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On this Skinner got up all in a hurry and offered to go into the office。

;On no account�察─�said Mr。 Hardie sharply。 ;I shall make my business with you the excuse for cutting this love´nonsense mighty short。 Take your book to the desk�察�and seem buried in it。;

He then touched the bell�察�and both confederates fell into an attitude�此�never were a pair so bent over their little accountslies�察�like themselves。

Instead of the heart´broken father their comedy awaited�察�in came the gallant sailor with a brown cheek reddened by triumph and excitement and almost shouted in a genial jocund voice�察 �How d'ye do sir�拭�It is a long time since I came across your hawse。; And with this he held out his hand cordially。 Hardie gave his mechanically�察�and remained on his guard�察�but somewhat puzzled。 Dodd shook his cold hand heartily。 ;Well�察�sir�察�here I am�察�just come ashore�察�and visiting you before my very wife�察�what d'ye think of that�拭�

;I am highly honoured�察�sir�察─�said Hardie�此�then�察�rather stiffly and incredulously�察 �and to what may I owe this extraordinary preference�拭�Will you be good enough to state the purport of this visitbrieflyas Mr。 Skinner and I are much occupied�拭�

;The purport�拭�Why�察�what does one come to a banker about�拭�I have got a lot of money I want to get rid of。;

Hardie stared�察�but was as much on his guard as ever�察�only more and more puzzled。

Then David winked at him with simple cunning�察�took out his knife�察�undid his shirt�察�and began to cut the threads which bound the Cash to his flannel。

At this Skinner wheeled round on his stool to look�察�and both he and Mr。 Hardie inspected the unusual pantomime with demure curiosity。

Dodd next removed the oilskin cover�察�and showed the pocket´book�察�brought it down with a triumphant smack on the hollow of his hand�察�and�察�in the pride of his heart�察�the joy of his bosom and the fever of his bloodfor there were two red spots on his cheek all the timetold the cold pair Its adventures in a few glowing words�此�the Calcutta firmthe two piratesthe hurricanethe wreckthe land´sharkshe had saved it from。 ;And here It is�察�safe in spite of them all。 But I won't carry It on me any more�此�it is unlucky�察�so you must be so good as to take charge of It for me�察�sir。;

;Very well�察�Captain Dodd。 You wish it placed to Mrs。 Dodd's account�察�I suppose�拭�

;No� �no� �I have nothing to do with that�此�this is between you and me。;

;As you please。;

;Ye see it is a good lump�察�sir。;

;Oh�察�indeed� ─�said Hardie a little sneeringly。

;I call it a thundering lot o' money。 But I suppose it is not much to a rich banker like you。; Then he lowered his voice�察�and said with a certain awe�此 �It'sfourteenthousand pounds。;

;Fourteen thousand pounds�。。 ─�cried Hardie。 Then with sudden and consummate coolness�察 �Why�察�certainly an established bank like this deals with more considerable deposits than that。 Skinner�察�why don't you give the Captain a chair�拭�

;No� �no� ─�said Dodd。 ;I'll heave´to till I get this off my mind�察�but I won't anchor anywhere but at home。; He then opened the pocket´book and spread the contents out before Mr。 Hardie�察�who ran over the notes and bills�察�and said the amount was L。 14��010�察�12s。 6d。

Dodd asked for a receipt。

;Why�察�it is not usual when there is an account。;

Dodd's countenance fell�此 �Oh�察�I should not like to part with it unless I had a receipt。;

;You mistake me�察─�said Hardie with a smile。 ;An entry in your banker's book is a receipt。 However�察�you can have one in another form。; He then unlocked a desk�察�took out a banker's receipt�察�and told Skinner to fill it in。 This done�察�he seemed to be absorbed in some more important matter。

Skinner counted the notes and left them with Mr。 Hardie�察�the bills he took to his desk to note them on the back of the receipt。 Whilst he was writing this with his usual slowness and precision�察�poor Dodd's heart overflowed。 ;It is my children's fortune�察�ye see�此�I don't look on a sixpence of it as mine�此�that it is what made me so particular。 It belongs to my little Julia�察�bless her��she is a rosebud if ever there was one�察�and oh� �such a heart�察�and so fond of her poor father�察�but not fonder than he is of herand to my dear boy Edward�察�he is the honestest young chap you ever saw�此�what he says�察�you may swear to with your eyes shut。 But how could they miss either good looks or good hearts�察�and _her_ children�拭�the best wife and the best mother in England。 She has been a true consort to me this many a year�察�and I to her�察�in deep water and shoal�察�let the wind blow high or low。 Here is a Simple Simon vaunting his own flesh and blood� �No wonder that little gentleman there is grinning at me。 Well�察�grin away�察�lad� �perhaps you haven't got any children。 But you have�察�sir�此�and you know how it is with us fathers�察�our hearts are so full of the little darlings�察�out it must come。 You can understand how joyful I feel at saving their fortune from land´sharks and sea´sharks�察�and landing it safe in an honest man's hands like you and your father before you。;

Skinner handed him the receipt。

He cast his eye over it。 ;All right�察�little gentleman。 Now my heart is relieved of such a weight�此�I feel to have just cleared out a cargo of bricks。 Good´bye�此�shake hands。 I wish you were as happy as I am。 I wish all the world was happy。 God bless you� �God bless you both� �

And with this burst he was out of the room and making ardently for Albion Villa。


The banker and his clerk turned round on their seats and eyed one another a long time in silence and amazement。 Was this thing a dream�拭�their faces seemed to ask。 Then Mr。 Hardie rested his senatorial head on his hand and pondered deeply。 Skinner too reflected on this strange freak of Fortune�此�and the result was that he burst in on his principal's reverie with a joyful shout�此 �The bank is saved� �Hardie's is good for another hundred years。

The banker started�察�for Skinner's voice sounded like a pistol´shot in his ear�察�so high strung was he with thought。

;Hush� �hush� ─�he said�察�and pondered again in silence。 At last he turned to Skinner。 ;You think our course is plain�拭�I tell you it is so dark and complicated it would puzzle Solomon to know what is best to be done。;

;Save the bank�察�sir�察�whatever you do。;

;How can I save the bank with a few thousand pounds�察�which I must refund when called on�拭�You look keenly into what is under your eye�察�Skinner�察�but you cannot see a yard beyond your nose。 Let me think。;

After a while he took a sheet of paper�察�and jotted down ;the materials�察─�as he called them�察�and read them out to his accomplice��


;1。 A bank too far gone to be redeemed。 If I throw this money into it�察�I shall ruin Captain Dodd�察�and do myself no good�察�but only my creditors。

;2。 Miss Julia Dodd�察�virtual proprietor of this L。 14��000�察�or of the greater part�察�if I choose。 The child that marries first usually jockeys the other。

;3。 Alfred Hardie�察�my son�察�and my creditor�察�deep in love with No。 2�察�and at present somewhat alienated from me by my thwarting a silly love affair�察�which bids fair to improve into a sound negotiation。

;4。 The L。 14��000 paid to me personally after banking hours�察�and not entered on the banking books�察�nor known but to you and me��


;Now suppose I treat this advance as a personal trust�拭�The bank breaks�此�the money disappears。 Consternation of the Dodds�察�who�察�until enlightened by the public settlement�察�will think it has gone into the well。

;In that interval I talk Alfred over�察�and promise to produce the L。 14��000 intact�察�with my paternal blessing on him and Miss Dodd�察�provided he will release me from my debt to him�察�and give me a life interest in half the money settled on him by my wife's father�察�to my most unjust and insolent exclusion。 Their passion will soon bring the young people to reason�察�and then they will soon melt the old ones。;

Skinner was struck with this masterly little sketch。 But he detected one fatal flaw�此 �You don't say what is to become of me。;

;Oh�察�I haven't thought of that yet。;

;But do think of it�察�sir�察�that I may have the pleasure of co´operating。 It would never do for you and me to be pulling two ways�察�you know。;

;I will not forget you�察─�said Hardie�察�wincing under the chain this little wretch held him with�察�and had jerked him by way of reminder。

;But surely�察�Skinner�察�you agree with me it would be a sin and a shame to rob this honest captain of his moneyfor my creditorscurse them� �Ah� �you are not a father。 How quickly he found that out� �Well�察�I am�察�and he touched me to the quick。 I love my little Jane as dearly as he loves his Julia�察�every bit�此�and I feel for _him。_ And then he put me in mind of my own father�察�poor man。 That seems strange�察�doesn't it�拭�a sailor and a banker。 Ah� �it was because they were both honest men。 Yes�察�it was like a wholesome flower coming into a close room�察�and then out again and heaving a whiff behind was that sailor。 He left the savour of Probity and Simplicity behind�察�though he took the things themselves away again。 Why�察�why couldn't he leave us what is more wanted here than even his money�拭�His integrity�此�the pearl of price�察�that my father�察�whom I used to sneer at�察�carried to his grave�察�and died simple�察�but wise�察�honest�察�but richrich in money�察�in credit�察�in honour�察�and eternal hopes。 Oh�察�Skinner� �Skinner� �I wish I had never been born。;

Skinner was surprised�此�he was not aware that intelligent men who sin are subject to fits of remorse。 Nay�察�more�察�he was frightened�察�for the emotion of this iron man�察�so hard to move�察�was overpowering when it came�此�it did not soften�察�it convulsed him。

;Don't talk so�察�sir�察─�said the little clerk。 ;Keep up your heart� �Have a drop of something。;

;You are right�察─�said Mr。 Hardie gloomily�察 �it is idle to talk�此�we are all the slaves of circumstances。;

With this�察�he unlocked a safe that stood against the wall�察�chucked the L。 14��000 in�察�and shammed the iron door sharply�察�and�察�as it closed upon the Cash with a clang�察�the parlour door burst open as if by concert�察�and David Dodd stood on the threshold�察�looking terrible。 His ruddy colour was all gone�察�and he seemed black and white with anger and anxiety�察�and out of this blanched yet lowering face his eyes glowed like coals�察�and roved keenly to and fro between the banker and the clerk。

A thunder´cloud of a man。



CHAPTER XVII

JAMES MAXLEY came out of the bank that morning with nine hundred and four pounds buttoned up tight in the pocket of his leather breeches�察�a joyful man�察�and so to his work�察�and home at one o'clock to dinner。

At 2 P。M。 he was thoughtful�察�uneasy at 3�察�wretched at 3。30。 He was gardener as well as capitalist�察�and Mr。 Hardie owed him 30s。 for work。 Such is human nature in general�察�and Maxley's in particular�察�that the L。 900 in pocket seemed small�察�and the 30s。 in jeopardy large。

;I can't afford to go with the creditors�察─�argued Maxley�此 �Dividend on 30s。� �Why�察�that will be about thirty pence�此�the change for a hard* half´crown。

*_I。e。_ a half´crown in one piece。

He stuck his spade in the soil and made for his debtor's house。 As he came up the street�察�Dodd shot out of the bank radiant�察�and was about to pass him without notice�察�full of his wife and children�察�but Maxley stopped him with a right cordial welcome�察�and told him he had given them all a fright this time。

;What�察�is it over the town already that my ship has been wrecked�拭─�And

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