John Worlington Dodds had many of the gifts which lead a speculator to success. He was quick in observing, just in estimating, prompt and fearless in acting. But in finance there is always the element of luck, which, however one may eliminate it, still remains, like the blank at roulette, a constantly present handicap upon the operator. And so it was that Worlington Dodds had come to grief. On the best advices he had dabbled in the funds of a South American Republic in the days before South American Republics had been found out. The Republic defaulted, and Dodds lost his money. He had bulled the shares of a Scotch railway, and a four months’ strike had hit him hard. He had helped to underwrite a coffee company in the hope that the public would come along upon the feed and gradually nibble away some of his holding, but the political sky had been clouded and the public had refused to invest. Everything which he had touched had gone wrong, and now, on the eve of his marriage, young, clear-headed, and energetic, he was actually a bankrupt had his creditors chosen to make him one. But the Stock Exchange is an indulgent body. What is the case of one to-day may be that of another to-morrow, and everyone is interested in seeing that the stricken man is given time to rise again. So the burden of Worlington Dodds was lightened for him; many shoulders helped to bear it, and he was able to go for a little summer tour into Ireland, for the doctors had ordered him rest and change of air to restore his shaken nervous system. Thus it was that upon the 15th of July, 1870, he found himself at his breakfast in the fly-blown coffee-room of the “George Hotel” in the market square of Dunsloe. It is a dull and depressing coffee-room, and one which is usually empty, but on this particular day it was as crowded and noisy as that of any London hotel. Every table was occupied, and a thick smell of fried bacon and of fish hung in the air. Heavily booted men clattered in and out, spurs jingled, riding-crops were stacked in corners, and there was a general atmosphere of horse. The conversation, too, was of nothing else. From every side Worlington Dodds heard of yearlings, of windgalls, of roarers, of spavins, of cribsuckers, of a hundred other terms which were as unintelligible to him as his own Stock Exchange jargon would have been to the company. He asked the waiter for the reason of it all, and the waiter was an astonished man that there should be any man in this world who did not know it. “Shure it’s the Dunsloe horse fair, your honour--the greatest horse-fair in all Oireland. It lasts for a wake, and the folk come from far an’ near--from England an’ Scotland an’ iverywhere. If you look out of the winder, your honour, you’ll see the horses, and it’s asy your honour’s conscience must be, or you wouldn’t slape so sound that the creatures didn’t rouse you with their clatter.”