It was with a firmer tread that Clement went back to his desk in the bank. He had pleased his father and he was pleased with himself. Here at last was something to do. Here at last was something to fight. Here at last was mettle in the banking business that suited him; and not a mere counting of figures and reckoning of pennies, and taking in at four per cent. and putting out at eight. His gaze, passing over the ledger that lay before him, focussed itself on the unconscious customers beyond the counter. He had the air of challenging them, of defying them. They were the enemy. It was their folly, their greed, their selfishness, their insensate desire to save themselves, let who would perish, that menaced the bank, that threatened the security, the well-being, the happiness of better men. It was a battle and they were the enemy. He scowled at them. Supposing them to have sense, patience, unselfishness, there would be no battle and no danger. But he knew that they had it not in them. No, they would rush in at the first alarm, like a flock of silly sheep, and thrusting and pushing and trampling one another down, would run, each bent on his own safety, blindly on ruin.

From this moment the bank became to him a place of interest and color, instead of that which it had been. Where there was danger there was romance. Even Rodd, adding up a customer's pass-book, his face more thoughtful than usual, wore a halo, for he stood in peril. If the shutters went up Rodd would suffer with his betters. He would lose his place, he would be thrown on the world. He would lose, too, the trifle which he had on deposit in the bank. And even Rodd might have his plans and aims and ambitions, might be hoping for a rise, might be looking to marry some day--and some one!

Pheugh! Clement's mouth opened, he stared aghast--stared at the wire blind that obscured the lower half of the nearer window, as if all his faculties were absorbed in reading the familiar legend, KNAB S'NOTGNIVO, that showed darkly upon it. Customers, Rodd, the bank, all vanished. For he had forgotten! He had forgotten Josina! In contemplating what was exciting in the struggle before him he had forgotten that his stake was greater than the stake of others--that it was immeasurably greater. For it was Josina. He stood far enough below her as it was, separated from her by a height of pride and prejudice and convention, which he must scale if he would reach her. But he had one point in his favor--as things were. His father was wealthy, and standing a-tiptoe on his father's money-bags he might possibly aspire to her hand. So uplifted, so advantaged he might hope to grasp that hand, and in the end, by boldness and resolution, to make it his own.

That was the position as long as all went well at the bank: and it was a position difficult enough. But if the money-bags crumbled and sank beneath his feet? If in the crisis that was coming they toppled over, and his father failed, as he might fail? If he lost the footing, the one footing that money now gave him? Then her hand would be altogether out of his reach, she would be far above him. He could not hope to reach her, could not hope to gain her, could not in honor even aspire to her?

He saw that now. His stake was Josina, and the battle lost, he lost Josina. He had been brave enough until he thought of that, reckless even, welcoming the trumpet call. But seeing that, and seeing it suddenly, he groaned.

The sound recalled him to himself, and he winced, remembering his father's injunction to show a cheerful front. That he should have failed so soon! He looked guiltily at Arthur. Had he heard?

But Arthur had not heard. He was standing at a desk attached to the wall, his back towards Clement, his side-face to the window. He had not heard, because his thoughts had been elsewhere, and strange to say, the subject which had engaged them had been also Josina. The banker's warning had been a sharp blow to him. He was practical. He prided himself on the quality, and he foresaw no pleasure in a contest in which the success that was his be-all and end-all would be hazarded.

True, his mercurial spirit had already begun to rise, and with every minute he leant more and more to the opinion that the alarm was groundless. He thought that the banker was scaring himself, and seeing bogies where no bogies were--as if forsooth a little fall meant a great catastrophe, or all the customers would leave the bank because Wolley did! But he none the less for that looked abroad. Prudently he reviewed the resources that would remain to him in the event of defeat, and like a cautious general he determined beforehand his line of retreat.

That line was plain. If the bank failed, if a thing so cruel and incredible could happen, he still had Garth. He still had Garth to fall back upon, its lands, its wealth, its position. The bank might go, and Ovington--confound him for the silly mismanagement that had brought things to this!--might go into limbo with it, and Clement and Rodd and the rest of them--after all, it was their native level! But for him, born in the purple, there would still be Garth.

Only he must be quick. He must not lose a day or an hour. If he waited too long, word of the bank's embarrassments might reach the old man, re-awaken his prejudices, warp his mind, and all might be lost. The influence on which he counted for success might cease to be his, and in a moment he might find himself out in the cold. Weakened as the Squire was, it would not be wise to trust too much to the change in him!

No, he must do it at once. He would ride out that very day, and gain, as he did not doubt that he would gain, the Squire's permission to speak to Josina. He would leave no room for accidents, and, setting these aside, he did not doubt the result.

He carried out his intention in spite of some demur on Clement's part, who in his new-born zeal thought that in his father's absence the other ought to remain on the spot. But Arthur had the habit of the upper hand, and with a contemptuous fling at Clement's own truancies, took it now. He was at Garth before sunset of the short November day, and he had not sat in the Squire's room ten minutes before chance gave him the opening he desired.

The old man had been listening to the town news, and apparently had been engrossed in it. But suddenly, he leant forward, and poked Arthur with the end of his stick. "Here do you tell me!" he said. "What ails the girl? I've no eyes, but I've ears, and there's something. What's amiss with her, eh?"

"Do you mean Josina, sir?"

"Who else, man? I asked you what's the matter with her. D'you think I don't know that there is something? I've all my senses but one, thank God, and I can hear if I can't see! What is it?"

Arthur saw in a moment that here was the opportunity, he needed, and he made haste to seize it. "The truth is, sir----" he said with a candor which was attractive. "I was going to speak to you about Josina, I have been wishing to do so for some time."

"Eh? Well?"

"I have said nothing to her. But it is possible that she may be aware of my feelings."

"Oh, that's it, is it?" the Squire said drily. It was impossible to say whether he was pleased or not.

"If I had your permission to speak to her, sir?" Arthur felt, now that he had come to the point, just the amount of nervousness which was becoming. "We have been brought up together, and I don't think that I can be taking you by surprise."

"And you think it will be no surprise to her?"

"Well, sir," modestly, "I think it will not."

"More ways of killing a cat than drowning it, eh? That's it, is it? Haven't spoken, but let her know? And you want my leave?"

"Yes, sir, to ask her to be my wife," Arthur said frankly. "It has been my wish for some time, but I have hesitated. Of course, I am no great match for her, but I am of her blood, and----"

He paused. He did not know what to add, and the Squire did not help him, and for the first time Arthur felt a pang of uneasiness. This was not lessened when the old man asked, "How long has this been going on, eh?"

"Oh, for a long time, sir--on my side," Arthur answered. There was an ominous silence. The Squire might be taking it well or ill--it was impossible to judge. He had not changed his attitude and still sat, leaning forward, his hands on his stick, impenetrable behind his bandages. It struck Arthur that he might have been premature; that he might have put his favor to too high a test. It might have been wiser to work upon Josina, and wait and see how things turned out.

At last. "She'll not go out of this house," the Squire said. And he sighed in a way unusual with him, even when he had been at his worst. "That's understood. There's room for you here, and any brats you may have. That's understood, eh?" sharply.

"Willingly, sir," Arthur answered. A great weight had been lifted from him.

"And you'll take her name, do you hear?"

"Of course, sir. I shall be proud to do so."

The Squire sighed, and again he was silent.

"Then--then I may speak to her, sir?"

"Wait a bit! Wait a bit!" The Squire had more to say, it appeared. "You'll leave the bank, of course?"

Arthur's mind, trained to calculation, reviewed the position. Most heartily he wished--though he thought that Ovington's views were unnecessarily dark--that he could leave the bank. But he could not. The moment when Ovington might have released him, when the cancellation of the articles had been possible, was past. The banker could no longer afford to cancel them, or to lose the five thousand pounds that Arthur had brought in.

He hesitated, and the old man read his hesitation, and was wroth. "You heard what I said?" he growled, and he struck his stick upon the floor. "Do you think I am going to have my daughter's husband counterskipping in Aldersbury? Cheek by jowl with every grocer and linen-draper in the town? Bad enough as it is, bad enough, but when you're Jos's husband--no, by G--d, that's flat! You'll leave the bank, and you'll leave it at once, or you're no son-in-law for me. I'll not have the name of Griffin dragged in the dirt."

Arthur had not anticipated this, though he might easily have foreseen it; and he cursed his folly. He ought to have known that the old question would be raised, and that it would revive the Squire's antagonism. He was like a fox caught in a trap, nay, like a fox that has put its own foot in the trap; and he had no time to give any but a candid answer. "I am afraid, sir," he said. "I mean--I am quite willing to comply with your wishes. But unfortunately there's a difficulty. I am tied to the bank for three years. At the end of three years----"

"Three years be d--d!" In a passion the Squire struck his stick on the floor. "Three years! I'm to sit here for three years while you go in and out, partner with Ovington! Then my answer is, No! No! Do you hear? I'll not have it."

The perspiration stood on Arthur's brow. Here was a débacle! An end, crushing and complete, to all his hopes! Desperately he tried to explain himself and mend matters. "If I could act for myself, sir," he said, "I would leave the bank to-morrow. But the agreement----"

"Agreement? Don't talk to me of agreements! You could ha' helped it!" the Squire snarled. "You could ha' helped it! Only you would go on! You went in against my advice! And for the agreement, who but a fool would ha' signed such an agreement? No, you may go, my lad. As you ha' brewed you may bake! You may go! If I'd known this was going on, I'd not ha' seen so much of you, you may be sure of that! As it is, Good-day! Good-day to you!"

It was indeed a débacle; and Arthur could hardly believe his ears, or that he stood in his own shoes. In a moment, in one moment he had fallen from the height of favor and the pinnacle of influence, and disowned and defeated, he could hardly take in the mischance that had befallen him. Slowly he got to his feet, and as soon as he could master his voice, "I'm grieved, sir," he answered, "more grieved than I, can say, that you should take it like this--when I have no choice. I am sorry for my own sake."

"Ay, ay!" with grim irony. "I can believe that."

"And sorry for Josina's."

He could think of no further plea at the moment--he must wait and hope for the best; and he moved towards the door, cursing his folly, his all but incredible folly, but finding no remedy. His hand was on the latch of the door when "Wait!" the old man said.

Arthur turned and waited; wondering, even hoping. The Squire sat, looking straight before him, if that might be said of a blind man, and presently he sighed............