"And you should be the last to grumble at this," he quietly interrupted, "for you have spent some very pleasant half-hours already, listening to what you have termed my 'cock-and-bull' stories. You know the English Provident Bank, of course, in Oxford Street; there were plenty of sketches of it at the time in the illustrated papers. Here is a photo of the outside. I took it myself some time ago, and only wish I had been cheeky or lucky enough to get a snap-shot of the interior. But you see that the office has a separate entrance from the rest of the house, which was, and still is, as is usual in such cases, inhabited by the manager and his family. "Mr. Ireland was the manager then; it was less than six months ago. He lived over the bank, with his wife and family, consisting of a son, who was clerk in the business, and two or three younger children. The house is really smaller than it looks on this photo, for it has no depth, and only one set of rooms on each floor looking out into the street, the back of the house being nothing but the staircase. Mr. Ireland and his family, therefore, occupied the whole of it. "As for the business premises, they were, and, in fact, are, of the usual pattern; an office with its rows of desks, clerks, and cashiers, and beyond, through a glass door, the manager's private room, with the ponderous safe, and desk, and so on. "The private room has a door into the hall of the house, so that the manager is not obliged to go out into the street in order to go to business. There are no living-rooms on the ground floor, and the house has no basement. "I am obliged to put all these architectural details before you, though they may sound rather dry and uninteresting, but they are really necessary in order to make my argument clear. "At night, of course, the bank premises are barred and bolted against the street, and as an additional precaution there is always a night watchman in the office. As I mentioned before, there is only a glass door between the office and the manager's private room. This, of course, accounted for the fact that the night watchman heard all that he did hear, on that memorable night, and so helped further to entangle the thread of that impenetrable mystery. "Mr. Ireland as a rule went into his office every morning a little before ten o'clock, but on that particular morning, for some reason which he never could or would explain, he went down before having his breakfast at about nine o'clock. Mrs. Ireland stated subsequently that, not hearing him return, she sent the servant down to tell the master that breakfast was getting cold. The girl's shrieks were the first intimation that something alarming had occurred. "Mrs. Ireland hastened downstairs. On reaching the hall she found the door of her husband's room open, and it was from there that the girl's shrieks proceeded.