Since money is the fount of all modern romantic adventure, the City of London, which holds more money to the square yard than any other place in the world, is the most romantic of cities. This is a profound truth, but people will not recognise it. There is no more prosaic person than your bank clerk, who ladles out romance from nine to four with a copper trowel without knowing it. There is no more prosaic building than your stone-faced banking office, which hums with romance all day, and never guesses what a palace of wonders it is. The truth, however, remains; and some time in the future it will be universally admitted. And if the City, as a whole, is romantic, its banks are doubly and trebly romantic. Nothing is more marvellous than the rapid growth of our banking system, which is twice as great now as it was twenty years ago—and it was great enough then.

Such were the reflections of a young man who, on a June morning, stood motionless on the busy pavement opposite the headquarters of the British and Scottish Banking Company, Limited, in King William Street, City. He was a man of medium size, fair, thick-set, well-dressed, and wearing gold-rimmed spectacles. The casual observer might have taken him for a superior sort of clerk, but the perfect style of his boots, his gloves, and his hat precluded such a possibility; it is in the second-rate finish of his extremities that the superior clerk, often gorgeous in a new frock-coat, betrays himself. This particular young man, the tenor of whose thoughts showed that he possessed imagination—the rarest of all qualities except honesty—had once been a clerk, but he was a clerk no longer.

He looked at his watch; it showed three minutes to twelve o’clock. He waited another minute, and then crossed through the traffic and entered the sober and forbidding portals of the bank. He had never before been inside a City bank, and the animated scene, to which many glass partitions gave an air of mystery, would have bewildered him had he not long since formed the immutable habit of never allowing himself to be bewildered. Ignoring all the bustle which centred round the various cash desks lettered A to F, G to M, and so on, he turned unhesitatingly to an official who stood behind a little solitary counter.

‘Sir?’ said the official blandly; it was his sole duty to be bland (and firm) to customers and possible customers of an inquiring turn of mind.

‘I have an appointment with Mr. Simon Lock,’ said the young man.

The official intensified his blandness at the mention of the august name of the chairman of the British and Scottish Banking Company, Limited.

‘Mr. Lock is engaged with the Board,’ he said.

‘I have an appointment with the Board,’ said the young man. ‘My card;’ and he produced the pasteboard of civilization.

The official read:

Mr. Richard Redgrave, M.A.,

Specialist.

‘In that case,’ said the official, now a miracle of blandness, ‘be good enough to step this way.’ Mr. Richard Redgrave stepped that way, and presently found himself in front of a mahogany door, on which was painted the legend, ‘Directors’ Parlour’—not ‘Board Room,’ but ‘Directors’ Parlour.’ The British and Scottish was not an ancient corporation with a century or two of traditions; it was merely a joint-stock company some thirty years of age. But it had prospered exceedingly, and the directors, especially Mr. Simon Lock, liked to seem quaint and old-fashioned in trifles. Such harmless affectations helped to impress customers and to increase business. The official knocked, and entered the parlour with as much solemnity as though he had been entering a mosque or the tomb of Napoleon. Fifty millions of deposits were manoeuvred from day to day in that parlour, and the careers of eight hundred clerks depended on words spoken therein. Then Mr. Richard Redgrave was invited to enter. His foot sank into the deep pile of a Persian carpet. The official closed the door. The specialist was alone with three of the directors of the British and Scottish Bank.

‘Please take a seat, Redgrave,’ said Lord Dolmer, the only one of the trio with whom Richard was personally acquainted, and to whom he owed this introduction. ‘We shall not keep you waiting more than a minute or two.’

The other directors did not look up. All three were rapidly signing papers.

Richard occupied a chair upholstered in red leather, next the door, and surveyed the room. It was a large and lofty apartment, simply but massively furnished in mahogany. A table of superb solidity and vast acreage filled the middle space—such a table as only a bank director could comfortably sit at. As Richard gazed at that article of furniture and listened to the busy scratching of pens, he saw, with the prophetic vision characteristic of all men who are born to success, that a crisis in his life was at hand. He had steadily risen throughout his brief life, but he had never before risen so high as a bank parlour, and the parlour of such a bank! His history, though a short one, was curious. He came to London from Westmoreland at the age of nineteen as a clerk in the Customs. From the first he regarded his clerkship merely as a means to an end; what end he had yet to ascertain. He paid particular attention to his clothes, joined a large political club, and kept his eyes open. His personal stock-in-trade consisted of a rather distinguished appearance, a quiet, deliberate, and confident voice and manner, an imperturbable good temper which nothing could affect, and a firm belief that he could do anything a little better than the average doer of that thing. He desired a University degree, and by working at night for four years obtained the M.A. of London. He practised a little journalism of the sensational kind, and did fairly well at that, but abandoned it because the profits were not large enough. One Sunday he was cycling down the Portsmouth Road, and had reached an hotel between twenty and thirty miles from London, when he met with his first real chance. A motor-tricycle had unaccountably disappeared from the hotel during luncheon. The landlord and the owner of the tricycle were arguing as to the former’s liability. Redgrave listened discreetly, and then went to examine the barnlike coach-house from which the motor-tricycle had been spirited away. Soon the owner, who had instructed the police and bullied the landlord, and was now forced to kick his angry heels till the departure of the afternoon train back to London, joined him in the coach-house. The two began to talk.

‘You are Lord Dolmer,’ said Redgrave at length.

‘How do you know that?’ asked the other quickly.

He was a black-haired man of forty, simply dressed, and of quiet demeanour, save of unusual excitement.

‘I have seen you at the Constitutional Club, of which I am a member. Did you know that a motor-tricycle disappeared from this same hotel a fortnight ago?’

Lord Dolmer was impressed by the youth’s manner.

‘No,’ he said; ‘is that really so?’

‘Yes,’ said Redgrave, ‘only a fortnight ago. Strange coincidence, isn’t it?’

‘Who are you? You seem to know something,’ said Lord Dolmer.

Redgrave gave his name, and added:

‘I am an officer in the Customs.’

That sounded well.

‘I fancy I could trace your tricycle, if you gave me time,’ he said.

‘I will give you not only time, but money,’ the peer replied.

‘We will talk about that later,’ said Redgrave.

Until that hour Richard had no thought of assuming the rÔle of detective or private inquiry agent; but he saw no reason why he should not assume such a rÔle, and with success. He calmly determined to trace the missing tricycle. By a stroke of what is called luck, he found it before Lord Dolmer’s train left. Over half of the coach-house was a loft in the roof. Richard chanced to see a set of pulleys in the rafters. He climbed up; the motor-tricycle was concealed in the loft. The landlord, confronted with it, said that of course some mischievous loiterers must have hoisted it into the loft as a practical joke. The explanation was an obvious one, and Lord Dolmer was obliged to accept it. But both he and Redgrave had the gravest suspicions of the landlord, and it may be mentioned here that the latter is now in prison, though not for any sin connected with Lord Dolmer’s tricycle.

‘What do I owe you? Name your own sum,’ said Lord Dolmer to Redgrave.

‘Nothing at all,’ Redgrave answered.

He had come to a resolution on the instant.

‘Give me some introductions to your friends.

It is the ambition of my life to conduct important private inquiries, and you must know plenty of people who stand in need of such a man as I.’

Lord Dolmer was poor—for a lord—and eked out a bare competence by being a guinea-pig in the City, a perfectly respectable and industrious guinea-pig. He agreed to Redgrave’s suggestion, asked him to dinner at his chambers in Half Moon Street, and became, in fact, friendly with the imperturbable and resourceful young man. Redgrave obtained several delicate commissions, and the result was such that in six months he abandoned his post in the Customs, and rented a small office in Adelphi Terrace. His acquaintance with Lord Dolmer continued, and when Lord Dolmer, after a lucky day on the Exchange, bought a 5-h.p. motor-car, these two went about the country together. Redgrave was soon able to manage a motor-car like an expert, and foreseeing that motor-cars would certainly acquire a high importance in the world, he cultivated relations with the firm of manufacturers from whom Lord Dolman had purchased his car. Then came a spell of ill-luck. The demand for a private inquiry agent of exceptional ability (a ‘specialist,’ as Richard described himself) seemed to die out. Richard had nothing to do, and was on the point of turning his wits in another direction, when he received a note from Lord Dolmer to the effect that Mr. Simon Lock and the directors of the British and Scottish had some business for him if he cared to undertake it.

Hence his advent in King William Street.

‘Let me introduce you,’ said Lord Dolmer, beckoning Redgrave from his chair near the door, ‘to our chairman, Mr. Simon Lock, whose name is doubtless familiar to you, and to my co-director, Sir Charles Custer.’

Redgrave bowed, and the two financiers nodded.

‘Take that chair, Mr. Redgrave,’ said Simon Lock, indicating a fourth chair at the table.

Simon Lock, a middle-aged man with gray hair, glinting gray eyes, a short moustache, and no beard, was one of the kings of finance. He had the monarchical manner, modified by an occasional gruff pleasantry. The British and Scottish was only one of various undertakings in which he was interested; he was, for example, at the head of a powerful group of Westralian mining companies, but here, as in all the others, he was the undisputed master. When he spoke Lord Dolmer and Sir Charles Custer held their tongues.

‘We have sent for you on Lord Dolmer’s recommendation—a very hearty recommendation, I may say,’ Simon Lock began. ‘He tells us that you have a particular partiality for motor-car cases’—Richard returned Simon Lock’s faint smile—‘and so you ought to be specially useful to us in our dilemma. I will explain the circumstance as simply as possible. Will you make notes?’

‘I never write down these details,’ said Richard. ‘It is safer not to. My memory is quite reliable.’

Simon Lock nodded twice quickly and resumed:

‘We have a branch at Kilburn, in the High Street, under the managership of Mr. Raphael Craig. Mr. Craig has been in our service for about twenty years. His age is fifty-five. He is a widower with one daughter. He came to us from an Irish bank. Professionally, we have no fault to find with him; but for many years past he has chosen to live thirty-five miles from London, at a farmhouse between the town of Dunstable and the village of Hockliffe, in Bedfordshire. Dunstable, you may be aware, is on the old Roman road, Watling Street, which runs to Chester. He used to go up to Bedfordshire only at weekends, but of late years he has travelled between his country home and London several times a week, often daily. He owns two or three motor-cars, and has once been summoned and convicted for furious driving. It is said that he can come to London by road from Dunstable in sixty minutes. When he stays in London he sleeps over the bank premises in the suite of rooms which we provide for him, as for all our managers.’

‘You say you have no fault to find with Mr. Craig professionally,’ said Richard. ‘He does not, then, in any way neglect his duties?’

‘The reverse. He is an admirable servant, and our Kilburn branch is one of the most lucrative of all our branches. Mr. Craig has built up a wonderfully good business for us in that suburb. Let me continue. Last year but one a relative of Mr. Craig’s, an uncle or something of that sort, reputed to be crazy, died and left him a hundred thousand pounds, chiefly, one heard, in new silver coins, which the old miser had had a mania for collecting, and kept in his cellars like wine. The strange thing is that Mr. Craig, thus made rich, did not resign his position with us. Now, why should a man of large fortune trouble himself with the cares of a comparatively unimportant bank managership? That aspect of the case has struck us as somewhat suspicious.’

‘Highly suspicious,’ murmured Sir Charles Custer, M.P., out of his beard.

‘You naturally—shall I say?—resent eccentricity in any member of your staff?’ said Richard sagaciously.

‘We do, Mr. Redgrave. In a bank, eccentricity is not wanted. Further—another strange fact—a month ago the cashier of our Kilburn branch, a mediocre but worthy servant named Featherstone, a man of fifty, whose brains were insufficient to lift him beyond a cashiership, and who, outside our bank, had no chance whatever of getting a livelihood in this hard world, suddenly resigned. He would give no reason for his resignation, nor could Mr. Craig give us any reason for it. In the following week Featherstone committed suicide. No doubt you saw the affair in the papers. The man’s books were perfectly straight. He was a bachelor, and had no ties that the police could discover. Such is the brief outline of the case. Have you any questions to ask?’

Redgrave paused. When, from ignorance or any other cause, he had nothing to say, he contrived to produce an excellent effect by remaining silent and peering through his gold-rimmed spectacles. ‘Only one,’ he said. ‘What do you want to know?’

‘We don’t know what we want to know,’ said Simon Lock abruptly. ‘We want to know anything and everything. Our suspicions are too vague to be formulated, but, as directors of a great financial undertaking, we are bound to practise precautions. We do not desire to dismiss Mr. Craig without a reason. Such a course would be unfair—and unprofitable.’

‘May I define your position thus?’ said Redgrave. ‘You do not precisely fear, but you perceive the possibility of, some scandal, some revelations, which might harm the general reputation of the bank. And therefore you wish to know, first, why Mr. Craig runs about Watling Street so much on a motor-car; second, why, being possessed of a hundred thousand pounds, he still cares to work for you; and third, why this Featherstone killed himself.’

‘Just so,’ said Simon Lock, pleased.

‘Just so,’ echoed Sir Charles Custer.

Lord Dolmer gave his protÉgÉ a smile of satisfaction.

‘I will undertake to assuage your curiosity on these points,’ Redgrave said, with that air of serene confidence which came so naturally to him.

‘And your fee?’ asked Simon Lock.

‘If I fail, nothing. If I succeed I shall present my bill in due course.’

‘When shall we hear from you?’

‘In not less than a month.’

That evening Richard strolled up the Edgware Road to Kilburn, and looked at the exterior of the Kilburn branch of the British and Scottish. It presented no feature in the least extraordinary. Richard was less interested in the bank than in the road, the magnificent artery which stretches, almost in a straight line, from the Marble Arch to Chester. Truly the Roman builders of that road had a glorious disregard of everything save direction. Up hill and down dale the mighty Watling Street travels, but it never deviates. After sixty years of disuse, it had resumed its old position as a great highway through the magnificence of England. The cyclist and the motorist had rediscovered it, rejuvenating its venerable inns, raising its venerable dust, and generally giving new vitality to the leviathan after its long sleep.

To Richard Redgrave it seemed the avenue of adventure and of success. His imagination devoured the miles between Kilburn and Dunstable, and he saw the solitary farmhouse of Raphael Craig, bank manager, motorist, and inheritor of a hundred thousand pounds in virgin silver coin.