But when the business of replenishing the cashier's till had been gone through, Mr. Westwood retired to watch the operations incidental to the cashing of the cheques. The technique of the transaction was much more tedious than it usually was; for as every cheque presented was drawn for the balance of an account, the cashier had to verify the figures, which involved the working out of two sums in compound addition, whereas the normal work of cashing a cheque required only a glance at the figures. Rapidly though the cashier now made his calculations, several minutes were still occupied in comparing the figures, and in more than one instance it was found that the drawer of the cheque had made a mistake in his addition through his haste in writing up his pass-book. It became perfectly plain to every one, especially those applicants who were still very far in the background, that only a small proportion of the cheques could be paid up to the time of the bank closing its doors. Dissatisfied murmurs filled the office; outside there was a clamour of many voices. At this point Mr. Westwood came forward. “It is quite plain, ladies and gentlemen,” said he, addressing the crowd, “that at the present rate of cashing your cheques, not a tenth of you can be satisfied to-day. I will therefore instruct my cashier to give you gold for your cheques without going too closely into the exact balance. I will trust to the honour of the customers of the bank to make good to-morrow any error they have made in their figures, and I have also given instructions for the doors of the bank to remain open an hour longer than usual.” There was a distinct brightening of faces in the neighbourhood of the cashier's desk, and a cheer came from the people beyond. It was plain that the production of the bag of gold and the dummy bag had done much to allay the panic, but it was also plain that the confidence shown by Mr. Westwood in the resources of the bank to meet the severest strain, had done much more than his adroit handling of the gold to restore the shaken trust of his customers. Fully a dozen men pushed their cheques into their pockets and left the bank. Their departure, however, only served to make room for the entrance of an equal number of the crowd who had not been able to crush their way into the bank previously. Mr. Westwood leant across the counter and chatted with one of the tradesmen who had been in the front rank of those who wished to draw out their balance. He now said to the banker that he had come to make an inquiry about a bill of his drawn upon a trader in a neighbouring town; he was anxious to know if it had been honoured. The bill clerk had given him the information, and now he was doing his best to respond to the friendly chat of Mr. Westwood.