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him at present; they can give us no further information, and we have not the dimmest notion who can. Let me add a sort of postscript to what Mr. Nash has told you, which will shed another sidelight on the position. It is now about five years since your father bought Cloverlea. Ever since he bought it he has paid three thousand pounds into the local bank four times each year, always in notes and gold, which, as you are possibly aware, is not a form in which such payments are usually made. His next payment, if he intended to follow his usual rule, was due last week, to be exact, last Friday; for four years in succession he has paid in three thousand pounds, in notes and gold, on the first Friday in April. He was taken ill, as you know, on Thursday; if he had intended to make his usual payment on the following day the money would have been in his possession; we should have found it; we have found nothing."

      Although no one seemed to notice it, Miss Harding looked as if she were trembling on the verge of a serious attack of illness. Her face was white and drawn, her eyes were half closed, her mouth was tightly shut, her hand was pressed against her side, as if compelled to that position by sudden pain. The doctor, oblivious of the fact that it looked as if his services would presently be required, went remorselessly on.

      "The only possible alternative is that the money was stolen, and that after he was taken ill; you know what likelihood there is of that. But in order to leave no room for doubt we have questioned every one connected with the household; I am bound to say that we have discovered nothing in the least suspicious."

      "Of course not; I wish I had known what you were doing, I would have stopped it. The idea of supposing that any one here would rob me; there is not a creature about the place I would not trust with my life."

      This was Nora; her words were like poisoned darts to at least one of her hearers. The doctor continued.

      "Just so; but allow me to point out, Miss Lindsay, the inference which may be drawn from what we have been able to learn of your father's methods. He has paid twelve thousand pounds a year into the local bank, invariably in notes and gold, never a cheque among the lot; does not this suggest that he wished to conceal, even from his bankers, the source from which the money came?"

      "I don't see why you say that."

      "If their ledgers contained the record of his having paid in even so much as a single cheque we might have been able to trace the history of that cheque, and in so doing might have lighted upon something which would have served as the key to the whole puzzle; if, that is, we could discover some one who ever paid him anything we might find out why he paid, and so might chance upon a clue which in the end might show us where his income came from. As it is we have nothing to go upon; and I can't help thinking that he meant his bankers should have nothing to go upon; whether he intended that you should be in the same position is another question. The consequence is, as matters stand, I am bound to say so, my dear Miss Nora, it is no use blinking the truth-"

      "Please tell me what you believe to be the truth; pray don't what you call blink it."

      "It is a perfectly fair deduction to draw that he had come to the end of his resources, whatever they may have been; quite conceivably the immediate cause of his illness was the consciousness that it was so; I am free to confess that, in this connection, the absence of the three thousand pounds, his usual quarterly payment into the bank, and, indeed, of any cash, is significant. I can only hope, Miss Nora, that you know something which will place the matter in quite a different aspect."

      When the doctor ceased there was silence. Mr. Nash, fidgeting with his papers, seemed disposed to let his eyes rest anywhere rather than on the faces of his companions. Miss Harding, judging from her appearance, continually hovered on the verge of collapse; that no one noticed her condition showed how the others were preoccupied. Of the four Nora still bore herself as the one who was most at ease. She sat up straight; well back on her chair; her hands lying idle on her lap; a look upon her face which suggested an assurance which nothing they might say to her could touch; when she spoke she held her head a little back, with, in her wide-open eyes, what was almost the glint of a smile.

      "I don't know what you call knowledge. I can only say that I am sure that you have not yet got to the root of the matter; that there is still something to be explained; because I am convinced that my father has left behind him a great deal of money."

      "It is more than probable you are right; nothing will surprise me more than to learn that he hasn't; all that is wanted is a clue. Tell us on what you found your conviction."

      "It is not altogether easy, but I'll try." The faintest touch of colour tinged her cheeks. "You know I am engaged to be married. My father, in congratulating me, said that the fact that Mr. Spencer had no money wouldn't matter, because I should have enough for both. I am sure he would not have said that had it not been true; I know my father."

      "In other words, he practically told you that, after he was gone, he would leave you well provided for."

      "That was what it amounted to, yes."

      "He said nothing about the quarter from which the provision was to come?"

      "He said nothing except what I have told you; but, for me, that is enough."

      "No doubt, Miss Nora, but what we want is something which will tell us where the money which he spoke of is to be found."

      "It will be found."

      "Where? how? when? These questions must be answered."

      "They will be answered, in God's good time."

      The doctor gave an impatient gesture.

      "I wish to say nothing in the least impious; but if it is to be in good time the answer must come now; before Cloverlea is sold, and you are homeless."

      "Cloverlea-sold?" The notion seemed to startle her. "Who talks of selling Cloverlea?"

      "My dear young lady, here's a creditor for over four thousand pounds, who writes to say that if his claim is not settled at once proceedings will immediately be taken against your father's estate-"

      "Four thousand pounds! To whom did my father owe four thousand pounds?"

      "That's the worst of it; it's a money-lender."

      "A money-lender?"

      "The fellow holds your father's paper-promissory notes-to the amount of nearly four thousand five hundred pounds, which is now overdue; and he says he has other paper, which will mature shortly, to the extent of another five thousand pounds. And he is not the only one; claims have been raining in from similar gentry. It actually appears that your father owed them at least thirty thousand pounds."

      "I don't believe it."

      The doctor shrugged his shoulders.

      "I found it hard to credit; but-there are the bills, accepted by your father; what do you suggest? that they are forgeries?"

      "At present I suggest nothing; what can I suggest? But I do not believe that my father ever borrowed money from a usurer."

      "I am afraid that this is not a matter with which we can deal as a question of belief; do you propose to contest these claims? If so, notice must be given at once; you must clearly understand what that would mean; you would have to prove that the signatures upon these bills, which purport to be your father's, are forgeries; I don't know in which event the consequences would be more serious, if you proved it or if you failed to prove it."

      "How do the people who hold these bills pretend they got them?"

      "Guldenheim, who is the chief holder, is, in his way, a perfectly respectable man, and enormously rich. I called on him yesterday to put that question. He looked me up and down; and then observed that if payment was not made this week he should commence proceedings, when he would supply the Court with all the necessary information; then he asked his clerk to show me to the door. I am afraid there was something in the manner in which I asked the question which he resented, and perhaps was entitled to resent."

      "What will be the result if he does take proceedings?"

      "Probably in a short time you'll have the sheriff's officers in the house, and, perhaps before you've had time to turn round, you'll be left without a roof to cover you. Whatever happens we must avoid that."

      "How are

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