He paused for a moment by the rails of Rotten Row and watched some early horsemen canter by. In one of them he recognised an old acquaintance and instinctively covered the lower half of his face with his hand. His chin felt prickly to the touch for his beard had grown rapidly during the night. As a scrupulous twice-a-day shaver his senses rebelled at the notion of weed upon his face. However, it was useless to lament over trifles like that. "I know," he said to himself. "A dip in the Serpentine." A quarter of an hour later he was cutting through the water with long powerful strokes. On returning to the shore he had the good fortune to borrow a cake of soap from another bather who appeared, from the modesty of his folded garments, to be in equally hazardous financial circumstances. "To tell the honest truth," his new acquaintance confided, "I bagged that bit of soap from a Great Eastern Railway carriage. Managed to nip in and collar it when no one was looking. Suppose I'm a thief of sorts but a man loses self respect if he doesn't wash." They sat side by side until the pale sunlight had partially dried them. "You broke?" Richard queried. The man shook his head seriously. "No, I'm a millionaire," he replied, "only I haven't any money--not a bean. Spent it all making myself rich. Look at this." He untied a string that circled his neck. (Richard had noticed the string and a small linen bag it supported.) He opened the bag and produced a piece of yellow metal about the size of a lump of sugar. "It's gold," he said. Richard agreed that it looked like gold and asked where he found it. "I made it," came the astonishing reply. "You needn't worry, it is gold all right. Bear any test." He restored it to the bag. "Seems stupid," he went on, "that here am I, with the knowledge to command millions, and I haven't a sou in my pocket. Cheap process, too, once you've got the plant. Dirt cheap. 'Course it's getting the plant's the trouble. No one'll believe me. Disheartening. Took that sample to the Bank of England--they asked me where I bought it--bought it! Lord! Oh well--one of these days, I suppose. Meet again perhaps. G'bye." And with a cheery wave of the hand he vaulted the railings and ran lightly across the grass. "I'm damned," said Richard. "If a fellow like that can make gold it follows to reason I ought to be able to make good." It was after nine o'clock when Richard turned down the Earl's Court Road. He stopped before a small sweet stuff shop, attracted by a card in the window which read, "Letters may be addressed here, 1d." "I suppose a man, even in my circumstances, ought to have a town address," he argued. "After all, one never knows."