been a good friend to many of them. He knew
that they would not have the courage to draw their balances under his
very eyes, as if they believed him to be a rogue.And
then his personal attendant came to tell him that his midday cup of
coffee awaited him, and he said a word about Saturday's cricket match
to the tradesmen before nodding good-bye. Before returning to his
private room, however, he stood beside the cashier for a moment, and
his smile changed to a slight frown."Oh,
Mr. Calmour, can you not contrive to be a little more expeditious?"
he said. "We shall never get through all the business in the
time if you are not a trifle quicker. Could not Mr. Combes make up
rouleaux of ten and twenty sovereigns so as to have them ready for
you to distribute? Come, Mr. Combes, stir yourself. Every cheque must
be paid within the next hour."Mr.
Combes stirred himself—so did Mr. Calmour—yes, for a short time;
then it seemed that he shovelled out the sovereigns with more
deliberation than ever; for he had felt Mr. Westwood's toe pressing
upon one of his own as he had given him that admonition to be more
expeditious. The cashier had long ago recovered his wits. He was well
aware of the fact that, although Mr. Westwood's style was calculated
to allay distrust, yet every minute's delay might mean hundreds of
pounds saved to the bank. He understood his business, and that was
why he thought it prudent to count one of the piles of sovereigns
passed to him by his assistant, young Mr. Combes, and to declare with
some heat that it was a sovereign short, a proceeding that
necessitated a second count, and the passing of the rouleaux back to
the clerk.And
this waste of time—this precious waste of time that went to save an
old-established house from ruin—was watched by Richard Westwood
from a clear corner half an inch in diameter in the stainedglass
window of his private room door. He was not drinking his coffee. The
cup, with a liqueur of cognac, stood on his desk untouched. He had
fallen on his knees below the glass of his door, not to pray—though
a prayer was in his heart—but in order to get his eye opposite that
little clear space, which enabled him to observe, without being
observed, all that went on outside.He
made up his mind that if his cashier only wasted enough time to save
the bank he would give him an increase in salary from that very day.He
returned to the public office munching a biscuit, in less than half
an hour; and he saw that once more his affectation of unconcern was
producing a good impression. While he was absent there had been a
good deal of noise in the public office. Men who had just entered
were shouldering women aside in their anxiety to reach the cashier,
and the women—some of them ladies—had not hesitated to call them
blackguards and rowdies—so shockingly demoralised had they become
in the race for their gold. Half a dozen police constables entered
the public office, but not in time to prevent a serious altercation.The
nonchalance of Richard Westwood when he once more appeared caused the
newcomers to stare. How could he continue munching a biscuit if his
business was at the point of falling to pieces? "Men do not
munch biscuits when they know themselves to be on the brink of a
precipice," the people were saying.And
then there came a sadden shriek from a lady who was fainting; and
when she was carried out, there came a shrill cry from another who,
with a wild face and staring eyes, declared that her pocket had been
picked. She stood shrieking as if she had lost her reason with her
purse, and then she clutched the man nearest to her by his collar,
accusing him of having robbed her. A couple of constables struggled
through the crowd until they got beside her, and Mr. Westwood leaped
over the counter and pushed his way toward her.He
hoped that a few more exciting incidents would occur within the hour;
every incident meant a certain amount of confusion and, consequently,
delay in the cashing of cheques. Delay meant the saving of the bank
from utter ruin.He
was disappointed in this one promising case: before he had reached
the woman a constable had found in her own hand the money which she
accused the man of stealing. She had never loosed her hold upon it,
though with the other hand she still clutched the unfortunate man's
collar, and could with difficulty be persuaded to relax her grasp,
protesting that the constables were in a conspiracy to rob her. She
was forced into the street in a condition bordering upon insanity.The
atmosphere had become charged with excitement as a cloud becomes
charged with electricity, and in a few minutes some other women were
crying out that they had been robbed. Richard Westwood was becoming
more hopeful, though he saw with regret that, in front of the
cashier, there were a dozen stolid tradesmen, every one of whom had a
balance of at least a thousand pounds. They were waiting their turn
at the desk with complete indifference to the scenes that were being
enacted behind them. Within half an hour twelve thousand pounds would
be paid away, Richard Westwood perceived. His only hope was that the
panic would be diverted into another channel—that the fools who had
lost their heads over their money might go on accusing one
another—accusing the constables—accusing any one. In such
circumstances the police might insist on the doors of the bank being
closed at the usual hour—nay, even before the usual hour.But
while he was pretending to be exerting himself with a view to
reassure a frantic lady, who declared that she had been robbed of a
hundred pounds, though she had never been half-a-dozen yards from the
entrance, and had consequently not received a penny from the cashier,
the swing doors were flung wide, and a lady with a young man by her
side stepped out of the porch and looked about her. Richard Westwood
saw her, and his face, for the first time, became grave.Then
the lady—she was a handsome woman, tall and dignified—gave a
laugh, and in a moment there was silence in the place where all had
been noise and confusion. All eyes were turned toward the newcomers."Great
Scott!" cried the young man—he was perhaps a few years over
twenty, and he bore a strong likeness to the lady, who was certainly
several years older. "Great Scott! Whats the matter here? Hallo,
Westwood, I hope we don't intrude upon a Court of Sessions. My sister
has come on business, but if you've let the bank"—"If
you have a cheque to be cashed," began Mr. Westwood gravely, "I
shall do my best to"—"But
I haven't a cheque to be cashed," said the lady. "On the
contrary, I have some money to lodge with you; fifteen thousand
pounds—it's too much to have at home; it wouldn't be safe there,
but I know it's perfectly safe here."