The banker's gaze never flinched during that encounter. It is taken as a strong proof of a man's innocence that he should look you full in the face with a steadfast gaze when you look at him with suspicion plainly visible in your eyes; but would he not be the poorest villain if he shirked that encounter of glances when he knows full surely that he is in that moment put to the test? It is rather innocence whose eyelids drop when you peer too closely into its eyes, for innocence is appalled by the stern, accusing glances which it is unprepared to meet. Guilt stares you boldly in the face, for guilt is hardened and defiant, and has this one grand superiority over innocence—that it is _prepared for the worst_. Clement Austin opened the door of Mr. Balderby's parlour; Mr. Dunbar went in unannounced. The cashier closed the parlour-door and returned to his desk in the public office. The junior partner was sitting at an office table near the fire writing, but he rose as the banker entered the room, and went forward to meet him. "You are very punctual, Mr. Dunbar," he said. "Yes, I am generally punctual." The two men shook hands, and Mr. Balderby wheeled forward a morocco-covered arm-chair for his senior partner, and then took his seat opposite to him, with only the small office table between them. "It may seem late in the day to bid you welcome to the bank, Mr. Dunbar," said the junior partner, "but I do so, nevertheless—most heartily!" There was a flatness in the accent in which these two last words were spoken, which was like the sound of a false coin when it falls dead upon a counter and proclaims itself spurious. Henry Dunbar did not return his partner's greeting. He was looking round the room, and remembering the day upon which he had last seen it. There was very little alteration in the appearance of the dismal city chamber. There was the same wire-blind before the window, the same solitary tree, leafless, in the narrow courtyard without. The morocco-covered arm-chairs had been re-covered, perhaps, during that five-and-thirty years; but if so, the covering had grown shabby again. Even the Turkey carpet was in the very stage of dusky dinginess that had distinguished the carpet on which Henry Dunbar had stood five-and-thirty years before. "I received your letter announcing your journey to London, and your desire for a private interview, on Saturday afternoon," Mr. Balderby said, after a pause. "I have made arrangements to assure our being undisturbed so long as you may remain here. If you wish to make any investigation of the affairs of the house, I——" Mr. Dunbar waved his hand with a deprecatory air.