"Was it? Are you sure? You do remember offering me a cheque last month, and my refusing it?"
"Why, of course I do!" cried Raffles, with such spontaneous heartiness that I could see he had never thought of it since mentioning the matter to me at our meal. What I could not see was any reason for such conspicuous relief, or the extenuating quality of a circumstance which seemed to me rather to aggravate the offence.
"I have regretted that refusal ever since," young Garland continued very simply. "It was a mistake at the time, but this week of all weeks it's been a tragedy. Money I must have; I'll tell you why directly. When I got your wire last night it seemed as though my wretched prayers had been answered. I was going to someone else this morning, but I made up my mind to wait for you instead. You were the one I really could turn to, and yet I refused your great offer a month ago. But you said you would be back to-night; and you weren't here when I came. I telephoned and found that the train had come in all right, and that there wasn't another until the morning. Tomorrow morning's my limit, and to-morrow's the match." He stopped as he saw what Raffles was doing. "Don't, Raffles, I don't deserve it!" he added in fresh distress.
But Raffles had unlocked the tantalus and found a syphon in the corner cupboard, and it was a very yellow bumper that he handed to the guilty youth.
"Drink some," he said, "or I won't listen to another word."
"I'm going to be ruined before the match begins. I am!" the poor fellow insisted, turning to me when Raffles shook his head. "And it'll break my father's heart, and—and—"
I thought he had worse still to tell us, he broke off in such despair; but either he changed his mind, or the current of his thoughts set inward in spite of him, for when he spoke again it was to offer us both a further explanation of his conduct.
"I only came up to leave a line for Raffles," he said to me, "in case he did get back in time. It was the porter himself who fixed me up at that bureau. He'll tell you how many times I had called before. And then I saw before my nose in one pigeon-hole your cheque-book, Raffles, and your pass-book bulging with old cheques."
"And as I wasn't back to write one for you," said Raffles, "you wrote it for me. And quite right, too!"
"Don't laugh at me!" cried the boy, his lost colour rushing back. And he looked at me again as though my long face hurt him less than the sprightly sympathy of his friend.
"I'm not laughing, Teddy," replied Raffles kindly. "I was never more serious in my life. It was playing the friend to come to me at all in your fix, but it was the act of a real good pal to draw on me behind my back rather than let me feel I'd ruined you by not turning up in time. You may shake your head as hard as you like, but I never was paid a higher compliment."
And the consummate casuist went on working a congenial vein until a less miserable sinner might have been persuaded that he had done nothing really dishonourable; but young Garland had the grace neither to make nor to accept any excuse for his own conduct. I never heard a man more down upon himself, or confession of error couched in stronger terms; and yet there was something so sincere and ingenuous in his remorse, something that Raffles and I had lost so long ago, that in our hearts I am sure we took his follies more seriously than our own crimes. But foolish he indeed had been, if not criminally foolish as he said. It was the old story of the prodigal son of an indulgent father. There had been, as I suspected, a certain amount of youthful riot which the influence of Raffles had already quelled; but there had also been much reckless extravagance, of which Raffles naturally knew less, since your scapegrace is constitutionally quicker to confess himself as such than as a fool. Suffice it that this one had thrown himself on his father's generosity, only to find that the father himself was in financial straits.
"What!" cried Raffles, "with that house on his hands?"
"I knew it would surprise you," said Teddy Garland. "I can't understand it myself; he gave me no particulars, but the mere fact was enough for me. I simply couldn't tell my father everything after that. He wrote me a cheque for all I did own up to, but I could see it was such a tooth that I swore I'd never come on him to pay another farthing. And I never will!"
The boy took a sip from his glass, for his voice had faltered, and then he paused to light another cigarette, because the last had gone out between his fingers. So sensitive and yet so desperate was the blonde young face, with the creased forehead and the nervous mouth, that I saw Raffles look another way until the match was blown out.
"But at the time I might have done worse, and did," said Teddy, "a thousand times! I went to the Jews. That's the whole trouble. There were more debts—debts of honour—and to square up I went to the Jews. It was only a matter of two or three hundred to start with; but you may know, though I didn't, what a snowball the smallest sum becomes in the hands of those devils. I borrowed three hundred and signed a promissory note for four hundred and fifty-six."
"Only fifty per cent!" said Raffles. "You got off cheap if the percentage was per annum."
"Wait a bit! It was by way of being even more reasonable than that. The four hundred and fifty-six was repayable in monthly instalments of twenty quid, and I kept them up religiously until the sixth payment fell due. That was soon after Christmas, when one's always hard up, and for the first time I was a day or two late—not more, mind you; yet what do you suppose happened? My cheque was returned, and the whole blessed balance demanded on the nail!"
Raffles was following intently, with that complete concentration which was a signal force in his equipment. His face no longer changed at anything he heard; it was as strenuously attentive as that of any judge upon the bench. Never had I clearer vision of the man he might have been but for the kink in his nature which had made him what he was.
"The promissory note was for four-fifty-six," said he, "and this sudden demand was for the lot less the hundred you had paid?"
"That's it."
"What did you do?" I asked, not to seem behind Raffles in my grasp of the case.
"Told them to take my instalment or go to blazes for the rest!"
"And they?"
"Absolutely drop the whole thing until this very week, and then come down on me for—what do you suppose?"
"Getting on for a thousand," said Raffles after a moment's thought.
"Nonsense!" I cried. Garland looked astonished too.
"Raffles knows all about it," said he. "Seven hundred was the actual figure. I needn't tell you I have given the bounders a wide berth since the day I raised the wind; but I went and had it out with them over this. And half the seven hundred is for default interest, I'll trouble you, from the beginning of January down to date!"
"Had you agreed to that?"
"Not to my recollection, but there it was as plain as a pikestaff on my promissory note. A halfpenny in the shilling per week over and above everything else when the original interest wasn't forthcoming."
"Printed or written on your note of hand?"
"Printed—printed small, I needn't tell you—but quite large enough for me to read when I signed the cursed bond. In fact I believe I did read it; but a halfpenny a week! Who could ever believe it would mount up like that? But it does; it's right enough, and the long and short of it is that unless I pay up by twelve o'clock to-morrow the governor's to be called in to say whether he'll pay up for me or see me made a bankrupt
