Mr. Burtenshaw, one of the managers of Morland's bank, came in, and Wardlaw motioned him courteously to a chair, while he finished his letter, which took only a few moments. While he was sealing it, he half turned to his visitor, and said, "No bad news? Morland's is safe, of course." "Well," said Burtenshaw, "there is a run upon our bank--a severe one. We could not hope to escape the effects of the panic." He then, after an uneasy pause, and with apparent reluctance, added, "I am requested by the other directors to assure you it is their present extremity alone, that-- In short, we are really compelled to beg you to repay the amount advanced to you by the bank." Wardlaw showed no alarm, but great surprise. This was clever; for he felt great alarm, and no surprise. "The 81,000 pounds," said he. "Why, that advance was upon the freight of the _Proserpine._ Forty-five thousand ounces of gold. She ought to be here by this time. She is in the Channel at this moment, no doubt." "Excuse me; she is overdue, and the underwriters uneasy. I have made inquiries." "At any rate, she is fully insured, and you hold the policies. Besides, the name of Wardlaw on your books should stand for bullion." Burtenshaw shook his head. "Names are at a discount to-day, sir. We can't pay you down on the counter. Why, our depositors look cross at Bank of England notes." To an inquiry, half ironical, whether the managers really expected him to find 81,000 pounds cash, at a few hours' notice, Burtenshaw replied, sorrowfully, that they felt for his difficulty while deploring their own; but that, after all, it was a debt. And, in short, if he could find no means of paying it, they must suspend payment for a time, and issue a statement--and-- He hesitated to complete his sentence, and Wardlaw did it for him. "And ascribe your suspension to my inability to refund this advance?" said he, bitterly. "I am afraid that is the construction it will bear." Wardlaw rose, to intimate he had no more to say. Burtenshaw, however, was not disposed to go without some clear understanding. "May I say we shall hear from you, sir?" "Yes." And so they wished each other good-morning; and Wardlaw sank into his chair. In that quiet dialogue, ruin had been inflicted and received without any apparent agitation; ay, and worse than ruin--exposure. Morland's suspension, on account of money lost by Wardlaw & Son, would at once bring old Wardlaw to London, and the affairs of the firm would be investigated, and the son's false system of bookkeeping be discovered. He sat stupefied awhile, then put on his hat and rushed to his solicitor; on the way, he fell in with a great talker, who told him there was a rumor the _Shannon_ was lost in the Pacific.