"Well, the crash of 1866 came. In that crash most people lost a pot of money. Richard Halling did (and your husband's estate has since suffered for it), and I did also. If I had stopped then I could not have paid a shilling in the pound; but no one knew this, my credit was good and my business capacity highly esteemed. So I went on, and tried my best to regain the standing I alone knew I had lost." A carafe of water stood on a table close to where he sat. He poured out a glass and drank eagerly ere he proceeded. "Not to weary you with details, in an evil hour my path crossed that of Forde. He wanted to build up the standing of the General Chemical Company; I wanted to ensure the stability of my own. "Mutually we lied to each other; mutually we deceived each other. I thought him a capable scoundrel; he thought me a grasping millionaire. The day came when I understood thoroughly he had no genius whatever, even for blackguardism, but was simply a man to whom his situation was so important that he would have sacrificed his first-born to retain his post; a man who would have been honest enough had no temptation been presented to him; a man who was not possessed of sufficient moral courage to be either a saint or a sinner, who was always halting between two opinions, and whilst treading the flowery paths leading to perdition, cast regretful glances back to the dusty roads and stony highways traversed by successful virtue, whilst I--" He paused and then went on. "Ever since 1866 I have been a mere adventurer, building up my credit upon one rotten foundation after another, believing foolishly it may be and yet sincerely the turn would come some day, and that I should eventually be able to retrieve all--pay all." "And I still believe," he proceeded after a moment's pause, "that I could have got out safe, had Swanland, for the sake of advertising himself, not advertised your husband's failure. Had I been able to carry out my plans, the General Chemical Company and I had parted company months ago. I reckoned on being able to bribe Forde to help me to do this. He rose to the bait, but he had not power to fulfil his part of the bargain. There was an antagonistic influence at work, and we never traced it to its source until a few days since. Then we found that a new director had been quietly looking into your affair, and as a natural consequence into the affairs of other customers. He discovered how bills had been manipulated and accounts cooked, how one security had been made to do duty for six, and much more to the same effect. It was all clumsy botched work, but either it had really deceived the other directors or they pretended it had, which comes to about the same thing. However, to cut the story short, Kleinwort, who foresaw the turn affairs would take, has gone, and I, who did not foresee, must go also." "Go where?" Dolly inquired. "I am uncertain," he answered; "but it is useless my remaining to face the consequences of my own acts."