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finally getting ready for bed, Halsey came upstairs and knocked at my door. When I had got into a negligee—I used to say wrapper before Gertrude came back from school—I let him in. He stood in the doorway a moment, and then he went into agonies of silent mirth. I sat down on the side of the bed and waited in severe silence for him to stop, but he only seemed to grow worse.

When he had recovered he took me by the elbow and pulled me in front of the mirror.

“`How to be beautiful,’” he quoted. “`Advice to maids and matrons,’ by Beatrice Fairfax!” And then I saw myself. I had neglected to remove my wrinkle eradicators, and I presume my appearance was odd. I believe that it is a woman’s duty to care for her looks, but it is much like telling a necessary falsehood—one must not be found out. By the time I got them off Halsey was serious again, and I listened to his story.

“Aunt Ray,” he began, extinguishing his cigarette on the back of my ivory hair-brush, “I would give a lot to tell you the whole thing. But—I can’t, for a day or so, anyhow. But one thing I might have told you a long time ago. If you had known it, you would not have suspected me for a moment of—of having anything to do with the attack on Arnold Armstrong. Goodness knows what I might do to a fellow like that, if there was enough provocation, and I had a gun in my hand—under ordinary circumstances. But—I care a great deal about Louise Armstrong, Aunt Ray. I hope to marry her some day. Is it likely I would kill her brother?”

“Her stepbrother,” I corrected. “No, of course, it isn’t likely, or possible. Why didn’t you tell me, Halsey?”

“Well, there were two reasons,” he said slowly.

“One was that you had a girl already picked out for me—”

“Nonsense,” I broke in, and felt myself growing red. I had, indeed, one of the—but no matter.

“And the second reason,” he pursued, “was that the Armstrongs would have none of me.”

I sat bolt upright at that and gasped.

“The Armstrongs!” I repeated. “With old Peter Armstrong driving a stage across the mountains while your grandfather was war governor—”

“Well, of course, the war governor’s dead, and out of the matrimonial market,” Halsey interrupted. “And the present Innes admits himself he isn’t good enough for—for Louise.”

“Exactly,” I said despairingly, “and, of course, you are taken at your own valuation. The Inneses are not always so self-depreciatory.”

“Not always, no,” he said, looking at me with his boyish smile. “Fortunately, Louise doesn’t agree with her family. She’s willing to take me, war governor or no, provided her mother consents. She isn’t overly-fond of her stepfather, but she adores her mother. And now, can’t you see where this thing puts me? Down and out, with all of them.”

“But the whole thing is absurd,” I argued. “And besides, Gertrude’s sworn statement that you left before Arnold Armstrong came would clear you at once.”

Halsey got up and began to pace the room, and the air of cheerfulness dropped like a mask.

“She can’t swear it,” he said finally. “Gertrude’s story was true as far as it went, but she didn’t tell everything. Arnold Armstrong came here at two-thirty—came into the billiard-room and left in five minutes. He came to bring—something.”

“Halsey,” I cried, “you MUST tell me the whole truth. Every time I see a way for you to escape you block it yourself with this wall of mystery. What did he bring?”

“A telegram—for Bailey,” he said. “It came by special messenger from town, and was—most important. Bailey had started for here, and the messenger had gone back to the city. The steward gave it to Arnold, who had been drinking all day and couldn’t sleep, and was going for a stroll in the direction of Sunnyside.”

“And he brought it?”

“Yes.”

“What was in the telegram?”

“I can tell you—as soon as certain things are made public. It is only a matter of days now,” gloomily.

“And Gertrude’s story of a telephone message?”

“Poor Trude!” he half whispered. “Poor loyal little girl! Aunt Ray, there was no such message. No doubt your detective already knows that and discredits all Gertrude told him.”

“And when she went back, it was to get—the telegram?”

“Probably,” Halsey said slowly. “When you get to thinking about it, Aunt Ray, it looks bad for all three of us, doesn’t it? And yet—I will take my oath none of us even inadvertently killed that poor devil.”

I looked at the closed door into Gertrude’s dressing-room, and lowered my voice.

“The same horrible thought keeps recurring to me,” I whispered. “Halsey, Gertrude probably had your revolver: she must have examined it, anyhow, that night. After you—and Jack had gone, what if that ruffian came back, and she—and she—”

I couldn’t finish. Halsey stood looking at me with shut lips.

“She might have heard him fumbling at the door he had no key, the police say—and thinking it was you, or Jack, she admitted him. When she saw her mistake she ran up the stairs, a step or two, and turning, like an animal at bay, she fired.”

Halsey had his hand over my lips before I finished, and in that position we stared each at the other, our stricken glances crossing.

“The revolver—my revolver—thrown into the tulip bed!” he muttered to himself. “Thrown perhaps from an upper window: you say it was buried deep. Her prostration ever since, her—Aunt Ray, you don’t think it was Gertrude who fell down the clothes chute?”

I could only nod my head in a hopeless affirmative.

CHAPTER X THE TRADERS BANK

The morning after Halsey’s return was Tuesday. Arnold Armstrong had been found dead at the foot of the circular staircase at three o’clock on Sunday morning. The funeral services were to be held on Tuesday, and the interment of the body was to be deferred until the Armstrongs arrived from California. No one, I think, was very sorry that Arnold Armstrong was dead, but the manner of his death aroused some sympathy and an enormous amount of curiosity. Mrs. Ogden Fitzhugh, a cousin, took charge of the arrangements, and everything, I believe, was as quiet as possible. I gave Thomas Johnson and Mrs. Watson permission to go into town to pay their last respects to the dead man, but for some reason they did not care to go.

Halsey spent part of the day with Mr. Jamieson, but he said nothing of what happened. He looked grave and anxious, and he had a long conversation with Gertrude late in the afternoon.

Tuesday evening found us quiet, with the quiet that precedes an explosion. Gertrude and Halsey were both gloomy and distraught, and as Liddy had already discovered that some of the china was broken—it is impossible to have any secrets from an old servant—I was not in a pleasant humor myself. Warner brought up the afternoon mail and the evening papers at seven—I was curious to know what the papers said of the murder. We had turned away at least a dozen reporters. But I read over the head-line that ran half-way across the top of the Gazette twice before I comprehended it. Halsey had opened the Chronicle and was staring at it fixedly.

“The Traders’ Bank closes its doors!” was what I read, and then I put down the paper and looked across the table.

“Did you know of this?” I asked Halsey.

“I expected it. But not so soon,” he replied.

“And you?” to Gertrude.

“Jack—told us—something,” Gertrude said faintly. “Oh, Halsey, what can he do now?”

“Jack!” I said scornfully. “Your Jack’s flight is easy enough to explain now. And you helped him, both of you, to get away! You get that from your mother; it isn’t an Innes trait. Do you know that every dollar you have, both of you, is in that bank?”

Gertrude tried to speak, but Halsey stopped her.

“That isn’t all, Gertrude,” he said quietly; “Jack is—under arrest.”

“Under arrest!” Gertrude screamed, and tore the paper out of his hand. She glanced at the heading, then she crumpled the newspaper into a ball and flung it to the floor. While Halsey, looking stricken and white, was trying to smooth it out and read it, Gertrude had dropped her head on the table and was sobbing stormily.

I have the clipping somewhere, but just now I can remember only the essentials.

On the afternoon before, Monday, while the Traders’ Bank was in the rush of closing hour, between two and three, Mr. Jacob Trautman, President of the Pearl Brewing Company, came into the bank to lift a loan. As security for the loan he had deposited some three hundred International Steamship Company 5’s, in total value three hundred thousand dollars. Mr. Trautman went to the loan clerk and, after certain formalities had been gone through, the loan clerk went to the vault. Mr. Trautman, who was a large and genial German, waited for a time, whistling under his breath. The loan clerk did not come back. After an interval, Mr. Trautman saw the loan clerk emerge from the vault and go to the assistant cashier: the two went hurriedly to the vault. A lapse of another ten minutes, and the assistant cashier came out and approached Mr. Trautman. He was noticeably white and trembling. Mr. Trautman was told that through an oversight the bonds had been misplaced, and was asked to return the following morning, when everything would be made all right.

Mr. Trautman, however, was a shrewd business man, and he did not like the appearance of things. He left the bank apparently satisfied, and within thirty minutes he had called up three different members of the Traders’ Board of Directors. At three-thirty there was a hastily convened board meeting, with some stormy scenes, and late in the afternoon a national bank examiner was in possession of the books. The bank had not opened for business on Tuesday.

At twelve-thirty o’clock the Saturday before, as soon as the business of the day was closed, Mr. John Bailey, the cashier of the defunct bank, had taken his hat and departed. During the afternoon he had called up Mr. Aronson, a member of the board, and said he was ill, and might not be at the bank for a day or two. As Bailey was highly thought of, Mr. Aronson merely expressed a regret. From that time until Monday night, when Mr. Bailey had surrendered to the police, little was known of his movements. Some time after one on Saturday he had entered the Western Union office at Cherry and White Streets and had sent two telegrams. He was at the Greenwood Country Club on Saturday night, and appeared unlike himself. It was reported that he would be released under enormous bond, some time that day, Tuesday.

The article closed by saying that while the officers of the bank refused to talk until the examiner had finished his work, it was known that securities aggregating a million and a quarter were missing. Then there was a diatribe on the possibility of such an occurrence; on the folly of a one-man bank, and of a Board of Directors that met only to lunch together and to listen to a brief report from the cashier, and on the poor policy of a government that arranges a three or four-day examination twice a year. The mystery, it insinuated, had not been cleared by the arrest of the cashier. Before now minor officials had been used to cloak the misdeeds of men higher up. Inseparable as the words “speculation” and “peculation” have grown to be, John Bailey was not known to be in the stock market. His only words, after his surrender, had been

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