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Wylie started for London; the military man followed him in the express at 9, and caught him up at Rugby; together they arrived at the station at Euston Square; it was a quarter to three. Wylie hailed a cab, but, before he could struggle through the crowd to reach it, a railway porter threw a portmanteau on its roof, and his military acquaintance took possession of it.

“All right,” said the porter. “What address, sir?”

Wylie did not hear what the gentleman said, but the porter shouted it to the cabman, and then he did hear it.

“No.— Russell Square.”

It was the house of Arthur Wardlaw!

Wylie took off his hat, rubbed his frowzy hair, and gaped after the cab.

He entered another cab, and told the driver to go to “No.— Fenchurch Street.”

It was the office of Wardlaw & Son.

 

CHAPTER XV.

 

OUR scene now changes from the wild ocean and its perils to a snug room in Fenchurch Street, the inner office of Wardlaw & Son: a large apartment, paneled with fine old mellow Spanish oak; and all the furniture in keeping; the carpet, a thick Axminster of sober colors; the chairs of oak and morocco, very substantial; a large office-table, with oaken legs like very columns, substantial; two Milner safes; a globe of unusual size with a handsome tent over it, made of roan leather, figured; the walls hung with long oak boxes, about eight inches broad, containing rolled maps of high quality and great dimensions; to consult which, oaken scepters tipped with brass hooks stood ready. With these the great maps could be drawn down and inspected; and, on being released, flew up into their wooden boxes again. Besides these were hung up a few drawings, representing outlines, and inner sections, of vessels; and, on a smaller table, lay models, almanacs, etc. The great office-table was covered with writing materials and papers, all but a square space inclosed with a little silver rail, and inside that space lay a purple morocco case about ten inches square; it was locked, and contained an exquisite portrait of Helen Rolleston.

This apartment was so situated, and the frames of the plate-glass windows so well made and substantial, that, let a storm blow a thousand ships ashore, it could not be felt, nor heard, in Wardlaw’s inner office.

But appearances are deceitful; and who can wall out a sea of troubles, and the tempests of the mind?

The inmate of that office was battling for his commercial existence, under accumulated difficulties and dangers. Like those who sailed the Proserpine’s longboat, upon that dirty night, which so nearly swamped her, his eye had now to be on every wave, and the sheet forever in his hand.

His measures had been ably taken; but, as will happen when clever men are driven into a corner, he had backed events rather too freely against time; had allowed too slight a margin for unforeseen delays. For instance, he had averaged the Shannon’s previous performances, and had calculated on her arrival too nicely. She was a fortnight overdue, and that delay brought peril.

He had also counted upon getting news of the Proserpine. But not a word had reached Lloyd’s as yet.

At this very crisis came the panic of ‘66. Overend and Gurney broke; and Wardlaw’s experience led him to fear that, sooner or later, there would be a run on every bank in London. Now he had borrowed 80,000 pounds at one bank, and 35,000 pounds at another. And, without his ships, could not possibly pay a quarter of the money. If the banks in question were run upon, and obliged to call in all their resources, his credit must go; and this, in his precarious position, was ruin.

He had concealed his whole condition from his father, by false bookkeeping. Indeed, he had only two confidants in the world; poor old Michael Penfold, and Helen Rolleston’s portrait; and even to these two he made half confidences. He dared not tell either of them all he had done, and all he was going to do.

His redeeming feature was as bright as ever. He still loved Helen Rolleston with a chaste, constant and ardent affection that did him honor. He loved money too well. But he loved Helen better. In all his troubles and worries it was his one consolation to unlock her portrait and gaze on it, and purify his soul for a few minutes. Sometimes he would apologize to it for an act of doubtful morality. “How can I risk the loss of you?” was his favorite excuse. No. He must have credit. He must have money. She must not suffer by his past imprudences. They must be repaired at any cost—for her sake.

It was ten o’clock in the morning. Mr. Penfold was sorting the letters for his employer, when a buxom young woman rushed into the outer office crying, “Oh, Mr. Penfold!” and sank into a chair breathless.

“Dear heart! what is the matter now?” said the old gentleman.

“I have had a dream, sir. I dreamed I saw Joe Wylie out on the seas, in a boat; and the wind it was a blowing and the sea a roaring to that degree as Joe looked at me, and says he, ‘Pray for me, Nancy Rouse.’ So I says, ‘Oh, dear Joe, what is the matter? and what ever is become of the Proserpine?’

“‘Gone to Hell!’ says he. Which he knows I object to foul language. ‘Gone—there—’ says he, ‘and I am sailing in her wake. Oh, pray for me, Nancy Rouse!’ With that, I tries to pray in my dream, and screams instead, and wakes myself. Oh, Mr. Penfold, do tell me, have you got any news of the Proserpine this morning?”

“What is that to you?” inquired Arthur Wardlaw, who had entered just in time to hear this last query.

“What is it to me!” cried Nancy, firing up; “it is more to me, perhaps, than it is to you, for that matter.”

Penfold explained, timidly, “Sir, Mrs. Rouse is my landlady.”

“Which I have never been to church with any man yet of the name of Rouse, leastways, not in my waking hours,” edged in the lady.

“Miss Rouse, I should say,” said Penfold, apologizing. “I beg pardon, but I thought Mrs. might sound better in a landlady. Please, sir, Mr. Wylie, the mate of the Proserpine, is her—her—sweetheart.”

“Not he. Leastways, he is only on trial, after a manner.”

“Of course, sir—only after a manner,” added Penfold, sadly perplexed. “Miss Rouse is incapable of anything else. But, if you please, m’m, I don’t presume to know the exact relation;” and then with great reserve, “but you know you are anxious about him.”

Miss Rouse sniffed, and threw her nose in the air—as if to throw a doubt even on that view of the matter.

“Well, madam,” says Wardlaw, “I am sorry to say I can give you no information. I share your anxiety, for I have got 160,000 pounds of gold in the ship. You might inquire at Lloyd’s. Direct her there, Mr. Penfold, and bring me my letters.”

With this he entered his inner office, sat down, took out a golden key, opened the portrait of Helen, gazed at it, kissed it, uttered a deep sigh, and prepared to face the troubles of the day.

Penfold brought in a leathern case, like an enormous bill-book. It had thirty vertical compartments; and the names of various cities and seaports, with which Wardlaw & Son did business, were printed in gold letters on some of these compartments; on others the names of persons; and on two compartments the word “Miscellaneous.” Michael brought this machine in, filled with a correspondence enough to break a man’s heart to look at.

This was one of the consequences of Wardlaw’s position. He durst not let his correspondence be read, and filtered, in the outer office. He opened the whole mass; sent some back into the outer office; then touched a handbell, and a man emerged from the small apartment adjoining his own. This was Mr. Atkins, his shorthand writer. He dictated to this man some twenty letters, which were taken down in shorthand; the man retired to copy them, and write them out in duplicate from his own notes, and this reduced the number to seven. These Wardlaw sat down to write himself, and lock up the copies.

While he was writing them, he received a visitor or two, whom he dispatched as quickly as his letters.

He was writing his last letter, when he heard in the outer office a voice he thought he knew. He got up and listened. It was so. Of all the voices in the city, this was the one it most dismayed him to hear in his office at the present crisis.

He listened on, and satisfied himself that a fatal blow was coming. He then walked quietly to his table, seated himself, and prepared to receive the stroke with external composure.

Penfold announced, “Mr. Burtenshaw.”

“Show him in,” said Wardlaw quietly.

Mr. Burtenshaw, one of the managers of Morland’s bank, came in, and Wardlaw motioned him courteously to a chair, while he finished his letter, which took only a few moments.

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 assure 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

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