"One of the most dangerous classes in the world," said he, "is the drifting and friendless woman. She is the most harmless and often the most useful of mortals, but she is the inevitable inciter of crime in others. She is helpless. She is migratory. She has sufficient means to take her from country to country and from hotel to hotel. She is lost, as often as not, in a maze of obscure pensions and boardinghouses. She is a stray chicken in a world of foxes. When she is gobbled up she is hardly missed. I much fear that some evil has come to the Lady Frances Carfax." I was relieved at this sudden descent from the general to the particular. Holmes consulted his notes. "Lady Frances," he continued, "is the sole survivor of the direct family of the late Earl of Rufton. The estates went, as you may remember, in the male line. She was left with limited means, but with some very remarkable old Spanish jewellery of silver and curiously cut diamonds to which she was fondly attached--too attached, for she refused to leave them with her banker and always carried them about with her. A rather pathetic figure, the Lady Frances, a beautiful woman, still in fresh middle age, and yet, by a strange change, the last derelict of what only twenty years ago was a goodly fleet." "What has happened to her, then?" "Ah, what has happened to the Lady Frances? Is she alive or dead? There is our problem. She is a lady of precise habits, and for four years it has been her invariable custom to write every second week to Miss Dobney, her old governess, who has long retired and lives in Camberwell. It is this Miss Dobney who has consulted me. Nearly five weeks have passed without a word. The last letter was from the Hotel National at Lausanne. Lady Frances seems to have left there and given no address. The family are anxious, and as they are exceedingly wealthy no sum will be spared if we can clear the matter up." "Is Miss Dobney the only source of information? Surely she had other correspondents?" "There is one correspondent who is a sure draw, Watson. That is the bank. Single ladies must live, and their passbooks are compressed diaries. She banks at Silvester's. I have glanced over her account. The last check but one paid her bill at Lausanne, but it was a large one and probably left her with cash in hand. Only one check has been drawn since." "To whom, and where?" "To Miss Marie Devine. There is nothing to show where the check was drawn. It was cashed at the Credit Lyonnais at Montpellier less than three weeks ago. The sum was fifty pounds." "And who is Miss Marie Devine?" "That also I have been able to discover. Miss Marie Devine was the maid of Lady Frances Carfax. Why she should have paid her this check we have not yet determined. I have no doubt, however, that your researches will soon clear the matter up." "MY researches!"