A sharp knocking was heard at the street door, and resounded across the marble hall. The Wardlaws looked at one another in some little surprise. "I have invited nobody," said the elder. Some time elapsed, and then a footman made his appearance and brought in a card. "Mr. Christopher Adams." Now that Mr. Christopher Adams should call on John Wardlaw, in his private room, at nine o'clock in the evening, seemed to that merchant irregular, presumptuous and monstrous. "Tell him he will find me at my place of business to-morrow, as usual," said he, knitting his brows. The footman went off with this message; and, soon after, raised voices were heard in the hall, and the episcopal butler entered the room with an injured countenance. "He says he _must_ see you; he is in great anxiety." "Yes, I am in great anxiety," said a quavering voice at his, elbow; and Mr. Adams actually pushed by the butler, and stood, hat in hand, in those sacred precincts. "'Pray excuse me, sir," said he, "but it is very serious; I can't be easy in my mind till I have put you a question." "This is very extraordinary conduct, sir," said Mr. Wardlaw. "Do you think I do business here, and at all hours?" "Oh, no, sir. It is my own business. I am come to ask you a very serious question. I couldn't wait till morning with such a doubt on my mind." "Well, sir, I repeat this is irregular and extraordinary; but as you are here, pray what is the matter?" He then dismissed the lingering butler with a look. Mr. Adams cast uneasy glances on young Wardlaw. "Oh," said the elder, "you can speak before him. This is my partner; that is to say, he will be as soon as the balance-sheet can be prepared and the deed drawn. Wardlaw junior, this is Mr. Adams, a very respectable bill discounter." The two men bowed to each other, and Arthur Wardlaw sat down motionless. "Sir, did you draw a note of hand to-day?" inquired Adams of the elder merchant. "I dare say I did. Did you discount one signed by me?" "Yes, sir, we did." "Well, sir, you have only to present it at maturity. Wardlaw & Son will provide for it, I dare say." This with the lofty nonchalance of a rich man who had never broken an engagement in his life. "Ah, that I know they will if it is all right; but suppose it is not?" "What d'ye mean?" asked Wardlaw, with some astonishment. "Oh, nothing, sir! It bears your signature, that is good for twenty times the amount; and it is indorsed by your cashier. Only what makes me a little uneasy, your bills used to be always on your own forms, and so I told my partner; he discounted it. Gentlemen, I wish you would just look at it." "Of course we will look at it. Show it Arthur first; his eyes are younger than mine." Mr. Adams took out a large bill-book, extracted the note of hand, and passed it across the table to Wardlaw junior. He took it up with a sort of shiver, and bent his head very low over it; then handed it back in silence.