machine, signal-station, whatnot, one thought was steadily repeating itself with bell-like regularity. “What if the bank’s ultimatum is, no further advance, no further advance, no further ad—--”
After breakfast, sadly resolved, he wended his way to the palace of finance, with the potentate of which he was to undergo so momentous an interview.
Heart-sick and apprehensive as he was, he could not avoid noting with quick appreciation the sights and sounds of civilisation which pressed themselves on his senses as he walked in a leisurely manner towards the Bank of New Guinea. “What wonders and miracles daily pass before one’s eyes in a city,” he said to himself, “when one has been as long away from town as I have! What a gallery of studies to a man, after a quiet bush life, is comprised in the everyday life of a large city! What processions of humanity—what light and colour! What models of art, strength, industry! What endless romances in the faces of the very men and women that pass and repass so ceaselessly! Strange and how wonderful is all this! Glorious, too, the ocean breath that fans the pale faces of the city dwellers! What would I not give for a month’s leisure and a quiet heart in which to enjoy it all!”
The solemn chime of a turret clock struck ten. It aroused Stamford to a sense of the beginning of the commercial day, and his urgent necessity to face the enemy, whose outposts were so dangerously near his fortress.
The ponderously ornate outer door of the Bank of New Guinea had but just swung open as he passed in, preceding but by a second a portly, silk-coated personage, apparently equally anxious for an early interview. He looked disappointed as he saw Stamford make his way to the manager’s room.
For one moment he hesitated, then said: “If your business is not important, sir, perhaps you won’t mind my going in first?”
“I’m sorry to say it is important,” he replied, with his customary frankness; “but I will promise you not to take up a minute more of Mr. Merton’s valuable time than I can help.”
The capitalist bowed gravely as Harold Stamford passed into the fateful reception-room, of which the very air seemed to him to be full of impalpable tragedies.
The manager’s manner was pleasant and gentlemanlike. The weather, the state of the country, and the political situation were glanced at conversationally. There was no appearance of haste to approach the purely financial topic which lay so near the thoughts of both. Then the visitor took the initiative.
“I had your letter last week about my account, Mr. Merton. What is the bank going to do in my case? I came down on purpose to see you.”
The banker’s face became grave. It was the crossing of swords, en garde as it were. And the financial duel began.
“I trust, Mr. Stamford, that we shall be able to make satisfactory arrangements. You are an old constituent, and one in whom the bank has reposed the fullest confidence; but,” here the banker pushed up his hair, and his face assumed an altered expression, “the directors have drawn my attention to the state of your account, and I feel called upon to speak decidedly. It must be reduced.”
“But how am I to reduce it? You hold all my securities. It is idle to talk thus; pardon me if I am a little brusque, but I must sell Windāhgil—sell the old place, and clear out without a penny if I do not get time—a few months of time—from the bank! You know as well as I do that it is impossible to dispose of stations now at a reasonable price. Why, you can hardly get the value of the sheep! Look at Wharton’s Bundah Creek how it was given away the other day. Fifteen thousand good sheep, run all fenced, good brick house, frontage to a navigable river. What did it bring? Six and threepence a head. Six and threepence! With everything given in, even to his furniture, poor devil! Why, the ewe cost him twelve shillings, five years before. Sale! It was a murder, a mockery! And is Windāhgil to go like that, after all my hard work? Am I and my children to be turned out penniless because the bank refuses me another year’s grace? The seasons are just as sure to change as we are to have a new moon next month. I have always paid up the interest and part of the principal regularly, have I not? I have lived upon so little too! My poor wife and children for these last long years have been so patient! Is there no mercy, not even ordinary consideration to be shown me?”
“My dear Mr. Stamford,” said the manager kindly, “do not permit yourself to be excited prematurely. Whatever happens you have my fullest sympathy. If any one receives consideration from the bank, you will do so. You have done everything that an energetic, honourable man could have done. I wish I could say the same of all our constituents. But the seasons have been against you, and you must understand that, although personally I would run any fair mercantile risk for your sake, even to the extent of straining my relations with the directors, I have not the power; I must obey orders, and these are precise. If a certain policy is decided upon by those who guide the affairs of this company, I must simply carry out instructions. Yours is a hard case, a very hard case; but you are not alone, I can tell you in confidence.”
“Is there nothing I can do?” pleaded the ruined man, instinctively beholding the last plank slipping from beneath his feet.
“Don’t give in yet,” said Merton kindly. “Get one of these newly-started Mortgage and Agency Companies to take up your account. They have been organised chiefly, I am informed, with a view to get a share of the pastoral loan business, which is now assuming such gigantic proportions. They are enabled to make easier terms than we can afford to do; though, after all, this station pawn business is not legitimate banking. If you have any friend who would join in the security it would, perhaps, smooth the way.”
“I will try,” said Stamford, a ray of hope, slender but still definite, illumining the darkness of his soul. “There may be a chance, and I thank you, Mr. Merton, for the suggestion, and your wish to aid me. Good morning!” He took his hat and passed through the waiting-room, somewhat sternly regarded by the capitalist, who promptly arose as the inner door opened. But Harold Stamford heeded him not, and threading the thronged atrium, re-entered once more the city pageant, novel and attractive to him in spite of his misery. To-day he mechanically took the seaward direction, walking far and fast until he found himself among the smaller shops and unmistakable “waterside characters” of Lower George Street. Here he remembered that there were stone stairs at which, in his boyhood’s days, he had so often watched the boats return or depart on their tiny voyages. A low stone wall defended the street on that side, while permitting a view of the buildings and operations of a wharf. Beyond lay the harbour alive with sail and steam. In his face blew freshly the salt odours of the deep, the murmuring voice of the sea wave was in his ears, the magic of the ocean stole once more into his being.
In his youth he had delighted in boating, and many a day of careless, unclouded joy could he recall, passed amid the very scenes and sounds that now lay around him. Long, happy days spent in fishing when the fair wind carried the boy sailors far away through the outer bays or even through the grand portals where the sandstone pillars have borne the fret of the South Pacific deep for uncounted centuries. The long beat back against the wind, the joyous return, the pleasant evening, the dreamless slumber. He remembered it all. What a heaven of bliss, had he but known it; and what an inferno of debt, ruin, and despair seemed yawning before him now!
He leaned over the old stone wall and watched mechanically the shadow of a passing squall deepen the colour of the blue waters of the bay. After a while, his spirits rose insensibly. He even took comfort from the fact that after the sudden tempest had brooded ominously over the darkening water, the clouds suddenly opened—the blue sky spread itself like an azure mantle over the rejoicing firmament—the golden sun reappeared, and Nature assumed the smile that is rarely far from her brow in the bright lands of the South.
“I may have another chance yet,” Stamford said to himself. “Why should I despair? Many a man now overladen with wealth has passed into
