A precise, erect, parchmentlike person was Nugent Cassis, entirely colourless in himself and his outlook. The emotions of life never for an instant affected him. He was apparently insensible to pain, passion, triumph and disaster. His brain worked at one unvarying speed with clocklike regularity. He was always efficient, he was never inspired. He believed in himself and his judgments and doubted everyone else and their judgments. He was a machine, self-contrived, for the purpose of making money, which he had no capacity for spending. He could carry in his head the entire overnight market quotations and invariably did so. He seldom made a mistake and never admitted the mistakes he made. His transactions were honest because his knowledge of the law was unrivalled and he knew to a hair how close to the wind a man might sail. As he never wasted a moment he occupied the time of waiting, in ringing up his broker and firing a barrage of instructions. This done he returned to the fireplace, consulted his own watch, corrected the mantelpiece clock which was a minute and a half slow, sniffed critically and proceeded to warm his hands again. There was nothing spontaneous in the action, warming his hands was as much a part of his daily programme as reading the _Financial Times_, the two minutes he spent lying flat on his back after lunch, or the single round of golf which he played every third Sunday throughout the year. The clock was striking eleven when Mr. Hilbert Torrington, a bent, bald, clean shaven man of eighty years, entered on the arm of the servant. Mr. Torrington, his age claims the prefix, was a different type to Cassis. He possessed a pair of blue eyes that might have belonged to a child and the expression of his face, a face threaded with a thousand wrinkles, was sweet and calm. People who saw him but had no intimate knowledge of his powers, marvelled that this frail, kindly, stooping old man, with his look of innocence that was almost sublime, could in reality be a giant in the world of money. Such was the case. Mr. Hilbert Torrington had his fingers on the financial pulse of the world and at a pressure could accelerate or decelerate it, to suit his mood. Unlike Cassis, Mr. Torrington had time for everything. When he worked he worked instantaneously, achieving in an hour work that would have kept a less remarkable man busy for a month. After one of these flashes he would relapse into pleasant gardens where he grew roses, or pleasant galleries where he looked with eyes of understanding into the heart of pictures. Sometimes he amused himself by playing with urchins in St. James's Park and on one occasion had been seen to divest himself of his coat to supply the wickets for an informal cricket match. When asked why he bothered to take part in the rack and strain of high finance he gave the amiable reply: "Because it's such fun." The servant piloted him to a high elbow chair and helped him to be seated.