was cleared up, that the whole story of what Nicholas Crafer did leave behind him "equivalint unto the summe of fiftie thousand guineas" can now be told.
CHAPTER IV.
CAZALET'S BANK
Now this is the manner in which the mystery was at last cleared up in the time of Reginald Crafer, Lieutenant, R.N.
There was, and still is, in the neighbourhood that lies between Chancery Lane and Cheapside, an ancient banking establishment that is as old as the Bank of England itself-if not some years older-and that has, from its creation, been known as "Cazalet's." Yet there has been no Cazalet in the firm for nigh upon a hundred years, but, instead, the partners-of whom there are now two-boast the ancient patronymic of Jones. These Joneses are descendants, on the female side, from the last Cazalet, and in this way have become possessed of the old business; and it was when their father-for they are brothers-died, at almost the same time that Reginald's uncle passed out of existence, that a change took place, which led in a roundabout way to the writing of this narrative of "The Hispaniola Plate."
Old Mr. Jones had, I say, been gathered to all the other Joneses who had gone before him, and the two young Messrs. Jones-one aged forty-five and the other thirty-nine-decided that his decease marked a period in the existence of Cazalet's when a change ought to be made. That change was to take a shape, however, in the first instance, which caused a vast number of the people who banked with them, as well as all their senior clerks-many of them nearly as old as the late Jones himself-to shake their heads and to wonder why that late Jones did not burst forth corporeally from his grave, or, at the very least, appear in the spirit, to forbid the desecration that was about to take place. For the old house was to be pulled down-ruthlessly sacrificed to the spirit of the times, and a bran-new one was to be built up in its place!
"Well," said the ancient chief cashier-who had been there boy and man since 1843, and had grown old, and also tobacco-and-spirit-stained, during the evenings of a life spent in the service of Cazalet's-when he received the first intimation of this terrible news, "if that's going to happen it's time I was off. Lor' bless me! a new house! Well, then, they'll require some new clerks. They don't want a wreck like me in such a fine new modern building as they're going to shove up."
"Why, Mr. Creech," said a much younger employé of Cazalet's, a youth who came in airily every morning from Brixton, and was supposed to be the best lawn-tennis player in that suburb, "that's just why you ought to remain; you'll give the new show a fine old crusted air of respectability; you're a relic, you are, of the good old days. They'll never be able to do without you."
But Mr. Creech only grunted, and, it being one o'clock in the day when this conversation took place, he lifted up the lid of his desk, took some sandwiches out of a paper packet, and, applying his lips to a small flask, diffused a genial aroma of sherry-and-water around him. Yet, as he thus partook of his lunch, he wagged his head in a melancholy manner and thought how comfortable he had been for the best part of his life in the old, dingy, dirty-windowed house; it having been a standing rule of Cazalet's that the windows were never to be cleaned, and rumour had it that they had not been touched since the house was built.
That the firm "would never be able to do without him," as his cock-a-hoop junior had remarked, seemed, indeed, to be the case, and received exemplification there and then. For at that moment a bell rang in the inner sanctum where the brothers sat, and a moment afterwards the office-boy who had answered it told Mr. Creech that the "pardners wanted to see 'im;" whereon he gulped down a last drop of the sherry-and-water, wiped his mouth with the back of his hand, and went in to them, wondering "what was up now?"
"Sit down, Creech, sit down," said the "pardners" together, "we want to have a talk with you about the new house." Here Creech grunted. "Or rather," the elder one went on, "the old house;" whereon the cashier smiled, as much as to say that that was a far more congenial subject to him. Then Alfred, the elder brother, continued:
"You know more about this house, Creech, than anybody else." Creech gave a grunt again here, which tailed off into a sigh. "Why, bless my soul! you've been here five years longer than I've been in existence-there's no one else knows as much about us as you do."
"I came here a boy of sixteen," said Creech, looking at the clock on the wall as though it was a kind of calendar of his career, "and I'm sixty-five now. That makes forty-nine years. Come Easter, I've been here fifty years. It's a long while!"
"It is a long while," said the younger partner, Henry. "But you're all right, you know, Creech. Cazalet's look after those who have served them long and well. When you feel like retirement and a pension, you say so. Only, I don't know how we shall get on without you. However, the retirement is a long way off yet, I hope. Let us talk about the present."
"What we want to know is this," said Alfred, "and you're the person to tell us. What is there stored away down in the vaults below the strong room? We haven't been down there for years; not since we were boys and our father used to let us go down sometimes. There seemed to be only an awful lot of mouldering rubbish, and it'll all have to be gone over and either destroyed or fetched up before the builders go to work on the foundations."
"So there is a lot of rubbish," replied Creech, "though I haven't been down there myself for over twenty years. The last time I was down was when the Prince o' Wales went to return thanks at St. Paul's. I remember it because I found a bottle of port wine on a ledge, and we drank his health as he went by. I told your father about it afterwards, and he said it must have been some of the Waterloo port his father had had given him."
"What else is there?"
"A lot of rubbish," repeated Creech. "There's several old boxes, most of them burst open, with leases, I should say, belonging to dead and gone customers of the bank, and a heap of broken old furniture that belonged upstairs when the family lived over the bank. I found a fine copper warming-pan, that Mr. Jones made me a present of; and I think there's an old spinet down there, and broken chairs and tables, and office stuff, and a basket full of broken glass and crockery, and that sort of thing."
"Humph!" said the elder brother. "Leases, eh? We ought to look into those. If they're ours we ought to preserve them, and if they belonged to customers who have left descendants, they should be returned. They may still be of the greatest value. Who can tell?"
"My wife," said the younger, "has been filling the new house at Egerton Gardens full of the most awful-looking gimcracks I ever saw. She'll want that spinet directly she hears of it, and if she could only find another warming-pan she'd hang it up in the bedroom passages as an ornament."
"My wife," said Creech, "warms the beds with ours in the winter. It's a very good one, but I'll send it back if Mrs. Jones wants to decorate her landing."
"No," said Jones Junior, "we'll say nothing about it. There's far too much rubbish in the house already. Suppose," to his brother, "we go down into the vaults and have a look round."
This was agreed to, so down they went, after Creech had armed himself with a large paraffin candle and had rummaged out a bag full of keys of all sizes and shapes, while the elder Jones carried with him the more modern and bright keys that opened the safes and strong room. This latter they were, of course, in the habit of visiting every day, but the trap door leading to the vaults below-which was in the floor of the strong room-testified to the truth of Creech's assertion that it possibly had not been opened for twenty years. First of all, when the key was found, the lock was so rusty that it could not be turned until some oil had been brought, and then the door had stuck so that the two brothers-for Creech was no good at this work-could hardly pull it up. However, at last they got it open, and then they descended the stone steps one by one.
The place-as seen by the light of the candle-was, as the old cashier had described it, an olla-podrida of all kinds of lumber. The hamper of broken
