"My clients are such a mean lot," she complained. "Now that they have got over the novelty of being driven in a taxicab by a woman, they are positively stingy. Even Jimmy here only gave me a sovereign for picking him up at St. James' Street, waiting twenty minutes at his tailor's, and bringing him on here. What is it that you're going to advise your clients to leave alone, please, Mr. White?" "British and Imperial Granaries." The young man--the Honourable James Wilshaw--suddenly dropped his eyeglass and assumed an anxious expression. "I say, what's wrong with them, White?" he demanded. "They're large holders of wheat, and wheat's going up all the time." "Wheat's going up because they're buying," was the dry comment. "Directly they leave off it will drop, and when it begins to drop, look out for a slump in B. & I.'s." The young man relapsed into a seat by Sarah's side and swung an immaculately trousered leg. "But look here, Maurice, my boy, why should they leave off buying, eh?" he enquired. "Because," the other explained, "there is a little more wheat in the world than the B. & I. have money for." "I can give you a further reason," Kendrick intervened, "for leaving B. & I.'s severely alone. There is at the present moment on his way to this country---if he is not already here, by the by--one of the shrewdest and finest speculators in the world, who is coming over on purpose to do what up to now our own men seem to have funked--fight the B. & I. tooth and nail." "Who's that, Ken?" Maurice White asked with interest. "Why haven't I heard about him before?" "Because," Kendrick replied, "he wrote and told me that he was coming and marked his letter 'Private,' so I thought that I had better keep it to myself. His boat was due in Liverpool several days ago, though, so I suppose that any one who is interested knows all about his coming by this time." "But his name?" Sarah demanded. "Why don't you tell us his name and all about him? I love American millionaires who do things in Wall Street and fight with billions. If he's really nice, he may take me off your hands, Jimmy." "I'd like to see him try," that young man growled, with unexpected fierceness. "Well, his name is John Philip Wingate," Kendrick told them. "He started life, I believe, as a journalist. Then he inherited a fortune and made another one on Wall Street, where I imagine he came across Dreadnought Phipps. What happened I don't exactly know," he went on ruminatively. "Phipps couldn't have squeezed him, or we should have heard about it, but somehow or other the two got at loggerheads, for it's common knowledge amongst their business connections--I don't know that they have any friends--that Wingate has sworn to break Phipps. There will be quite a commotion in the City when it gets about that Wingate is here or on his way over."