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busy man; and I'm a busy man," said the stentorian man breathlessly. "I've just bought this property, and if it doesn't interest you I'll eat my hat! My motto is small profits and quick returns. Keep your money at work, and you won't have to. Do you see what I mean?"

"Dear old hurricane," said Bones feebly, "this is awfully interesting, and all that sort of thing, but would you be so kind as to explain why and where—why you came in in this perfectly informal manner? Against all the rules of my office, dear old thing, if you don't mind me snubbing you a bit. You are sure you aren't hurt?" he asked.

"Not a bit, not a bit!" bellowed the intruder. "Honest John, I am—John Staines. You have heard of me?"

"I have," said Bones, and the visitor was so surprised that he showed it.

"You have?" he said, not without a hint of incredulity.

"Yes," said Bones calmly. "Yes, I have just heard you say it, Honest
John Staines. Any relation to John o' Gaunt?"

This made the visitor look up sharply.

"Ha, ha!" he said, his laugh lacking sincerity. "You're a bit of a joker, Mr. Tibbetts. Now, what do you say to this? This is Stivvins' Wharf and Warehouse. Came into the market on Saturday, and I bought it on Saturday. The only river frontage which is vacant between Greenwich and Gravesend. Stivvins, precious metal refiner, went broke in the War, as you may have heard. Now, I am a man of few words and admittedly a speculator. I bought this property for fifteen thousand pounds. Show me a profit of five thousand pounds and it's yours."

Before Bones could speak, he stopped him with a gesture.

"Let me tell you this: if you like to sit on that property for a month, you'll make a sheer profit of twenty thousand pounds. You can afford to do it—I can't. I tell you there isn't a vacant wharfage between Greenwich and Gravesend, and here you have a warehouse with thirty thousand feet of floor-space, derricks—derrick, named after the hangman of that name: I'll bet you didn't know that?—cranes, everything in—— Well, it's not in apple-pie order," he admitted, "but it won't take much to make it so. What do you say?"

Bones started violently.

"Excuse me, old speaker, I was thinking of something else. Do you mind saying that all over again?"

Honest John Staines swallowed something and repeated his proposition.

Bones shook his head violently.

"Nothing doing!" he said. "Wharves and ships—no!"

But Honest John was not the kind that accepts refusal without protest.

"What I'll do," said he confidentially, "is this: I'll leave the matter for twenty-four hours in your hands."

"No, go, my reliable old wharf-seller," said Bones. "I never go up the river under any possible circumstances—— By Jove, I've got an idea!"

He brought his knuckly fist down upon the unoffending desk, and Honest
John watched hopefully.

"Now, if—yes, it's an idea!"

Bones seized paper, and his long-feathered quill squeaked violently.

"That's it—a thousand members at ten pounds a year, four hundred bedrooms at, say, ten shillings a night—— How many is four hundred times ten shillings multiplied by three hundred and sixty-five? Well, let's say twenty thousand pounds. That's it! A club!"

"A club?" said Honest John blankly.

"A river club. You said Greenhithe—that's somewhere near Henley, isn't it?"

Honest John sighed.

"No, sir," he said gently, "it's in the other direction—toward the sea."

Bones dropped his pen and pinched his lip in an effort of memory.

"Is it? Now, where was I thinking about? I know—Maidenhead! Is it near Maidenhead?"

"It's in the opposite direction from London," said the perspiring Mr.
Staines.

"Oh!"

Bones's interest evaporated.

"No good to me, my old speculator. Wharves! Bah!"

He shook his head violently, and Mr. Staines aroused himself.

"I'll tell you what I'll do, Mr. Tibbetts," he said simply; "I'll leave the plans with you. I'm going down into the country for a night. Think it over. I'll call to-morrow afternoon."

Bones still shook his head.

"No go, nothin' doin'. Finish this palaver, dear old Honesty!"

"Anyway, no harm is done," urged Mr. Staines. "I ask you, is there any harm done? You have the option for twenty-four hours. I'll roll the plans up so that they won't be in the way. Good morning!"

He was out of the office door before Bones could as much as deliver the preamble to the stern refusal he was preparing.

At three o'clock that afternoon came two visitors. They sent in a card bearing the name of a very important Woking firm of land agents, and they themselves were not without dignity of bearing.

There was a stout gentleman and a thin gentleman, and they tiptoed into the presence of Bones with a hint of reverence which was not displeasing.

"We have come on a rather important matter," said the thin gentleman.
"We understand you have this day purchased Stivvins' Wharf——"

"Staines had no right to sell it?" burst in the stout man explosively. "A dirty mean trick, after all that he promised us! It is just his way of getting revenge, selling the property to a stranger!"

"Mr. Sole"—the thin gentleman's voice and attitude were eloquent of reproof—"please restrain yourself! My partner is annoyed," he explained "and not without reason. We offered fifty thousand pounds for Stivvins', and Staines, in sheer malice, has sold the property—which is virtually necessary to our client—literally behind our backs. Now, Mr. Tibbetts, are you prepared to make a little profit and transfer the property to us?"

"But——" began Bones.

"We will give you sixty thousand," said the explosive man. "Take it or leave it—sixty thousand."

"But, my dear old Boniface," protested Bones, "I haven't bought the property—really and truly I haven't. Jolly old Staines wanted me to buy it, but I assure you I didn't."

The stout man looked at him with glazed eyes, pulled himself together, and suggested huskily:

"Perhaps you will buy it—at his price—and transfer it to us?"

"But why? Nothing to do with me, my old estate agent and auctioneer.
Buy it yourself. Good afternoon. Good afternoon!"

He ushered them out in a cloud of genial commonplaces.

In the street they looked at one another, and then beckoned Mr.
Staines, who was waiting on the other side of the road.

"This fellow is either as wide as Broad Street or he's a babe in arms," said the explosive man huskily.

"Didn't he fall?" asked the anxious Staines.

"Not noticeably," said the thin man. "This is your scheme, Jack, and if I've dropped four thousand over that wharf, there's going to be trouble."

Mr. Staines looked very serious.

"Give him the day," he begged. "I'll try him to-morrow—I haven't lost faith in that lad."

As for Bones, he made an entry in his secret ledger.

"A person called Stains and two perrsons called Sole Bros. Brothers tryed me with the old Fiddle Trick. You take a Fiddel in a Pawn Brokers leave it with him along comes another Felow and pretends its a Stadivarious Stradivarious a valuable Fiddel. 2nd Felow offers to pay fablous sum pawnbroker says I'll see. When 1st felow comes for his fiddel pawnbroker buys it at fablous sum to sell it to the 2nd felow. But 2nd felow doesn't turn up.

"Note.—1st Felow called himself Honest John!! I dout if I dought it."

Bones finished his entries, locked away his ledger, and crossed the floor to the door of the outer office.

He knocked respectfully, and a voice bade him come in.

It is not usual for the principal of a business to knock respectfully or otherwise on the door of the outer office, but then it is not usual for an outer office to house a secretary of such transcendental qualities, virtue, and beauty as were contained in the person of Miss Marguerite Whitland.

The girl half turned to the door and flashed a smile which was of welcome and reproof.

"Please, Mr. Tibbetts," she pleaded, "do not knock at my door. Don't you realize that it isn't done?"

"Dear old Marguerite," said Bones solemnly, "a new era has dawned in the City. As jolly old Confusicus says: 'The moving finger writes, and that's all about it.' Will you deign to honour me with your presence in my sanctorum, and may I again beg of you"—he leant his bony knuckles on the ornate desk which he had provided for her, and looked down upon her soberly—"may I again ask you, dear old miss, to let me change offices? It's a little thing, dear old miss. I'm never, never goin' to ask you to dinner again, but this is another matter. I am out of my element in such a place as——" He waved his hand disparagingly towards his sanctum. "I'm a rough old adventurer, used to sleeping in the snow—hardships—I can sleep anywhere."

"Anyway, you're not supposed to sleep in the office," smiled the girl, rising.

Bones pushed open the door for her, bowed as she passed, and followed her. He drew a chair up to the desk, and she sat down without further protest, because she had come to know that his attentions, his extravagant politeness and violent courtesies, signified no more than was apparent—namely, that he was a great cavalier at heart.

"I think you ought to know," he said gravely, "that an attempt was made this morning to rob me of umpteen pounds."

"To rob you?" said the startled girl.

"To rob me," said Bones, with relish. "A dastardly plot, happily frustrated by the ingenuity of the intended victim. I don't want to boast, dear old miss. Nothing is farther from my thoughts or wishes, but what's more natural when a fellow is offered a——"

He stopped and frowned.

"Yes?"

"A precious metal refiner's—— That's rum," said Bones.

"Rum?" repeated the girl hazily. "What is rum?"

"Of all the rummy old coincidences," said Bones, with restrained and hollow enthusiasm—"why, only this morning I was reading in Twiddly Bits, a ripping little paper, dear old miss—— There's a column called 'Things You Ought to Know,' which is honestly worth the twopence."

"I know it," said the girl curiously. "But what did you read?"

"It was an article called 'Fortunes Made in Old Iron,'" said Bones.
"Now, suppose this naughty old refiner—— By Jove, it's an idea!"

He paced the room energetically, changing the aspect of his face with great rapidity, as wandering thoughts crowded in upon him and vast possibilities shook their alluring banners upon the pleasant scene he conjured. Suddenly he pulled himself together, shot out his cuffs, opened and closed all the drawers of his desk as though seeking something—he found it where he had left it, hanging on a peg behind the door, and put it on—and said with great determination and briskness:

"Stivvins' Wharf, Greenhithe. You will accompany me. Bring your note-book. It is not necessary to bring a typewriter. I will arrange for a taxicab. We can do the journey in two hours."

"But where are you going?" asked the startled girl.

"To Stivvins'. I am going to look at this place. There is a possibility that certain things have been overlooked. Never lose an opportunity, dear old miss. We magnates make our fortune by never ignoring the little things."

But still she demurred, being a very sane, intelligent girl, with an imagination which produced no more alluring mental picture than a cold and draughty drive, a colder and draughtier and even more depressing inspection of a ruined factory, and such small matters as a lost lunch.

But Bones was out of the room, in the street, had flung himself upon a hesitant taxi-driver, had bullied and cajoled him to take a monstrous and undreamt-of journey for a man who, by his own admission, had only sufficient petrol to get his taxi home, and when the girl came down she found Bones, with his arm entwined through the open window of the door, giving explicit instructions as to the point on the river where Stivvins' Wharf was to be found.

II

Bones returned to his office

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