"I am a man of highly sensitive nature," he went on, "and my mind almost gave way under the shock when my brother James, somewhat older than myself, who occupied a prominent position in Birmingham as manager of an important private bank, was reported missing from his office under circumstances which pointed to a serious and systematic embezzlement of the bank's funds. Day by day the scandal enlarged its bounds. The bank closed its doors; hundreds of people were ruined; there were several cases of suicide among the robbed depositors; and, at last, my brother, James Ogilvey, was arrested in France, owing to a chance meeting with a man who knew him. He was brought to trial, sentenced to a long term of penal servitude, and passed into seeming oblivion accompanied by the curses of thousands. My wife and I literally could not hold up our heads among our friends in the Midlands, and, as we were not wholly dependent on my earnings, we resolved to change our name and start life anew. At that crisis, my mother died. Undoubtedly her death was hastened by my brother's wrong-doing, and it is probable that she destroyed a will already in existence, meaning to make another, but was stricken down by apoplexy before she could carry out her intention. At any rate, no will was found, so her property became intestate. This house and ground belonged to her, but she was unknown locally, as she left Elmdale more than half a century ago, so, after settling some legal matters, my wife and I determined to live here, and adopt my wife's maiden name. There was no great difficulty. I still continued to do my work, which was mainly of a specialist nature, under my own name, but in Elmdale I was always 'Stephen Garth,' and the catastrophe in the Midlands soon passed into the mists when our child was born.