As the Vicar sat there an irresistible longing came over him to unburden his mind of the trouble that was crushing him down--so utterly down that, as he sat on the Embankment, he had more than once been tempted to make an end of everything in the cold grey river running so swiftly within a few yards of his feet. Well, he yielded to the longing and did unburden himself. The story he had to tell, although sad enough, was by no means an uncommon one. He had been induced--he did not say by whom or what--to invest the whole of his savings, painfully accumulated, a few pounds at a time, during a long course of years, in some American mining shares of which only half the nominal capital had been subscribed. The concern had been paying an intermittent dividend for three or four years, and there seemed no likelihood that the shareholders would ever be called upon to disburse the remainder of the capital. The sudden flooding of the mine had, however, entirely altered the complexion of affairs. A large sum was needed to enable it to be got into working order again, and a heavy call was at once made, something like six hundred pounds being demanded from the Rev. Louth Sudlow as his portion thereof. Now, the whole of the Vicar's available resources did not amount to more than one-sixth of the sum in question. The predicament was a serious one--so serious, in point of fact, that Mrs. Sudlow, in a moment of desperation, had been induced to appeal for help to her kinsman, the Earl of Beaumaris. The answer to that appeal had been a curt refusal. After that, as a last resource, the Vicar had come up to London in the hope of being able to borrow the required sum from an old college chum with whom he still kept up a desultory correspondence. Here again disappointment awaited him. His friend had gone on a voyage to the antipodes for the benefit of his health, and was not expected back for some months. Ruin stared the unhappy man in the face, and he had been wandering about the streets for some hours, lacking courage to carry back home the story of his failure, when Phil chanced to encounter him. Such was the story poured forth by the Vicar, brokenly and with many pauses and hesitations, to his sympathising listeners. But when, an hour later, he went down on his knees in his bedroom he had been made happy by the assurance that the morrow should see his troubles at an end. Next forenoon Mrs. Winslade went into the City and sought an interview with her broker. When, later in the day, Phil saw the Vicar off at the terminus on his way to Iselford, the heart of the latter was too full to find expression in words. There was a last handshake, a fervent "God bless you!" and then, as the wheels of the train began to revolve, he was fain to turn away his face and hide the emotion which would no longer be controlled. CHAPTER XVIII. AN UNLOOKED-FOR DEVELOPMENT.