must——” 

 “Suppose you forget that ‘after all,’” she said sagely. “The truth is you have played truant, haven’t you? And you must take your medicine. Go and take it like a good boy. There are but three of us, Clem.” 

 She knew how to appeal to him, and how to move him; she knew that at bottom he was fond of his father. He nodded and went, knocked at his father’s door and, tamed by his sister’s words, took his scolding—and it was a sharp scolding—with patience. Things were going well with the banker, he had had his usual four glasses of port, and he might not have spoken so sharply if the contrast between the idle and the industrious apprentice had not been thrust upon him that day with a force which had startled him. That little hint of a partnership had not been dropped without a pang. He was jealous for his son, and he spoke out. 

 “If you think,” he said, tapping the ledger before him, to give point to his words, “that because you’ve been to Cambridge this job is below you, you’re mistaken, Clement. And if you think that you can do it in your spare time, you’re still more mistaken. It’s no easy task, I can tell you, to make a bank and keep a bank, and manage your neighbor’s money as well as your own, and if you think it is, you’re wrong. To make a hundred thousand pounds is a deal harder than to make Latin verses—or to go tramping the country on a market day with your gun! That’s not business! That’s not business, and once for all, if you are not going to help me, I warn you that I must find someone who will! And I shall not have far to look!” 

 “I’m afraid, sir, that I have not got a turn for it,” Clement pleaded. 

 “But what have you a turn for? You shoot, but I’m hanged if you bring home much game. And you fish, but I suppose you give the fish away. And you’re out of town, idling and doing God knows what, three days in the week! No turn for it? No will to do it, you mean. Do you ever think,” the banker continued, joining the fingers of his two hands as he sat back in his chair, and looking over them at the culprit, “where you would be and what you would be doing if I had not toiled for you? If I had not made the business at which you do not condescend to work? I had to make my own way. My grandfather was little better than a laborer, and but for what I’ve done you might be a clerk at a pound a week, and a bad clerk, too! Or behind a shop-counter, if you liked it better. And if things go wrong with me—for I’d have you remember that nothing in this world is quite safe—that is where you may still be! Still, my 

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