and to have grace and power faithfully to fulfil the same."

Heath's voice had broken into a kind of sob, the sound that tells of strain and hysteria, but what was there in Mangadone to make a respectable parson strained and hysterical?

Just as Draycott Wilder stood high in the eyes of the Powers that govern the Civil Service of India, so, too, in his own way, was Craven Joicey, the Banker, a man with a solid reputation. If you build a reputation solidly for the first half of a lifetime, it will last the latter half without much attention or care, and, contrariwise, a bad beginning is frequently stronger than any reformation, and stronger than integrity that comes too late.

Joicey had begun well, and had, as the saying goes, "made his way." He was a large, heavy man, representative in figure and slow and careful of speech. He kept the secrets of his bank, and he kept his own secrets, if he had any, and was a walking tomb for confidences not known as "tender." No one would have attempted to tell him their affairs of the heart, but almost anyone with money to invest would go direct to Craven Joicey. He had no wife, no child, and, as far as anyone knew, no kith or kin, and he had no intimate friends. He had one of those strange, shut faces; a mouth that told nothing, eyes that were nearly as expressionless as the eyes of Mhtoon Pah, and he had no restless movements. A plethoric man, Joicey, a man who got up and sat down heavily, a man who looked at his business and not beyond it, and never troubled Society. He probably knew that Heath lived in Mangadone, that was if Heath banked with him; otherwise, he might easily not have known it.He knew of the Wilders. He knew what Draycott Wilder owned, and he knew that Mrs. Wilder had a very small allowance of her own, paid quarterly through a Devonshire bank, but more than this he neither knew nor wished to know of them, and he never went to their house.

Joicey had not "worn well"; there was no denying that sweating years of Burmese rains and hot weathers had made him prematurely old. His thick hair was patched with white, and his face was flabby and yellow. Craven Joicey was one of those men, who, if he had died suddenly, would have made people remember that they always thought him unhealthy-looking. There was nothing, romantic, exciting, or interesting about him; his mind was a huge pass-book, and his brain a network of facts and figures. He played no games, went only seldom to the Club, and knew no one in the place better than he knew Hartley, which was little, but at any rate Hartley dined once or twice in the year with him, and he 

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