ruck the Admiral as far the most
promising, and his wrinkles relaxed, and his frown softened away as
he gazed at it. He folded up the paper rose from the seat, and found
himself face to face with Charles Westmacott.

"Hullo, Admiral!"

"Hullo, Westmacott!" Charles had always been a favorite of the seaman's.
"What are you doing here?"

"Oh, I have been doing a little business for my aunt. But I have never
seen you in London before."

"I hate the place. It smothers me. There's not a breath of clean air on
this side of Greenwich. But maybe you know your way about pretty well in
the City?"

"Well, I know something about it. You see I've never lived very far from
it, and I do a good deal of my aunt's business."

"Maybe you know Bread Street?"

"It is out of Cheapside."

"Well then, how do you steer for it from here? You make me out a course
and I'll keep to it."

"Why, Admiral, I have nothing to do. I'll take you there with pleasure."

"Will you, though? Well, I'd take it very kindly if you would. I have
business there. Smith and Hanbury, financial agents, Bread Street."

The pair made their way to the river-side, and so down the Thames to St.
Paul's landing--a mode of travel which was much more to the Admiral's
taste than 'bus or cab. On the way, he told his companion his mission
and the causes which had led to it. Charles Westmacott knew little
enough of City life and the ways of business, but at least he had more
experience in both than the Admiral, and he made up his mind not to
leave him until the matter was settled.

"These are the people," said the Admiral, twisting round his paper,
and pointing to the advertisement which had seemed to him the most
promising. "It sounds honest and above-board, does it not? The personal
interview looks as if there were no trickery, and then no one could
object to five per cent."

"No, it seems fair enough."

"It is not pleasant to have to go hat in hand borrowing money, but there
are times, as you may find before you are my age, Westmacott, when a man
must stow away his pride. But here's their number, and their plate is on
the corner of the door."

A narrow entrance was flanked on either side by a row of brasses,
ranging upwards from the shipbrokers and the solicitors who occupied
the ground floors, through a long succession of West Indian agents,
architects, surveyors, and brokers, to the firm of which they were in
quest. A winding stone stair, well carpeted and ra