He handed me the book. It was a cynically truthful record of fraud, extending over thirty years. Every client, every friend, every relative that had fallen into his net he had robbed: the fortunate ones of a part, the majority of their all. Its very first entry debited him with the proceeds of his own partner's estate. Its last ran--“Re Kelver--various sales of stock.” To his credit were his payments year after year of imaginary interests on imaginary securities, the surplus accounted for with simple brevity: “Transferred to own account.” No record could have been more clear, more frank. Beneath each transaction was written its true history; the actual investments, sometimes necessary, carefully distinguished from the false. In neat red ink would occur here and there a note for his own guidance: “Eldest child comes of age August, '73. Be prepared for trustees desiring production.” Turning to “August, '73,” one found that genuine investment had been made, to be sold again a few months later on. From beginning to end not a single false step had he committed. Suspicious clients had been ear-marked: the trusting discriminated with gratitude, and milked again and again to meet emergency. As a piece of organisation it was magnificent. No one but a financial genius could have picked a dozen steps through such a network of chicanery. For half a lifetime he had moved among it, dignified, respected and secure. Whether even he could have maintained his position for another month was doubtful. Suicide, though hinted at, was proved to have been impossible. It seemed as though with his amazing audacity he had tricked even Death into becoming his accomplice. “But it is impossible, Kelver!” cried Gadley, “this must be some dream. Stillwood, Waterhead and Royal! What is the meaning of it?” He took the book into his hands again, then burst into tears. “You never knew him,” wailed the poor little man. “Stillwood, Waterhead and Royal! I came here as office boy fifty years ago. He was more like a friend to me than--” and again the sobs shook his little fat body. I locked the books away and put him into his hat and coat. But I had much difficulty in getting him out of the office. “I daren't, young 'un,” he cried, drawing back. “Fifty years I have walked out of this office, proud of it, proud of being connected with it. I daren't face the street!” All the way home his only idea was: Could it not be hidden? Honest, kindly little man that he was, he seemed to have no thought for the unfortunate victims. The good name of his master, of his friend, gone! Stillwood, Waterhead and Royal, a by-word! To have avoided that I believe he would have been willing for yet another hundred clients to be ruined.