The Doctor glanced at the envelopes and thrust the letters into his pocket. His good nature was touched at the thought of another financial disaster, by which many hard-working people would lose their little savings, and all the more that he had some of his private means invested in a Glasgow bank--one of those tried and powerful institutions which was indifferent to every crisis in trade. Already he anticipated an appeal, and considered what he would give, for it did not matter whether it was a coalpit explosion in Lanarkshire or a loss of fishing-boats in the Moray Firth, if widows needed help the Doctor's guinea was on its way within four-and-twenty hours. Some forms of religious philanthropy had very little hold on the Doctor's sympathy--one of the religious prints mentioned him freely as a Unitarian, because he had spoken unkindly of the Jewish mission--but in the matter of widows and orphans he was a specialist. "Widows, Posty said; poor things! and very likely bairns. Well, well, we 'll see what can be done out of Daisy's fund." Very unlikely people have their whims, and it was his humour to assign one fourth of his income to his little sister, who was to have kept house for him, and "never to leave you, Sandie," and out of this fund the Doctor did his public charities. "In memory of a little maid," appeared in various subscription lists; but the reference thereof was only known after the Doctor's death. "The Western Counties Bank did not open its doors yesterday, and it was officially announced at the head-office, Glasgow, that the bank had stopped. It is impossible as yet to forecast the debts, but they are known to be enormous, and as the bank is not limited, it is feared that the consequences to the shareholders will be very serious. This failure was quite unexpected, the Western Counties Bank having been looked on as a prosperous and stable concern." He read the paragraph twice word by word--it did not take long--he folded the paper carefully and put it in his pocket, and he stood in the spot for five minutes to take in the meaning in its length and breadth. A pleasant spring sun was shining upon him through a break in the leafy arch, a handful of primroses were blooming at his feet, a lark was singing in the neighbouring field. Sometimes the Doctor used to speculate how he would have liked being a poor man, and he concluded that he would have disliked it very much. He had never been rich, and he was not given to extravagance, but he was accustomed to easy circumstances, and he pitied some of his old friends who had seen it their duty to secede at the Disruption, and had to practise many little economies, who travelled third class and had to walk from the station, and could not offer their friends a glass of wine. This was the way he must live now, and Daisy's fund would have to be closed, which seemed to him the sweetest pleasure of his life.