The "Majestic" is one of the largest and best of the famous White Star Line fleet. Colonel Harris expected an English gentleman to arrive by this boat, and he had come on to New York to meet him, as the two had business of great importance to talk over. "I wonder," thought the colonel, "if such a thing could happen, that my cherished plan of retiring with millions, might possibly be frustrated by ship-wreck or any unlooked-for event?" Whereupon he pulled from his pocket a cablegram, to make himself doubly sure that his was not a fool's errand, and again read it in audible tones: London, May 24, 18--. _Col. Reuben Harris, Hotel Waldorf, New York._ Hugh Searles, our agent, sails May twenty-fifth on Majestic. Meet him at Hotel Waldorf, New York. Guerney & Barring. The signers of the cablegram were young bankers and brokers, occupying sumptuous quarters on Threadneedle Street, in sight of the Bank of England, the Exchange, and the Mansion House or official residence of the Lord Mayor of London. The fathers of each member of the firm had been at the head of great banking houses in London for many years, and after herculean efforts, their banks had failed. These young men had united families and forces, and resolved to win again a financial standing in the world's metropolis. Shrewdly they had opened a score of branch offices in different parts of London and county; besides they had added a brokerage business, which had drifted into an extensive specialty of promoting syndicates in America and the colonies. Their success in handling high grade manufacturing plants had been phenomenal. Already at this business they had netted two million pounds. Reliable and expert accountants were always sent by them to examine thoroughly a client's ledgers. Already, bonds that carried the approval of Guerney & Barring, found ready market on Lombard, Prince, and other financial streets near the Bank of England. Colonel Harris relighted his cigar and queried to himself, "What ought I to charge these Englishmen for a property that cost barely two millions, but that has brought to the Harris family, annually for ten years, an average of 30%, or $600,000?" At first he had fixed upon six millions as a fair price, and then finally upon five million dollars. While he thus reflected, he fell asleep. It was after eleven o'clock when the Waldorf attendant caught him, or he would have fallen from his chair to the floor. Colonel Harris gave him a piece of silver, and retired for the night. CHAPTER II HUGH SEARLES OF LONDON ARRIVES The next day was Sunday, and the Harris family slept late. Jean was first to rise, and buying the morning papers left them at Colonel Harris's door.