Pedlar, the accountant, and Lionel Groome. They all stared at him in blank bewilderment as he entered. Mr. Bultiwell, emerging from behind the Times, sat with his mouth open and a black frown upon his forehead.

“Good morning, all,” Jacob remarked affably, as he sprawled in his place and put his legs up on the opposite seat.

He might have dropped a bombshell amongst them with less effect. Every newspaper was lowered, and every one stared at this bold intruder. Then they turned to Mr. Bultiwell. It seemed fittest that he [Pg 14]should deal with the matter. Unfortunately, he, too, seemed temporarily bereft of words.

[Pg 14]

“I seem to have startled you all a bit, what?” Jacob continued, with the air of one thoroughly enjoying the sensation he had produced. “I’ve got my ticket all right. Here you are,” he went on, producing it,—“first-class to Liverpool Street. Thought I’d like to have a look at you all once more. Sorry to see you’re not looking quite your old self, Mr. Bultiwell. Nasty things, these bad debts, eh? Three last week, I noticed. You’ll have to be careful down Bristol way. Things there are pretty dicky.”

“It would be more becoming on your part, sir,” Mr. Bultiwell pronounced furiously, “if you were to hold your tongue about bad debts.”

Jacob snapped his fingers.

“I don’t owe any man a farthing,” he declared.

“An undischarged bankrupt—”

“Sold again,” Jacob interrupted amiably. “Got my discharge last week.”

Mr. Bultiwell found his tongue at the same time that he lost his temper.

“So that’s the reason you’re butting in here amongst gentlemen whom you’ve lost the right to associate with!” he exclaimed. “You think because you’re whitewashed by the courts you can count yourself an honest man again, eh? You think that because—”

“Wrong—all wrong,” Jacob interrupted once [Pg 15]more, with ever-increasing geniality. “You’ll have to guess again.”

[Pg 15]

Mr. Groome—the very superior Mr. Groome, who had married a 

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