"Not if I know it," answered the sailor, with a look of profound wisdom; "not if I know it, Joyce Harker. I know what your bankers are. You go to them some fine afternoon, and find a lot of clerks standing behind a bran new mahogany counter, everything bright, and shining, and respectable. 'Can I leave a few hundreds on deposit?' asks you. 'Why, of course you can,' reply they; and then you hand over your money, and then they hand you back a little bit of paper. 'That's your receipt,' say they. 'All right,' say you; and off you sheer. Perhaps you feel just a little bit queerish, when you get outside, to think that all your solid cash has been melted down into that morsel of paper; but being a light-hearted, easy-going fellow, you don't think any more of it, till you come home from your next voyage, and go ashore again, and want your money; when it's ten to one if you don't find your fine new bank shut up, and your clerks and bran-new mahogany counter vanished. No, Joyce, I'll trust no bankers." "I'd rather trust the bankers than the people down this way, any day in the week," answered the clerk, thoughtfully. "Don't you worry yourself, Joyce! The money won't be in my keeping very long. George is to meet me in London on the fifth of April, at the latest, he says, unless winds and waves are more contrary than ever they've been since he's had to do with them; and you know George is my banker. I'm only a sleeping partner in the firm of Jernam Brothers. George takes the money, and George does what he likes with it--puts it here and there, and speculates in this and speculates in that. You've got a business head of your own, Joyce; you're one of George's own sort; and you are up to all his dodges, which is more than I am. However, he tells me we're getting rich, and that's pleasant enough--not that I think I should break my heart about it if we were getting poor. I love the sea because it is the sea, and I love my ship for her own sake." "Captain George is right, though," answered the clerk. "Jernam Brothers are growing rich; Jernam Brothers are prospering. But you haven't told me your plans yet, captain." "Well, since you say I had better cut this quarter, I suppose I must; though I like to see the rigging above the housetops, and to hear the jolly voices of the sailors, and to know that the 'Pizarro' lies hard by in the Pool. However, there's an old aunt of mine, down in a sleepy little village in Devonshire, who'd be glad to see me, and none the worse for a small slice of Jernam Brothers' good luck; so I'll take a place on the Plymouth coach to-morrow morning, and go down and have a peep at her. You'll be able to keep a look-out on the repairs aboard of the 'Pizarro', and I can be back in time to meet George on the fifth." "Where are you to meet him?" "In this room." The factotum shook his head.