de by me in favour of Rupert Hardinge,
Esquire, at ten days, has been left for collection. If so, I am ready to
pay it now."

The cashier gave me a business smile,--one that spoke favourably of my
standing as a moneyed man,--before he answered the question. This smile
was, also, a sign that money was plenty.

"Not absolutely for collection, Captain Wallingford, as nothing would give
us more pleasure than to renew it, if you would just go through the form
of obtaining a city endorser."

"Mr. Hardinge has then left it for collection," I observed, pained, in
spite of all that had passed, at Rupert's giving this conclusive evidence
of the inherent meanness of his character.

"Not exactly for collection, sir," was the cashier's answer, "for, wishing
to anticipate the money, by a few days, and being under the necessity of
leaving town, we discounted it for him."

"Anticipate!--you have discounted the note, sir!"

"With the greatest pleasure, knowing it to be good. Mr. Hardinge remarked
that you had not found it convenient to draw for so large a sum on the
spot, and had given this note at short date; and the consideration having
been received in full, he was desirous of being put in cash, at once. We
did not hesitate, of course."

"Consideration received in full!" escaped me, spite of a determination to
be cool; but, luckily, the appearance of another person on business
prevented the words, or the manner, from being noted. "Well, Mr. Cashier,
I will draw a check, and take up the note, now."

More smiles followed. The check was given; the note was cancelled and
handed to me, and I left the bank with a balance in my favour of rather
more than $10,000, instead of the $30,000 odd, which I had held previously
to entering it. It is true, I was heir at law to all Grace's assets, which
Mr. Hardinge had handed over to me, the morning I left Clawbonny, duly
assigned and transferred. These last consisted of stocks, and of bonds and
mortgages, drawing interest, being on good farms in our own county.

"Well. Miles, what do you mean to do with your ship," demanded Jack
Wallingford, that evening. "I understand the freight for which you
bargained has been transferred to another owner, on account of your late
troubles; and they tell me freights, just now, are not very high."

"Really, cousin Jack, I am hardly prepared to answer the question.
Colonial produce commands high prices in the north of Germany, they tell
me; and, were I in