The same evening Turlington was at his office in Austin Friars, investigating the state of affairs, with his head clerk to help him. Stated briefly, the business of the firm was of the widely miscellaneous sort. They plied a brisk trade in a vast variety of commodities. Nothing came amiss to them, from Manchester cotton manufactures to Smyrna figs. They had branch houses at Alexandria and Odessa, and correspondents here, there, and everywhere, along the shores of the Mediterranean, and in the ports of the East. These correspondents were the persons alluded to in Mr. Branca's letter as "small foreign firms;" and they had produced the serious financial crisis in the affairs of the great house in Austin Friars, which had hurried Turlington up to London. Every one of these minor firms claimed and received the privilege of drawing bills on Pizzituti, Turlington & Branca for amounts varying from four to six thousand pounds--on no better security than a verbal understanding that the money to pay the bills should be forwarded before they fell due. Competition, it is needless to say, was at the bottom of this insanely reckless system of trading. The native firms laid it down as a rule that they would decline to transact business with any house in the trade which refused to grant them their privilege. In the ease of Turlington's house, the foreign merchants had drawn their bills on him for sums large in the aggregate, if not large in themselves; had long since turned those bills into cash in their own markets, for their own necessities; and had now left the money which their paper represented to be paid by their London correspondents as it fell due. In some instances, they had sent nothing but promises and excuses. In others, they had forwarded drafts on firms which had failed already, or which were about to fail, in the crisis. After first exhausting his resources in ready money, Mr. Branca had provided for the more pressing necessities by pledging the credit of the house, so far as he _could_ pledge it without exciting suspicion of the truth. This done, there were actually left, between that time and Christmas, liabilities to be met to the extent of forty thousand pounds, without a farthing in hand to pay that formidable debt. After working through the night, this was the conclusion at which Richard Turlington arrived, when the rising sun looked in at him through the windows of his private room. The whole force of the blow had fallen on _him_. The share of his partners in the business was of the most trifling nature. The capital was his, the risk was his. Personally and privately, _he_ had to find the money, or to confront the one other alternative--ruin. How was the money to be found?