He had received a great shock. That same evening, as he was leaving the hotel, the clerk at the office had handed him some letters that had accumulated in his box. Vandover could never think to ask for his mail in the morning as he went in to breakfast. Something was surely wrong with his head of late. Every day he found it harder and harder to remember things. There were three letters altogether: one was the tailor's bill mailed the same day that his last suit had been finished; a second was an advertisement announcing the near opening of the Sutro Baths that were building at that time; and the third a notice from the bank calling his attention to the fact that his account was overdrawn by some sixty dollars. At first Vandover did not see the meaning of this notice, and thrust it back in his pocket together with the tailor's bill; then slowly an idea struggled into his mind. Was it possible that he no longer had any money at the bank? Was his fifteen thousand gone? From time to time his bank-book had been balanced, and invariably during the first days of each month his checks had come back to him, used and crumpled, covered with strange signatures and stamped in blue ink; but after the first few months he had never paid the least attention to these; he never kept accounts, having a veritable feminine horror of figures. But it was absurd to think that his money was gone. Pshaw! one could not spend fifteen thousand in nine months! It was preposterous! This notice was some technicality that he could not understand. He would look into it the next day. And so he dismissed the wearisome matter from his mind with a shrug of his shoulders as though ridding himself of some troublesome burden. However, the idea persisted. Somehow, between the lines of the printed form he smelt out a fresh disaster. He read it over again and again. All at once as he stood in the doorway of the hotel, turning up the collar of his waterproof and watching the little pools in the hollows of the asphalt pavement to see if it were still raining, the conviction came upon him. In a second he knew that he was ruined. The true meaning of the notice became apparent with the swiftness of a great flash of light. He had spent his fifteen thousand dollars! The blow was strong enough, sudden enough to penetrate even Vandover's clouded and distorted wits. His nerves were gone in a minute, a sudden stupefying numbness fell upon his brain, and the fear of something unknown, the immense unreasoning terror that had gripped him for the first time the morning after Ida Wade's suicide came back upon him, horrible, crushing, so that he had to shut his teeth against a wild hysterical desire to rush through the streets screaming and waving his arms.