Ovington's Bank

Near the door of the bank he met Purslow, and the draper seized his arm. "One moment, sir, excuse me," he whispered. "I've a little more I can spare at a pinch. What do you advise, Mr. Bourdillon?"

Arthur knew that it was not in his province to advise, and he shook his head. "You must ask Mr. Ovington," he said.

"And he that busy that he'll snap my nose off! And you're just from London. Come, Mr. Bourdillon, just for two or three hundred pounds. A good 'un! A real good 'un! I know you know one!"

Arthur gave way. The man's wheedling tone, the sense of power, the ability to confer a favor were too much for him. He named the Antwerp Navigation Company. "But don't stop in too long," he added. And he snatched himself away, and hurried on, and many were those who found his frank eager face irresistible.

As he ploughed his way through the crowd, his head on a level with the tallest, he seemed to be success itself. His careless greeting met everywhere a cheery answer, and more than one threw after him, "There goes the old Squire's nevvy! See him? He's a clever 'un if ever there was one!" They gave him credit for knowing mysteries dark to them, yet withal they owned a link with him. He too belonged to the land. A link with him and some pride in him.

In the parlor where the Board met he had something of the same effect. Sir Charles and Acherley had taken their seats and were talking of county matters, their backs turned on their fellows. Wolley stood before the fire, glowering at them and resenting his exclusion. Grounds sat meekly on a chair within the door. But Arthur's appearance changed all. He had a word or a smile for each. He set Grounds at his ease, he had a joke for Sir Charles and Acherley, he joined Wolley before the fire. Ovington, who had left the room for a moment, noted the change, and his heart warmed to the Secretary. "He will do," he told himself, as he turned to the business of the meeting.

"Come, Mr. Wolley, come, Mr. Grounds," he said, "pull up your chairs, if you please. It has struck twelve and the bank should be open to receive applications at half-past. I conveyed your invitation, gentlemen, to Mr. Purslow two days ago, and I am happy to tell you that he takes two hundred shares, so that over one-third of the capital will be subscribed before we go to the public. I suppose, gentlemen, you would wish him to take his seat at once?"

Sir Charles and Acherley nodded, Wolley looked sullen but said nothing, Grounds submitted. Neither he nor Wolley was over-pleased at sharing with another the honor of sitting with the gentry. But it had to be done. "Bring him in, Bourdillon," Ovington said.

Purslow, who was in waiting, slid into the room and took his seat, between pride and humility. "I have reason to believe, gentlemen," Ovington continued, "that the capital will be subscribed within twenty-four hours. It is for you to say how long the list shall remain open."

"Not too long," said Sir Charles, sapiently.

"Shall I say forty-eight hours? Agreed, gentlemen? Very good. Then a notice to that effect shall be posted outside the bank at once. Will you see to that, Bourdillon?"

"And what of Mr. Griffin?" Wolley blurted out the question before Ovington could restrain him. The clothier was anxious to show Purslow that he was at home in his company.

"To be sure," Ovington answered smoothly. "That is the only point, gentlemen, in which my expectations have not been borne out. The interview between Mr. Griffin and myself was disappointing, but I hoped to be able to tell you to-day that we were a little more forward. Mr. Wolley, however, has handed me a letter which he has received from Garth, and it is certainly-"

"A d-d unpleasant letter," Wolley struck in. "The old Squire don't mince matters." He had predicted that his landlord would not come in, and he was pleased to see his opinion confirmed. "He says I'd better be careful, for if I and my fine railroad come to grief I need not look to him for time. By the Lord," with unction, "I know that, railroad or no railroad! He'd put me out as soon as look at me!"

Sir Charles shuffled his papers uncomfortably. To hear a man like Wolley discuss his landlord shocked him-he felt it a kind of treason to listen to such talk. He feared-he feared more than ever-that the caustic old Squire was thinking him a fool for mixing himself up with this business. Good Heavens, if, after all, it ended in disaster!

Acherley took it differently. He cared nothing for Griffin's opinion; he was in money difficulties and had passed far beyond that. He laughed. "Put you out? I'll swear he would! There's no fool like an old fool! But he won't have the chance."

"No, I think not," Ovington said blandly. "But his attitude presents difficulties, and I am sure that our Chairman will agree with me that if we can meet his views, it will be worth some sacrifice."

"Can't Arthur get round him?" Acherley suggested.

"No," Arthur replied, smiling. "Perhaps if you-"

"Will you see him, Mr. Acherley?"

"Oh, I'll see him!" carelessly. "I don't say I shall persuade him."

"Still, we shall have done what we can to meet his views," the banker replied. "If we fail we must fall back-on my part most reluctantly-on the compulsory clauses. But that is looking ahead, and we need not consider it at present. I don't think that there is anything else? It is close on the half-hour. Will you see, Bourdillon, if all is ready in the bank?"

Arthur went out, leaving the door ajar. There came through the opening a murmur of voices and the noise of shuffling feet. Ovington turned over the papers before him. "In the event of the subscriptions exceeding the sum required, what day will suit you to allot? Thursday, Sir Charles?"

"Friday would suit me better."

"Friday be it then, if Mr. Acherley-good. On Friday at noon, gentlemen. Yes, Bourdillon?"

Arthur did not sit down. He was smiling. "It's something of a sight," he said. "By Jove it is! I think you ought to see it."

Ovington nodded, and they rose, some merely curious, others eager to show themselves in their new role of dignity. Arthur opened the door and stood aside. Beyond the door the cashier's desk with its green curtains formed a screen which masked their presence. Ovington separated the curtains, and Sir Charles and Acherley peeped between them. The others looked round the desk.

The space devoted to the public was full. It hummed with low voices, but above the hum sharp sentences from time to time rang out. "Here, don't push! It's struck, Mr. Rodd! Hand 'em out!" Then, louder than these, a lusty voice bawled, "Here, get out o' my road! I want money for a cheque, man!"

The two clerks were at the counter, with piles of application forms before them and their eyes on the clock. Clement and Rodd stood in the background. The impassive attitude of the four contrasted strikingly with the scene beyond the counter, where eighteen or twenty persons elbowed and pushed one another, their flushed faces eloquent of the spirit of greed. For it had got about that there was easy money and much money to be made out of the Railroad shares-to be made in particular by those who were first in the field. Some looked to make the money by a sale at a premium, others foresaw a profit but hardly knew how it was to come, more had heard of men who had suddenly grown rich, and fancied that this was their chance. They had but to sign a form and pay an instalment, and profit would flow in, they did not care whence. They were certain, indeed, but of one thing, that there was gain in it; and with every moment their number grew, for with every moment a newcomer forced his way, smiling, into the bank. Meantime the crowd gave good-humored vent to their impatience. "Let's have 'em! Hand 'em out!" they murmured. What if there were not enough to go round?

The man with the cheque, hopelessly wedged in, protested. "There, someone hand it on," he cried at last. "And pass me out the money, d-n you! And let me get out of this."

The slip was passed from hand to hand, and "How'll you have it, Mr. Boumphry?" Rodd asked.

"In shares!" cried a wit.

"Notes and a pound in silver," gasped Boumphry, who thought the world had gone mad. "And dunno get on my back, man!" to one behind him. "I'm not a bullock! Here, how'm I to count it when I canna get-"

"A form!" cried a second wit. "Neither can we, farmer! Come, out with 'em, gentlemen. Hullo, Mr. Purslow! That you? Ha' you turned banker?"

The draper, who had showed himself over-confidently, fell back purple with blushes. "Certainly an odd sight," said the banker quietly. "It promises well, I think, Sir Charles."

"Hanged well!" said Acherley.

Sir Charles acquiesced. "Er, I think so," he said. "I certainly think so." But he felt himself a little out of place.

The minute hand touched the half-hour, and the clerks began to distribute the papers. After watching the scene for a moment the Board separated, its members passing out modestly through the house door. They parted on the pavement, even Sir Charles unbending a little and the saturnine Acherley chuckling to himself as visions of fools and fat premiums floated before him. It was a vision which they all shared in their different ways.

Arthur was about to join the workers in the bank when Ovington beckoned him into the dining-room. "You can be spared for a moment," he said. "Come in here. I want to speak to you." He closed the door. "I've been considering the matter I discussed with you some time ago, lad, and I think that the time has come when it should be settled. But you've said nothing about it and I've been wondering if anything was wrong. If so, you had better tell me."

"Well, sir-"

The banker was shrewd. "Is it the money that is the trouble?"

The moment that Arthur had been dreading was come, and he braced himself to meet it. "I'm afraid that there has been some difficulty," he said, "but I think now-"

"Have you given your uncle notice?"

Arthur hesitated. If he avowed that they had not given his uncle notice, how weak, how inept he would appear in the other's eyes! A wave of exasperation shook him, as he saw the strait into which his mother's obstinacy was forcing him. The opportunity which he valued so highly, the opening on which he had staked so much-was he to forfeit them through her folly? No, a hundred times, no! He would not let her ruin him, and, "Yes, we have given it," he said, "but very late, I'm afraid. My mother had her doubts and I had to overcome them. I'm sorry, sir, that there has been this delay."

"But the notice has been given now?"

"Yes."

"Then in three months, as I understand-"

"The money will be ready, sir." He spoke stoutly; the die was cast now, and he must go through with it. After all it was not his fault, but his mother's; and for the rest, if the notice was not already given it should be this very day. "It will be ready in three months, but not earlier, I am afraid."

Ovington reflected. "Well," he said, "that must do. And we won't wait. We will sign the agreement now and it shall take effect from next Monday, the payment to be made within three months. Go through the articles" – he opened his desk and took a paper from it and gave it to Arthur-"and come in with one of the clerks at five o'clock and we will complete it."

Arthur hardly knew what to Bay. "It's uncommonly kind of you, sir!" he stammered. "You may be sure I shall do my best to repay your kindness."

"Well, I like you," the banker rejoined. "And, of course, I see my own advantage in it. So that is settled."

Arthur went out taking the paper with him, but in the passage he paused, his face gloomy. After all it was not too late. He could go back and tell Ovington that his mother-but no, he could not risk the banker's good opinion. His mother must do it. She must do it. He was not going to see the chance of a lifetime wasted-for a silly scruple.

He moved at last, and as he went into the bank he jostled two persons who, sheltered by the cashier's desk, were watching, as the Board had watched a few minutes before, the scene of excitement which the bank presented. The one was Betty, the other was Rodd, the cashier. It had occurred to Rodd that the girl would like to view a thing so unusual, and he had slipped out and fetched her. They faced about, startled by the contact. "Oh, it's you!" said Betty.

"Yes," drily. "What are you doing here, Betty?"

"I came to see the Lottery drawn," she retorted, making a face at him. "Mr. Rodd fetched me. No one else remembered me."

"Well, I should have thought that he-ain't you wanted, Rodd?" There was a new tone in Arthur's voice. "Mr. Clement seems to have his hands full."

Rodd's face reddened under the rebuke. For a moment he seemed about to answer, then he thought better of it. He left them and went to the counter.

"And what would you have thought?" Betty asked pertly, reverting to the sentence that he had not finished.

"Only that Rodd might be better employed-at his work. This is just the job he is fit for, giving out forms."

"And Clement, too, I suppose? It is his job, too?"

"When he's here to do it," with a faint sneer. "That is not too often, Betty."

"Well, more often of late, anyway. Do you know what Mr. Rodd says?"

"No."

"He says that he has seen just such a crowd as this in a bank before. At Manchester seventeen years ago, when he was a boy. There was a run on the bank in which his father worked, and people fought for places as they are fighting to-day. He does not seem to think it-lucky."

"What else does he think?" Arthur retorted with contempt. "What other rubbish? He'd better mind his own business and do his work. He ought to know more than to say such things to you or to anyone."

Betty stared. "Dear me," she replied, "we are high and mighty to-day! Hoity toity!" And turning her shoulder on him, she became absorbed in the scene before her.

But that evening she was more than usually grave, and when her father, pouring out his fourth and last glass of port-for he was an abstemious man-told her that the partnership articles had been signed that afternoon, she nodded. "Yes, I knew," she said sagely.

"How, Betty? I didn't tell you. I have told no one. Did Arthur?"

"No, father, not in so many words. But I guessed it." And during the rest of the evening she was unusually pensive.

CHAPTER IX

Spring was late that year. It was the third week in April before the last streak of snow faded from the hills, or the showers of sleet ceased to starve the land. Morning after morning the Squire tapped his glass and looked abroad for fine weather. The barley-sowing might wait, but the oats would not wait, and at a time when there should have been abundant grass he was still carrying hay to the racks. The lambs were doing ill.

Morning after morning, with an old caped driving-coat cast about his shoulders and a shabby hunting-cap on his grey head, he would walk down to the little bridge that carried the drive over the stream. There, a gaunt high-shouldered figure, he would stand, looking morosely out over the wet fields. The distant hills were clothed in mist, the nearer heights wore light caps, down the vale the clear rain-soaked air showed sombre woods and red soil, with here and there a lop-sided elm, bursting into bud, and reddening to match the furrows. "We shall lose one in ten of the lambs," he thought, "and not a sound foot in the flock!"

One morning as he stood there he saw a man turn off the road and come shambling towards him. It was Pugh, the man-of-all-work at the Cottage, and in his disgust at things in general, the Squire cursed him for a lazy rascal. "I suppose they've nothing to do," he growled, "that they send the rogue traipsing the roads at this hour!" Aloud, "What do you want, my man?" he asked.

Pugh quaked under the Squire's hard eyes. "A letter from the mistress, your honor."

"Any answer?"

Reluctantly Pugh gave up the hope of beer with Calamy the butler. "I'd no orders to wait, sir."

"Then off you go! I've all the idlers here I want, my lad."

The Squire had not his glasses with him, and he turned the letter over to no purpose. Returning to his room he could not find them, and the delay aggravated a temper already oppressed by the weather. He shouted for his spectacles, and when Miss Peacock, hurrying nervously to his aid, suggested that they might be in the Prayer Book from which he had read the psalm that morning, he called her a fool. Eventually, it was there that they were found, on which he dismissed her with a flea in her ear. "If you knew they were there, why did you leave them there!" he stormed. "Silly fools women be!"

But when he had read the letter, he neither stormed nor swore. His anger was too deep. Here was folly, indeed, and worse than folly, ingratitude! After all these years, after forty years, during which he had paid them their five per cent. to the day, five per cent. secured as money could not be secured in these harum-scarum days-to demand their pound of flesh and to demand it in this fashion! Without warning, without consulting him, the head of the family! It was enough to make any man swear, and presently he did swear after the manner of the day.

"It's that young fool," he thought. "He's written it and she's signed it. And if they have their way in five years the money will be gone, every farthing, and the woman will come begging to me! But no, madam," with rising passion, "I'll see you farther before I'll pay down a penny to be frittered away by that young jackanapes! I'll go this moment and tell her what I think of her, and see if she's the impudence to face it out!"

He clapped on his hat and seized his cane. But when he had flung the door wide, pride spoke and he paused. No, he would not lower himself, he would not debate it with her. He would take no notice-that, by G-d, was what he would do. The letter should be as if it had not been written, and as to paying the money, why if they dared to go to law he would go all lengths to thwart them! He was like many in that day, violent, obstinate men who had lived all their lives among dependents and could not believe that the law, which they administered to others, applied to them. Occasionally they had a rude awakening.

But the old Squire did not lack a sense of justice, which, obscured in trifles, became apparent in greater matters. This quality came to his rescue now, and as he grew cooler his attitude changed. If the woman, silly and scatterbrained as she was, and led by the nose by that impudent son of hers-if she persisted, she should have the money, and take the consequences. The six thousand was a charge; it must be met if she held to it. Little by little he accustomed himself to the thought. The money must be paid, and to pay it he must sell his cherished securities. He had no more than four hundred, odd-he knew the exact figure-in the bank. The rest must be raised by selling his India Stock, but he hated to think of it. And the demand, made without warning, hurt his pride.

He took his lunch, a hunch of bread and a glass of ale, standing at the sideboard in the dining-room. It was an airy room, panelled, like most of the rooms at Garth, and the pale blue paint, which many a year earlier had been laid on the oak, was dingy and wearing off in places. His den lay behind it. On the farther side of the hall was the drawing-room, white-panelled and spacious, furnished sparsely and stiffly, with spindle-legged tables, and long-backed Stuart chairs set against the wall. It opened into a dull library never used, and containing hardly a book later than Junius' letters or Burke's speeches. Above, under the sloping roofs of the attics, were chests of discarded clothes, wig-boxes and queerly-shaped carriage-trunks, which nowadays would furnish forth a fancy-ball, an old-time collection almost as curious as that which Miss Berry once viewed under the attics of the Villa Pamphili, but dusty, moth-eaten, unregarded, unvalued. Cold and bare, the house owned everywhere the pinch of the Squire's parsimony; there was nothing in it new, and little that was beautiful. But it was large and shadowy, the bedrooms smelled of lavender, the drawing-room of potpourri, and in summer the wind blew through it from the hay-field, and garden scents filled the lower rooms.

An hour later, having determined how he would act, the old man walked across to the Cottage. As he approached the plank-bridge which crossed the river at the foot of the garden he caught a glimpse of a petticoat on the rough lawn. He had no sooner seen it than it vanished, and he was not surprised. His face was grim as he crossed the bridge, and walking up to the side door struck on it with his cane.

She was all of a tremble when she came to him, and for that he was prepared. That did not surprise him. It was due to him. But he expected that she would excuse herself and fib and protest and shift her ground, and pour forth a torrent of silly explanations, as in his experience women always did. But Mrs. Bourdillon took him aback by doing none of these things. She was white-faced and frightened, but, strange thing in a woman, she was dumb, or nearly dumb. Almost all she had to say or would say, almost all that he could draw from her was that it was her letter-yes, it was her letter. She repeated that several times. And she meant it? She meant what she had written? Yes, oh yes, she did. Certainly, she did. It was her letter.

But beyond that she had nothing to say, and at length, harshly, but not as harshly as he had intended, "What do you mean, then," he asked, "to do with the money, ma'am, eh? I suppose you know that much?"

"I am putting it into the bank," she replied, her eyes averted. "Arthur is going-to be taken in."

"Into the bank?" The Squire glared at her. "Into Ovington's?"

"Yes, into Ovington's," she answered, with the courage of despair. "Where he will get twelve per cent. for it." She spoke in the tone of one who repeated a lesson.

He struck the floor with his cane. "And you think that it will be safe there? Safe, ma'am, safe?"

"I hope so," she faltered.

"Hope so, by G-d? Hope so!" he rapped out, honestly amazed. "And that's all. Hope so! Well, all I can say is that I hope you mayn't live to regret your folly. Twelve per cent. indeed! Twelve-"

He was going to say more, but the silly woman burst into tears and wept with such self-abandonment that she fairly silenced him. After watching her a moment, "Well, there, there, ma'am, it's no good crying like that," he said irritably. "But damme, it beats me! It beats me. If that is the way you look at it, why do you do it? Why do you do it? Of course you'll have the money. But when it's gone, don't come to me for more. And don't say I didn't warn you! There, there, ma'am!" moved by her grief, "for heaven's sake don't go on like that! Don't-God bless me, if I live to be a hundred, if I shall ever understand women!"

He went away, routed by her tears and almost as much perplexed as he was enraged. "If the woman feels like that about it, why does she call up the money?" he asked himself. "Hope that it won't be lost! Hope, indeed! No, I'll never understand the silly fools. Never! Hope, indeed! But I suppose that it's that son of hers has befooled her."

He saw, of course, that it was Arthur who had pushed her to it, and his anger against him and against Ovington grew. He would take his balance from Ovington's on the very next market day. He would go back to Dean's, though it meant eating humble pie. He thought of other schemes of vengeance, yet knew that when the time came he would not act upon them.

He was in a savage mood as he crossed the stable-yard at Garth, and unluckily his eye fell upon Thomas, who was seated on a shaft in a corner of the cart-shed. The man espied him at the same moment and hurried away a paper-it looked like a newspaper-over which he had been poring. Now, the Squire hated idleness, but he hated still more to see a newspaper in one of his men's hands. A laborer who could read was, in his opinion, a laborer spoiled, and his wrath blazed up.

"You d-d idle rascal!" he roared, shaking his cane at the man. "That's what you do in my time, is it! Read some blackguard twopenny trash when you should be cleaning harness! Confound you, if I catch you again with a paper, you go that minute! D'you hear? D'you think that that's what I pay you for?"

The worm will turn, and Thomas, who had been spelling out an inspiring speech by one Henry Hunt, did turn. "Pay me? You pay me little enough!" he answered sullenly.