"I shall be ready whenever you are, Mr. Hartington. Of course, I don't quite see what you will do with this document, but I am perfectly ready to sign it." "I don't see either. I shall want to think the matter over. At present I feel in a complete fog." "I can quite understand that. I may tell you that Brander puzzled me a good deal the last two or three months before the bank stopped. He spent two or three hours going into the affairs with me. He knew generally how matters stood, but he had never gone thoroughly into them before. When he had done he said, 'I knew you were in a very bad way before but I did not think it was as bad as this. I want to see whether the smash could not be postponed. Things have been bad lately, but I think they are improving, and some of these affairs that you have been bolstering up might pull round if you had time given you." "I did not see much chance of that. However, I did not say so in fact, I wanted to hear what he was driving at. He went on, after looking through the list of mortgages we held, 'Of course, Cumming, it is to your interest to hold on here as long as possible, and I may have mine for wishing the bank to keep its doors open for some little time yet. It would never do for you to be going into the market to try and transfer any of these mortgages, but I have clients in London who would, I think, take some of them over. Of course, I have taken good care that in no cases did the bank lend more than fifty per cent. of the full value of the lands, and the mortgages are all as safe as if they were on consols. So if you will give me a fortnight's notice when there is anything pressing coming forward, I think I can manage to get twenty thousand pounds' worth of these mortgages taken off our hands altogether. I might repeat the operation three or four times, and could get it done quietly and with no fuss. In that way the bank could be kept going for a good many months, which would give time for things to take a turn. In case of anything like a run taking place, which I think is unlikely, I could let you have fifteen thousand of my own in a few hours. I have it standing at call and could run up to town and bring it down by the next train.'