"But, my dear man, this isn't for you at all?"

"I didn't say it was."

"Syvertsen--Syvertsen--what's he got to do with it?"

"Well, you see, he's a young man reading for the Church, and consequently in need of cash. So I argued it out like this: an old sinner like myself ought to keep on good terms with the clergy; wherefore I undertook to act as first signatory in the present instance, making myself responsible for the interest. Now I want you to sign as second, guaranteeing the repayments; in consideration of which, you might reasonably demand the services of a priest, free of charge, at your third wedding."

When Vindt had left, Holm fell to pondering over various little circ.u.mstances that he had not particularly noticed before. It occurred to him now, that for the last fortnight he had had a message from Mrs. Rantzau almost every day, asking him to come and see her at nine o'clock precisely, on important business!

And, thinking over this, he called to mind that he had on nearly every occasion encountered Hermansen at the same time. It could mean but one thing, she had been using him to bring the banker up to the scratch. Well--much good might it do her! "She'll get a fine husband--oh, a remarkably fine husband," muttered Holm to himself with a sly chuckle.

He walked over to the window and looked across at the bank. It seemed in some curious way to have grown smaller; the great gilt letters, "BANK," above the entrance, were no longer impressive.

Strange, how quiet it was in the shop to-day! Not a sound but Garner counting over the cash, putting the ten-shilling notes in bundles of ten, and the small silver coins in paper rolls.

Miss Rantzau was away, and had not even sent a message.

"Have you seen anything of my son to-day, Garner?"

Garner laughed and showed his teeth. "He--he--no. Isn't he down at the quay, then? No, I don't know...."

Holm perceived that there was something in the wind, and refrained from further inquiries.

A little later the maid came in: would Mr. Holm please come upstairs, there was a lady to see him.

It was Mrs. Rantzau. She was all in black and looked very handsome indeed. Holm could not help admiring her magnificent figure, and thought to himself that Hermansen certainly seemed to have made a better bargain here than recently with the Spaniard.

"I dare say you are surprised to see me here now," Mrs. Rantzau began. "But exceptional circ.u.mstances...." she flushed, and broke off in some confusion.

"Heard the news, my dear lady. Congratulations! You've found an excellent husband, a thorough----" he checked himself, hesitating between compliment and sincerity.

"You know my past, Holm, and you will not wonder at my seeking a safe haven after my troubled life--and I hope and believe he will never have reason to regret."

"Indeed not, my dear lady; he's a very lucky man if you ask me. And at his age, too----"

"I don't think he's any older than yourself, Holm," put in Mrs.

Rantzau, with a smile.

"Well, perhaps not--but he looks it, anyway."

"There was one thing more, Mr. Holm. My daughter's future is more to me even than my own, and it is chiefly on her account that I have come."

"Aha, I thought as much. So you're in the plot as well, of course?"

"The plot?"

"Yes, it _is_ a plot. First there's William turns as contrary as a rusty lock, then they set Miss Trap on to me, and now it's you!"

"Well--I came to tell you that the two young people love each other.

Be good to them, Holm, and you will make your son and my daughter happy together."

"And by doing so I become a sort of relation of--of Banker Hermansen?"

"Well, is there anything wrong in that?"

"Hermansen and I as a sort of--well, what should we be? Can't be each other's half-uncles--twins-in-law. Bless my soul, it's really almost comical!"

"It's a serious matter to me, Holm. My child's future...." There were tears in her eyes as she spoke.

"My dear lady, for Heaven's sake don't let's turn serious. I simply can't stand that sort of wedding-day solemnity, weeping on one another's necks as if it were a funeral. It simply comes to this: I've been had. Well, the only thing to do is to put the best face on it one can."

She held out her hand. "Thanks, Holm. Thanks. I can a.s.sure you I shall never forget all your kindness. You are a good man, Holm."

"Thanks for the unsolicited testimonial. Well, I dare say I might be worse. And when it comes to getting out one's final balance-sheet, it's as well to have a little on the credit side here and there."

He walked across to the window and stood for some time without speaking.

"Have you seen William to-day?" he said at last.

"Yes, he came round to see us, and walked back here with me. I expect he's in the office now."

"Well, we'd better have him up, and get the matter settled out of hand at once."

As he was moving towards the door, Bramsen looked in.

"Beg pardon, Mr. Holm," he began, then stopped and stood looking from one to the other. "Er--h'm. Hopes I don't intrude?"

"Not a bit, Bramsen; come in! What's the trouble?"

"Why, 'twas just a bit of a private matter, if...."

Holm went over to him. "Anything wrong, Bramsen?"

"Andrine's come home and chucked the Salvationing business for good and all."

"Why, so much the better."

"Ay, but there's the book...."

"What book?"

"The savings-bank book--she wants it back. And now there's nothing in it, for when I bought the ship, d'you see...."

"We must talk it over later, Bramsen. I'm busy just now."

"Busy, eh? I see," said Bramsen, looking sideways at Mrs. Rantzau.

And, lowering his voice, he whispered slyly, "_That's a fine one you've got there!_" and retired.

"Bramsen," Holm called after him, "tell William to come up, will you?