LITMIR.BIZ

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saw before my nose in one pigeon-hole your cheque-book, Raffles, and your pass-book bulging with old cheques."

      "And as I wasn't back to write one for you," said Raffles, "you wrote it for me. And quite right, too!"

      "Don't laugh at me!" cried the boy, his lost colour rushing back. And he looked at me again as though my long face hurt him less than the sprightly sympathy of his friend.

      "I'm not laughing, Teddy," replied Raffles kindly. "I was never more serious in my life. It was playing the friend to come to me at all in your fix, but it was the act of a real good pal to draw on me behind my back rather than let me feel I'd ruined you by not turning up in time. You may shake your head as hard as you like, but I never was paid a higher compliment."

      And the consummate casuist went on working a congenial vein until a less miserable sinner might have been persuaded that he had done nothing really dishonourable; but young Garland had the grace neither to make nor to accept any excuse for his own conduct. I never heard a man more down upon himself, or confession of error couched in stronger terms; and yet there was something so sincere and ingenuous in his remorse, something that Raffles and I had lost so long ago, that in our hearts I am sure we took his follies more seriously than our own crimes. But foolish he indeed had been, if not criminally foolish as he said. It was the old story of the prodigal son of an indulgent father. There had been, as I suspected, a certain amount of youthful riot which the influence of Raffles had already quelled; but there had also been much reckless extravagance, of which Raffles naturally knew less, since your scapegrace is constitutionally quicker to confess himself as such than as a fool. Suffice it that this one had thrown himself on his father's generosity, only to find that the father himself was in financial straits.

      "What!" cried Raffles, "with that house on his hands?"

      "I knew it would surprise you," said Teddy Garland. "I can't understand it myself; he gave me no particulars, but the mere fact was enough for me. I simply couldn't tell my father everything after that. He wrote me a cheque for all I did own up to, but I could see it was such a tooth that I swore I'd never come on him to pay another farthing. And I never will!"

      The boy took a sip from his glass, for his voice had faltered, and then he paused to light another cigarette, because the last had gone out between his fingers. So sensitive and yet so desperate was the blonde young face, with the creased forehead and the nervous mouth, that I saw Raffles look another way until the match was blown out.

      "But at the time I might have done worse, and did," said Teddy, "a thousand times! I went to the Jews. That's the whole trouble. There were more debts—debts of honour—and to square up I went to the Jews. It was only a matter of two or three hundred to start with; but you may know, though I didn't, what a snowball the smallest sum becomes in the hands of those devils. I borrowed three hundred and signed a promissory note for four hundred and fifty-six."

      "Only fifty per cent!" said Raffles. "You got off cheap if the percentage was per annum."

      "Wait a bit! It was by way of being even more reasonable than that. The four hundred and fifty-six was repayable in monthly instalments of twenty quid, and I kept them up religiously until the sixth payment fell due. That was soon after Christmas, when one's always hard up, and for the first time I was a day or two late—not more, mind you; yet what do you suppose happened? My cheque was returned, and the whole blessed balance demanded on the nail!"

      Raffles was following intently, with that complete concentration which was a signal force in his equipment. His face no longer changed at anything he heard; it was as strenuously attentive as that of any judge upon the bench. Never had I clearer vision of the man he might have been but for the kink in his nature which had made him what he was.

      "The promissory note was for four-fifty-six," said he, "and this sudden demand was for the lot less the hundred you had paid?"

      "That's it."

      "What did you do?" I asked, not to seem behind Raffles in my grasp of the case.

      "Told them to take my instalment or go to blazes for the rest!"

      "And they?"

      "Absolutely drop the whole thing until this very week, and then come down on me for—what do you suppose?"

      "Getting on for a thousand," said Raffles after a moment's thought.

      "Nonsense!" I cried. Garland looked astonished too.

      "Raffles knows all about it," said he. "Seven hundred was the actual figure. I needn't tell you I have given the bounders a wide berth since the day I raised the wind; but I went and had it out with them over this. And half the seven hundred is for default interest, I'll trouble you, from the beginning of January down to date!"

      "Had you agreed to that?"

      "Not to my recollection, but there it was as plain as a pikestaff on my promissory note. A halfpenny in the shilling per week over and above everything else when the original interest wasn't forthcoming."

      "Printed or written on your note of hand?"

      "Printed—printed small, I needn't tell you—but quite large enough for me to read when I signed the cursed bond. In fact I believe I did read it; but a halfpenny a week! Who could ever believe it would mount up like that? But it does; it's right enough, and the long and short of it is that unless I pay up by twelve o'clock to-morrow the governor's to be called in to say whether he'll pay up for me or see me made a bankrupt under his nose. Twelve o'clock, when the match begins! Of course they know that, and are trading on it. Only this evening I had the most insolent ultimatum, saying it was my 'dead and last chance.'"

      "So then you came round here?"

      "I was coming in any case. I wish I'd shot myself first!"

      "My dear fellow, it was doing me proud; don't let us lose our sense of proportion, Teddy."

      But young Garland had his face upon his hand, and once more he was the miserable man who had begun brokenly to unfold the history of his shame. The unconscious animation produced by the mere unloading of his heart, the natural boyish slang with which his tale had been freely garnished, had faded from his face, had died upon his lips. Once more he was a soul in torments of despair and degradation; and yet once more did the absence of the abject in man and manner redeem him from the depths of either. In these moments of reaction he was pitiful, but not contemptible, much less unlovable. Indeed, I could see the qualities that had won the heart of Raffles as I had never seen them before. There is a native nobility not to be destroyed by a single descent into the ignoble, an essential honesty too bright and brilliant to be dimmed by incidental dishonour; and both remained to the younger man, in the eyes of the other two, who were even then determining to preserve in him all that they themselves had lost. The thought came naturally enough to me. And yet I may well have derived it from a face that for once was easy to read, a clear-cut face that had never looked so sharp in profile, or, to my knowledge, half so gentle in expression.

      "And what about these Jews?" asked Raffles at length.

      "There's really only one."

      "Are we to guess his name?"

      "No, I don't mind telling you. It's Dan Levy."

      "Of course it is!" cried Raffles with a nod for me. "Our Mr. Shylock in all his glory!"

      Teddy snatched his face from his hands.

      "You don't know him, do you?"

      "I might almost say I know him at home," said Raffles. "But as a matter of fact I met him abroad."

      Teddy was on his feet.

      "But do you know him well enough—"

      "Certainly. I'll see him in the morning. But I ought to have the receipts for the various instalments you have paid, and perhaps that letter saying it was your last chance."

      "Here they all are," said Garland, producing a bulky envelope. "But of course I'll come with you—"

      "Of course you'll do nothing of the kind, Teddy! I

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