In spite of John Girdlestone's temporary satisfaction and the stoical face which he presented to the world, it is probable that in the whole of London there was no more unhappy and heart-weary man. The long fight against impending misfortune had shattered his iron constitution and weakened him both in body and in mind. It was remarked upon 'Change how much he had aged of late, and moralists commented upon the vanity and inefficacy of the wealth which could not smooth the wrinkles from the great trader's haggard visage. He was surprised himself when he looked in the glass at the change which had come over him. "Never mind," he would say in his dogged heart a hundred times a day, "they can't beat me. Do what they will, they can't beat me." This was the one thought which sustained and consoled him. The preservation of his commercial credit had become the aim and object of his life, to which there was nothing that he was not prepared to sacrifice. His cunningly devised speculation in diamonds had failed, but this failure had been due to an accident which could neither have been foreseen nor remedied. To carry out this scheme he had, as we have seen, been obliged to borrow money, which had now to be repaid. This he had managed to do, more or less completely, by the sale of the stones which Ezra had brought home, supplemented by the recent profits of the firm. There was still the original deficit to be faced, and John Girdlestone knew that though a settlement might be postponed from month to month, still the day must come, and come soon, when his debts must be met, or his inability to meet them become apparent to the whole world. Should Ezra be successful in his wooing and his ward's forty thousand pounds be thrown into the scale, the firm would shake itself clear from the load which oppressed it. Supposing, however, that Kate were to refuse his son. What was to occur then? The will was so worded that there appeared to be no other way of obtaining the money. A very vulpine look would come over the old man's face as he brooded over that problem.