"Rubbish! Can't he get some one else to lend his name?"

"Said he had asked every one he could, and it was no use."

"Confound the fellow! Tut-tut-tut! What's to be done, Chynoweth?"

"Lend him the money."

"No, no. There, I'll let him have fifty."

"Not half enough. Better let him have it. You'll be ill, or I shall, one of these days, and if you don't let him have the money, he might give it us rather strongly."

"Absurd. He dare not."

"Well, I don't know," said Chynoweth. "When one's on one's back one is in the doctor's hands, you know."

"There: let him have the money, but it must be at higher interest. But stop a moment," continued Mr Penwynn, as his managing man's pencil gave its first grate on the slate. "You're a great friend of Rumsey: why not lend him your name to the note?"

Mr Chynoweth had no b.u.t.tons to his trousers pockets, but he went through the process of b.u.t.toning them, and looked straight now at his employer.

"How long would you keep me here if you found me weak enough to do such a thing as that, Mr Penwynn? No, no," he said, lowering his head once more, and looking through his eyebrows, "I never lend, and I never become security for any man. I shall put it down that he can have the money."

Mr Penwynn nodded, and his manager wrote down on one side and marked off on the other.

"Any thing else?"

"Wheal Carnac's for sale."

"Well, so it has been for a long time."

"Yes, but they mean to sell now, I hear; and they say it would be worth any one's while to buy it."

"Yes, so I suppose," said Mr Penwynn, smiling; "but we do not invest in mines, Chynoweth. We shall be happy to keep the account of the company, though, who start. How many have failed there?"

"Three," said Chynoweth. "There has been a deal of money thrown down that place."

Mr Penwynn nodded and entered his private room, when Chynoweth gave one ear a rub, stood his slate upon the desk, raised the flap and let it rest on his head, and then proceeded to finish his hand at whist, evidently with satisfactory results, for he smiled and rubbed his hands, placed the cards in a corner, and next proceeded to write two or three letters, one of which, concluded in affectionate terms, he afterwards tore up.

Some hours pa.s.sed, when a clerk brought in a card.

"For Mr Penwynn, sir."

"Geoffrey Trethick," said Mr Chynoweth, reading. "Take it in."

The clerk obeyed, and a few minutes later he ushered the new visitor to Carnac into Mr Penwynn's private room, where the banker and the stranger looked hard at each other for a few moments before the former pointed to a chair, his visitor being quite a different man from what he had pictured.

"Glad to see you, Mr Trethick," he said. "I have read the letters you left for me, and shall be happy to oblige my correspondent if I can; but they seem to be quite under a misapprehension as to my powers. In the first place, though, what can I do for you?"

"Do for me?" said Geoffrey, smiling. "Well, this much. I come to you, a leading man in this great mining centre."

Mr Penwynn made a deprecatory motion with his hand.

"Oh, I am no flatterer, Mr Penwynn," said the visitor, bluffly. "I merely repeat what your correspondents told me, and what find endorsed here in this place."

"Well, well," said Mr Penwynn, as if owning reluctantly to the soft impeachment, "Penwynn and Company are a little mixed up in mines--and the fisheries."

"Fisheries? Ah, that's not in my line, Mr Penwynn. But to be frank with you, sir, I want work. I am a poor younger son who decided not to take to church, law, or physic, but to try to be a mining engineer. I am a bit of a chemist, too, and have studied metallurgy as far as I could. My education has taken nearly all my little fortune, which I have, so to speak, sunk in brain-work. That brain-work I now want to sell."

"But, my dear sir," said Mr Penwynn, "I am a banker."

"Exactly. To several mining companies. Now, sir, I honestly believe that I am worth a good salary to any enterprising company," said Geoffrey, growing animated, and flushing slightly as he energetically laid his case before the smooth, polished, well-dressed man, whose carefully-cut nails gently tapped the morocco-covered table which separated him from his visitor.

"May I ask in what way?" said Mr Penwynn, smiling. "Labour is plentiful."

"Certainly," said Geoffrey. "I have, as I tell you, carefully studied metallurgy, and the various processes for obtaining ore, especially tin, and I am convinced that I could save enormously by the plans I should put in force; and, what is more, I know I could save almost half the expense in some of the processes of smelting."

"Indeed!" said Mr Penwynn, coolly.

"Yes; and also contrive a good many improvements in the sinking and pumping out of mines."

"Then you have come to the right place, Mr--Mr--Mr Geoffrey Trethick," said the banker, raising his gold-rimmed pa.s.ses to glance at the visiting-card before him.

"I hope so," said Geoffrey, with animation. "Ours is an old Cornish family, and I ought to be at home here."

"Exactly," said Mr Penwynn, sarcastically, "and you have come at the right time."

"Indeed?" said Geoffrey, eagerly.

"Most opportunely; for most of our great milking companies are in a state of bankruptcy."

"Yes, so I have heard. Well then, Mr Penwynn, if you will give me a letter or two of introduction, I should think there ought to be no difficulty in the way."

"My dear sir," said Mr Penwynn, smiling, "I'm afraid you are very sanguine."

"Well--perhaps a little, sir, but--"

"Hear me out, Mr Trethick. It seems to me you have come to the worst place in the world."

"The worst! Why so?"

"Because every one here will look upon your schemes as visionary. If you had a vast capital, and liked to spend it in experiments, well and good. People would laugh at your failures, and applaud your successes-- if you made any."

"If?" said Geoffrey, smiling. "Then, sir, you are not sanguine?"

"Not at all," said the banker. "You see, Mr Trethick, you will not find any one in this neighbourhood who will let you run risks with his capital and machinery, or tamper with the very inadequate returns that people are now getting from their mines. If you wanted a simple post as manager--"

"That's what I do want," said Geoffrey, interrupting. "The other would follow."

"I say, if you wanted a simple post as manager," continued the banker, as calmly as if he had not been interrupted, "you would not get it unless you could lay before a company of proprietors ample testimonials showing your experience in mining matters. Believe me, Mr Trethick, you, a gentleman, have come to the wrong place."