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While he was sealing it, he half turned to his visitor, and said, "No bad news? Morland's is safe, of course."
"Well," said Burtenshaw, "there is a run upon our bank--a severe one. We could not hope to escape the effects of the panic."
He then, after an uneasy pause, and with apparent reluctance, added, "I am requested by the other directors to a.s.sure you it is their present extremity alone, that-- In short, we are really compelled to beg you to repay the amount advanced to you by the bank."
Wardlaw showed no alarm, but great surprise. This was clever; for he felt great alarm, and no surprise.
"The 81,000 pounds," said he. "Why, that advance was upon the freight of the _Proserpine._ Forty-five thousand ounces of gold. She ought to be here by this time. She is in the Channel at this moment, no doubt."
"Excuse me; she is overdue, and the underwriters uneasy. I have made inquiries."
"At any rate, she is fully insured, and you hold the policies. Besides, the name of Wardlaw on your books should stand for bullion."
Burtenshaw shook his head. "Names are at a discount to-day, sir. We can't pay you down on the counter. Why, our depositors look cross at Bank of England notes."
To an inquiry, half ironical, whether the managers really expected him to find 81,000 pounds cash, at a few hours' notice, Burtenshaw replied, sorrowfully, that they felt for his difficulty while deploring their own; but that, after all, it was a debt. And, in short, if he could find no means of paying it, they must suspend payment for a time, and issue a statement--and--
He hesitated to complete his sentence, and Wardlaw did it for him.
"And ascribe your suspension to my inability to refund this advance?"
said he, bitterly.
"I am afraid that is the construction it will bear."
Wardlaw rose, to intimate he had no more to say.
Burtenshaw, however, was not disposed to go without some clear understanding. "May I say we shall hear from you, sir?"
"Yes."
And so they wished each other good-morning; and Wardlaw sank into his chair.
In that quiet dialogue, ruin had been inflicted and received without any apparent agitation; ay, and worse than ruin--exposure.
Morland's suspension, on account of money lost by Wardlaw & Son, would at once bring old Wardlaw to London, and the affairs of the firm would be investigated, and the son's false system of bookkeeping be discovered.
He sat stupefied awhile, then put on his hat and rushed to his solicitor; on the way, he fell in with a great talker, who told him there was a rumor the _Shannon_ was lost in the Pacific.
At this he nearly fainted in the street; and his friend took him back to his office in a deplorable condition. All this time he had been feigning anxiety about the _Proserpine,_ and concealing his real anxiety about the _Shannon._ To do him justice, he lost sight of everything in the world now but Helen. He sent old Penfold in hot haste to Lloyd's, to inquire for news of the ship; and then he sat down sick at heart; and all he could do now was to open her portrait, and gaze at it through eyes blinded with tears. Even a vague rumor, which he hoped might be false, had driven all his commercial maneuvers out of him, and made all other calamities seem small.
And so they all are small, compared with the death of the creature we love.
While he sat thus, in a stupor of fear and grief, he heard a well-known voice in the outer office; and, next after Burtenshaw's, it was the one that caused him the most apprehension. It was his father's.
Wardlaw senior rarely visited the office now; and this was not his hour.
So Arthur knew something extraordinary had brought him up to town. And he could not doubt that it was the panic, and that he had been to Morland's, or would go there in course of the day; but, indeed, it was more probable that he had already heard something, and was come to investigate.
Wardlaw senior entered the room.
"Good-morning, Arthur," said he. "I've got good news for you."
Arthur was quite startled by an announcement that accorded so little with his expectations.
"Good news--for _me?"_ said he, in a faint, incredulous tone.
"Ay, glorious news! Haven't you been anxious about the _Shannon?_ I have; more anxious than I would own."
Arthur started up. "The _Shannon!_ G.o.d bless you, father."
"She lies at anchor in the Mersey," roared the old man, with all a father's pride at bringing such good news. "Why, the Rollestons will be in London at 2:15. See, here is his telegram."
At this moment in ran Penfold, to tell them that the _Shannon_ was up at Lloyd's, had anch.o.r.ed off Liverpool last night.
There was hearty shaking of hands, and Arthur Wardlaw was the happiest man in London--for a little while.
"Got the telegram at Elmtrees, this morning, and came up by the first express," said Wardlaw senior.
The telegram was from Sir Edward Rolleston. _"Reached Liverpool last night; will be at Euston, two-fifteen."_
"Not a word from _her!"_
"Oh, there was no time to write; and ladies do not use the telegram." He added slyly, "Perhaps she thought coming in person would do as well, or better, eh!"
"But why does he telegraph you instead of me?"
"I am sure I don't know. What does it matter? Yes, I do know. It was settled months ago that he and Helen should come to me at Elmtrees, so I was the proper person to telegraph. I'll go and meet them at the station; there is plenty of time. But, I say, Arthur, have you seen the papers?
Bartley Brothers obliged to wind up. Maple & c.o.x, of Liverpool, gone; Atlantic trading. Terry & Brown suspended, International credit gone. Old friends, some of these. Hopley & Timms, railway contractors, failed, sir; liabilities, seven hundred thousand pounds and more."
"Yes, sir," said Arthur, pompously. "1866 will long be remembered for its revelations of commercial morality."
The old gentleman, on this, asked his son, with excusable vanity, whether he had done ill in steering clear of speculation; he then congratulated him on having listened to good advice and stuck to legitimate business.
"I must say, Arthur," added be, "your books are models for any trading firm."
Arthur winced in secret under this praise, for it occurred to him that in a few days his father would discover those books were all a sham and the accounts a fabrication.
However, the unpleasant topic was soon interrupted, and effectually, too; for Michael looked in, with an air of satisfaction on his benevolent countenance, and said, "Gentlemen, such an arrival! Here is Miss Rouse's sweetheart, that she dreamed was drowned."
"What is the man to me?" said Arthur peevishly. He did not recognize Wylie under that t.i.tle.
"La, Mr. Arthur! why, he is the mate of the _Proserpine,_" said Penfold.
"What! Wylie! Joseph Wylie?" cried Arthur, in a sudden excitement that contrasted strangely with his previous indifference.
"What is that?" cried Wardlaw senior; "the _Proserpine;_ show him in at once."
Now this caused Arthur Wardlaw considerable anxiety; for obvious reasons he did not want his father and this sailor to exchange a word together.
However, that was inevitable now. The door opened; and the bronzed face and st.u.r.dy figure of Wylie, clad in a rough pea-jacket, came slouching in.