Chapter 15

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_ CHAPTER XV

OUR scene now changes from the wild ocean and its perils to a snug room in Fenchurch Street, the inner office of Wardlaw & Son: a large apartment, paneled with fine old mellow Spanish oak; and all the furniture in keeping; the carpet, a thick Axminster of sober colors; the chairs of oak and morocco, very substantial; a large office-table, with oaken legs like very columns, substantial; two Milner safes; a globe of unusual size with a handsome tent over it, made of roan leather, figured; the walls hung with long oak boxes, about eight inches broad, containing rolled maps of high quality and great dimensions; to consult which, oaken scepters tipped with brass hooks stood ready. With these the great maps could be drawn down and inspected; and, on being released, flew up into their wooden boxes again. Besides these were hung up a few drawings, representing outlines, and inner sections, of vessels; and, on a smaller table, lay models, almanacs, etc. The great office-table was covered with writing materials and papers, all but a square space inclosed with a little silver rail, and inside that space lay a purple morocco case about ten inches square; it was locked, and contained an exquisite portrait of Helen Rolleston.

This apartment was so situated, and the frames of the plate-glass windows so well made and substantial, that, let a storm blow a thousand ships ashore, it could not be felt, nor heard, in Wardlaw's inner office.

But appearances are deceitful; and who can wall out a sea of troubles, and the tempests of the mind?

The inmate of that office was battling for his commercial existence, under accumulated difficulties and dangers. Like those who sailed the _Proserpine's_ long-boat, upon that dirty night, which so nearly swamped her, his eye had now to be on every wave, and the sheet forever in his hand.

His measures had been ably taken; but, as will happen when clever men are driven into a corner, he had backed events rather too freely against time; had allowed too slight a margin for unforeseen delays. For instance, he had averaged the _Shannon's_ previous performances, and had calculated on her arrival too nicely. She was a fortnight overdue, and that delay brought peril.

He had also counted upon getting news of the _Proserpine._ But not a word had reached Lloyd's as yet.

At this very crisis came the panic of '66. Overend and Gurney broke; and Wardlaw's experience led him to fear that, sooner or later, there would be a run on every bank in London. Now he had borrowed 80,000 pounds at one bank, and 35,000 pounds at another. And, without his ships, could not possibly pay a quarter of the money. If the banks in question were run upon, and obliged to call in all their resources, his credit must go; and this, in his precarious position, was ruin.

He had concealed his whole condition from his father, by false book-keeping. Indeed, he had only two confidants in the world; poor old Michael Penfold, and Helen Rolleston's portrait; and even to these two he made half confidences. He dared not tell either of them all he had done, and all he was going to do.

His redeeming feature was as bright as ever. He still loved Helen Rolleston with a chaste, constant and ardent affection that did him honor. He loved money too well. But he loved Helen better. In all his troubles and worries it was his one consolation to unlock her portrait and gaze on it, and purify his soul for a few minutes. Sometimes he would apologize to it for an act of doubtful morality. "How can I risk the loss of you?" was his favorite excuse. No. He must have credit. He must have money. She must not suffer by his past imprudences. They must be repaired at any cost--for her sake.

It was ten o'clock in the morning. Mr. Penfold was sorting the letters for his employer, when a buxom young woman rushed into the outer office crying, "Oh, Mr. Penfold!" and sank into a chair breathless.

"Dear heart! what is the matter now?" said the old gentleman.

"I have had a dream, sir. I dreamed I saw Joe Wylie out on the seas, in a boat; and the wind it was a blowing and the sea a roaring to that degree as Joe looked at me, and says he, 'Pray for me, Nancy Rouse.' So I says, 'Oh, dear Joe, what is the matter? and what ever is become of the _Proserpine?'_

"'Gone to Hell!' says he. Which he knows I object to foul language. 'Gone--there--' says he, 'and I am sailing in her wake. Oh, pray for me, Nancy Rouse!' With that, I tries to pray in my dream, and screams instead, and wakes myself. Oh, Mr. Penfold, do tell me, have you got any news of the _Proserpine_ this morning?"

"What is that to you?" inquired Arthur Wardlaw, who had entered just in time to hear this last query.

"What is it to me!" cried Nancy, firing up; "it is more to me, perhaps, than it is to you, for that matter."

Penfold explained, timidly, "Sir, Mrs. Rouse is my landlady."

"Which I have never been to church with any man yet of the name of Rouse, leastways, not in my waking hours," edged in the lady.

"Miss Rouse, I should say," said Penfold, apologizing. "I beg pardon, but I thought Mrs. might sound better in a landlady. Please, sir, Mr. Wylie, the mate of the _Proserpine,_ is her--her--sweetheart."

"Not he. Leastways, he is only on trial, after a manner."

"Of course, sir--only after a manner," added Penfold, sadly perplexed. "Miss Rouse is incapable of anything else. But, if you please, m'm, I don't presume to know the exact relation;" and then with great reserve, "but you know you are anxious about him."

Miss Rouse sniffed, and threw her nose in the air--as if to throw a doubt even on that view of the matter.

"Well, madam," says Wardlaw, "I am sorry to say I can give you no information. I share your anxiety, for I have got 160,000 pounds of gold in the ship. You might inquire at Lloyd's. Direct her there, Mr. Penfold, and bring me my letters."

With this he entered his inner office, sat down, took out a golden key, opened the portrait of Helen, gazed at it, kissed it, uttered a deep sigh, and prepared to face the troubles of the day.

Penfold brought in a leathern case, like an enormous bill-book. It had thirty vertical compartments; and the names of various cities and seaports, with which Wardlaw & Son did business, were printed in gold letters on some of these compartments; on others the names of persons; and on two compartments the word "Miscellaneous." Michael brought this machine in, filled with a correspondence enough to break a man's heart to look at.

This was one of the consequences of Wardlaw's position. He durst not let his correspondence be read, and filtered, in the outer office. He opened the whole mass; sent some back into the outer office; then touched a hand-bell, and a man emerged from the small apartment adjoining his own. This was Mr. Atkins, his shorthand writer. He dictated to this man some twenty letters, which were taken down in short-hand; the man retired to copy them, and write them out in duplicate from his own notes, and this reduced the number to seven. These Wardlaw sat down to write himself, and lock up the copies.

While he was writing them, he received a visitor or two, whom he dispatched as quickly as his letters.

He was writing his last letter, when he heard in the outer office a voice he thought he knew. He got up and listened. It was so. Of all the voices in the city, this was the one it most dismayed him to hear in his office at the present crisis.

He listened on, and satisfied himself that a fatal blow was coming. He then walked quietly to his table, seated himself, and prepared to receive the stroke with external composure.

Penfold announced, "Mr. Burtenshaw."

"Show him in," said Wardlaw quietly.

Mr. Burtenshaw, one of the managers of Morland's bank, came in, and Wardlaw motioned him courteously to a chair, while he finished his letter, which took only a few moments.

While he was sealing it, he half turned to his visitor, and said, "No bad news? Morland's is safe, of course."

"Well," said Burtenshaw, "there is a run upon our bank--a severe one. We could not hope to escape the effects of the panic."

He then, after an uneasy pause, and with apparent reluctance, added, "I am requested by the other directors to assure you it is their present extremity alone, that-- In short, we are really compelled to beg you to repay the amount advanced to you by the bank."

Wardlaw showed no alarm, but great surprise. This was clever; for he felt great alarm, and no surprise.

"The 81,000 pounds," said he. "Why, that advance was upon the freight of the _Proserpine._ Forty-five thousand ounces of gold. She ought to be here by this time. She is in the Channel at this moment, no doubt."

"Excuse me; she is overdue, and the underwriters uneasy. I have made inquiries."

"At any rate, she is fully insured, and you hold the policies. Besides, the name of Wardlaw on your books should stand for bullion."

Burtenshaw shook his head. "Names are at a discount to-day, sir. We can't pay you down on the counter. Why, our depositors look cross at Bank of England notes."

To an inquiry, half ironical, whether the managers really expected him to find 81,000 pounds cash, at a few hours' notice, Burtenshaw replied, sorrowfully, that they felt for his difficulty while deploring their own; but that, after all, it was a debt. And, in short, if he could find no means of paying it, they must suspend payment for a time, and issue a statement--and--

He hesitated to complete his sentence, and Wardlaw did it for him.

"And ascribe your suspension to my inability to refund this advance?" said he, bitterly.

"I am afraid that is the construction it will bear."

Wardlaw rose, to intimate he had no more to say.

Burtenshaw, however, was not disposed to go without some clear understanding. "May I say we shall hear from you, sir?"

"Yes."

And so they wished each other good-morning; and Wardlaw sank into his chair.

In that quiet dialogue, ruin had been inflicted and received without any apparent agitation; ay, and worse than ruin--exposure.

Morland's suspension, on account of money lost by Wardlaw & Son, would at once bring old Wardlaw to London, and the affairs of the firm would be investigated, and the son's false system of bookkeeping be discovered.

He sat stupefied awhile, then put on his hat and rushed to his solicitor; on the way, he fell in with a great talker, who told him there was a rumor the _Shannon_ was lost in the Pacific.

At this he nearly fainted in the street; and his friend took him back to his office in a deplorable condition. All this time he had been feigning anxiety about the _Proserpine,_ and concealing his real anxiety about the _Shannon._ To do him justice, he lost sight of everything in the world now but Helen. He sent old Penfold in hot haste to Lloyd's, to inquire for news of the ship; and then he sat down sick at heart; and all he could do now was to open her portrait, and gaze at it through eyes blinded with tears. Even a vague rumor, which he hoped might be false, had driven all his commercial maneuvers out of him, and made all other calamities seem small.

And so they all are small, compared with the death of the creature we love.

While he sat thus, in a stupor of fear and grief, he heard a well-known voice in the outer office; and, next after Burtenshaw's, it was the one that caused him the most apprehension. It was his father's.

Wardlaw senior rarely visited the office now; and this was not his hour. So Arthur knew something extraordinary had brought him up to town. And he could not doubt that it was the panic, and that he had been to Morland's, or would go there in course of the day; but, indeed, it was more probable that he had already heard something, and was come to investigate.

Wardlaw senior entered the room.

"Good-morning, Arthur," said he. "I've got good news for you."

Arthur was quite startled by an announcement that accorded so little with his expectations.

"Good news--for _me?"_ said he, in a faint, incredulous tone.

"Ay, glorious news! Haven't you been anxious about the _Shannon?_ I have; more anxious than I would own."

Arthur started up. "The _Shannon!_ God bless you, father."

"She lies at anchor in the Mersey," roared the old man, with all a father's pride at bringing such good news. "Why, the Rollestons will be in London at 2:15. See, here is his telegram."

At this moment in ran Penfold, to tell them that the _Shannon_ was up at Lloyd's, had anchored off Liverpool last night.

There was hearty shaking of hands, and Arthur Wardlaw was the happiest man in London--for a little while.

"Got the telegram at Elmtrees, this morning, and came up by the first express," said Wardlaw senior.

The telegram was from Sir Edward Rolleston. _"Reached Liverpool last night; will be at Euston, two-fifteen."_

"Not a word from _her!"_

"Oh, there was no time to write; and ladies do not use the telegram." He added slyly, "Perhaps she thought coming in person would do as well, or better, eh!"

"But why does he telegraph you instead of me?"

"I am sure I don't know. What does it matter? Yes, I do know. It was settled months ago that he and Helen should come to me at Elmtrees, so I was the proper person to telegraph. I'll go and meet them at the station; there is plenty of time. But, I say, Arthur, have you seen the papers? Bartley Brothers obliged to wind up. Maple & Cox, of Liverpool, gone; Atlantic trading. Terry & Brown suspended, International credit gone. Old friends, some of these. Hopley & Timms, railway contractors, failed, sir; liabilities, seven hundred thousand pounds and more."

"Yes, sir," said Arthur, pompously. "1866 will long be remembered for its revelations of commercial morality."

The old gentleman, on this, asked his son, with excusable vanity, whether he had done ill in steering clear of speculation; he then congratulated him on having listened to good advice and stuck to legitimate business. "I must say, Arthur," added be, "your books are models for any trading firm."

Arthur winced in secret under this praise, for it occurred to him that in a few days his father would discover those books were all a sham and the accounts a fabrication.

However, the unpleasant topic was soon interrupted, and effectually, too; for Michael looked in, with an air of satisfaction on his benevolent countenance, and said, "Gentlemen, such an arrival! Here is Miss Rouse's sweetheart, that she dreamed was drowned."

"What is the man to me?" said Arthur peevishly. He did not recognize Wylie under that title.

"La, Mr. Arthur! why, he is the mate of the _Proserpine,_" said Penfold.

"What! Wylie! Joseph Wylie?" cried Arthur, in a sudden excitement that contrasted strangely with his previous indifference.

"What is that?" cried Wardlaw senior; "the _Proserpine;_ show him in at once."

Now this caused Arthur Wardlaw considerable anxiety; for obvious reasons he did not want his father and this sailor to exchange a word together. However, that was inevitable now. The door opened; and the bronzed face and sturdy figure of Wylie, clad in a rough pea-jacket, came slouching in.

Arthur went hastily to meet him, and gave him an expressive look of warning, even while he welcomed him in cordial accents.

"Glad to see you safe home," said Wardlaw senior.

"Thank ye, guv'nor," said Wylie. "Had a squeak for it, this time."

"Where is your ship?"

Wylie shook his head sorrowfully. "Bottom of the Pacific."

"Good heavens! What! is she lost?"

"That she is, sir. Foundered at sea, twelve hundred miles from the Horn, and more."

"And the freight? the gold?" put in Arthur, with well-feigned anxiety.

"Not an ounce saved," said Wylie, disconsolately. "A hundred and sixty thousand pounds gone to the bottom."

"Good heavens!"

"Ye see, sir," said Wylie, "the ship encountered one gale after another, and labored a good deal, first and last; and we all say her seams must have opened; for we never could find the leak that sunk her," and he cast a meaning glance at Arthur Wardlaw.

"No matter how it happened," said the old merchant. "Are we insured to the full; that is the first question?"

"To the last shilling."

"Well done, Arthur."

"But still it is most unlucky. Some weeks must elapse before the insurances can be realized, and a portion of the gold was paid for in bills at short date."

"The rest in cash?"

"Cash and merchandise."

"Then there is the proper margin. Draw on my private account, at the Bank of England."

These few simple words showed the struggling young merchant a way out of all his difficulties.

His heart leaped so, he dared not reply, lest he should excite the old gentleman's suspicions.

But ere he could well draw his breath for joy, came a freezer.

"Mr. Burtenshaw, sir."

"Bid him wait," said Arthur, aloud, and cast a look of great anxiety on Penfold, which the poor old man, with all his simplicity, comprehended well enough.

"Burtenshaw, from Morland's. What does he want of us?" said Wardlaw senior, knitting his brows.

Arthur turned cold all over. "Perhaps to ask me not to draw out my balance. It is less than usual; but they are run upon; and, as you are good enough to let me draw on you-- By the by, perhaps you will sign a check before you go to the station."

"How much do you want?"

"I really don't know, till I have consulted Penfold. The gold was a large and advantageous purchase, sir."

"No doubt; no doubt. I'll give you my signature, and you can fill in the amount."

He drew a check in favor of Arthur Wardlaw, signed it, and left him to fill in the figures.

He then looked at his watch, and remarked they would barely have time to get to the station.

"Good heavens!" cried Arthur; "and I can't go. I must learn the particulars of the loss of the _Proserpine,_ and prepare the statement at once for the underwriters."

"Well, never mind. _I_ can go."

"But what will she think of me? I ought to be the first to welcome her."

"I'll make your excuses."

"No, no; say nothing. After all, it was you who received the telegram, so you naturally meet her; but you will bring her here, father. You won't whisk my darling down to Elmtrees till you have blessed me with the sight of her."

"I will not be so cruel, fond lover," said old Wardlaw, laughing, and took up his hat and gloves to go.

Arthur went to the door with him in great anxiety, lest he should question Burtenshaw. But, peering into the outer office, he observed Burtenshaw was not there. Michael had caught his employer's anxious look and conveyed the banker into the small room where the short-hand writer was at work. But Burtenshaw was one of a struggling firm; to him every minute was an hour. He had sat, fuming with impatience, so long as he heard talking in the inner office; and, the moment it ceased, he took the liberty of coming in; so that he opened the side door just as Wardlaw senior was passing through the center door.

Instantly Wardlaw junior whipped before him, to hide his figure from his retreating father.

Wylie--who all this time had been sitting silent, looking from one to the other, and quietly puzzling out the game as well as he could--observed this movement and grinned.

As for Arthur Wardlaw, he saw his father safe out, then gave a sigh of relief, and walked to his office table and sat down and began to fill in the check.

Burtenshaw drew near and said, "I am instructed to say that fifty thousand pounds on account will be accepted."

Perhaps if this proposal had been made a few seconds sooner, the ingenious Arthur would have availed himself of it; but as it was, he preferred to take the high and mighty tone. "I decline any concession," said he. "Mr. Penfold, take this check to the Bank of England. 81,647 pounds 10s., that is the amount, capital and interest, up to noon this day. Hand the sum to Mr. Burtenshaw, taking his receipt, or, if he prefers it, pay it across his counter, to my credit. That will perhaps arrest the run."

Burtenshaw stammered out his thanks.

Wardlaw cut him short. "Good-morning, sir," said he. "I have business of _importance._ Good-day," and bowed him out.

"This is a high-flier," thought Burtenshaw.

Wardlaw then opened the side door and called his short-hand writer.

"Mr. Atkins, please step into the outer office, and don't let a soul come in to me. Mind, I am out for the day. Except to Miss Rolleston and her father."

He then closed all the doors, and sunk exhausted into a chair, muttering, "Thank Heaven! I have got rid of them all for an hour or two. _Now,_ Wylie."

Wylie seemed in no hurry to enter upon the required subject.

Said he, evasively, "Why, guv'nor, it seems to me you are among the breakers here yourself."

"Nothing of the sort, if you have managed your work cleverly. Come, tell me all, before we are interrupted again."

"Tell ye all about it! Why, there's part on't I am afraid to think on; let alone talk about it."

"Spare me your scruples, and give me your facts," said Wardlaw coldly. "First of all, did you succeed in shifting the bullion as agreed?"

The sailor appeared relieved by this question.

"Oh, that is all right," said he. "I got the bullion safe aboard the _Shannon,_ marked for lead."

"And the lead on board the _Proserpine?"_

"Ay, shipped as bullion."

"Without suspicion?"

"Not quite."

"Great Heaven! Who?"

"One clerk at the shipping agent's scented something queer, I think. James Seaton. That was the name he went by."

"Could he prove anything?"

"Nothing. He knew nothing for certain; and what he guessed won't never be known in England now." And Wylie fidgeted in his chair.

Notwithstanding this assurance Wardlaw looked grave, and took a note of that clerk's name. Then he begged Wylie to go on. "Give me all the details," said he. "Leave _me_ to judge their relative value. You scuttled the ship?"

"Don't say that! don't say that!" cried Wylie, in a low but eager voice. "Stone walls have ears." Then rather more loudly than was necessary, "Ship sprung a leak that neither the captain, nor I, nor anybody could find, to stop. Me and my men, we all think her seams opened, with stress of weather." Then, lowering his voice again, "Try and see it as we do; and don't you ever use such a word as that what come out of your lips just now. We pumped her hard; but 'twarn't no use. She filled, and we had to take to the boats."

"Stop a moment. Was there any suspicion excited?"

"Not among the crew. And suppose there was, I could talk 'em all over, or buy 'em all over, what few of 'em is left. I've got 'em all with me in one house, and they are all square, don't you fear."

"Well, but you said 'among the _crew!'_ Whom else can we have to fear?"

"Why, nobody. To be sure, one of the passengers was down on me; but what does that matter now?"

"It matters greatly--it matters terribly. Who was this passenger?"

"He called himself the Reverend John Hazel. He suspected something or other; and what with listening here, and watching there, he judged the ship was never to see England, and I always fancied he told the lady."

"What, was there a lady there?"

"Ay, worse luck, sir; and a pretty girl she was. Coming home to England to die of consumption; so our surgeon told me."

"Well, never mind her. The clergyman! This fills me with anxiety. A clerk suspecting us at Sydney, and a passenger suspecting us in the vessel. There are two witnesses against us already."

"No; only one."

"How do you make that out?"

"Why, White's clerk and the parson, they was one man."

Wardlaw stared in utter amazement.

"Don't ye believe me?" said Wylie. "I tell ye that there clerk boarded us under an alias. He had shaved off his beard; but, bless your heart, I knew him directly."

"He came to verify his suspicions," suggested Wardlaw, in a faint voice.

"Not he. He came for love of the sick girl, and nothing else; and you'll never see either him or her, if that is any comfort to you."

"Be good enough to conceal nothing. Facts must be faced."

"That is too true, sir. Well, we abandoned her, and took to the boats. I commanded one."

"And Hudson the other?"

"Hudson! No."

"Why, how was that? and what has become of him?"

"What has become of Hudson?" said Wylie, with a start. "There's a question! And not a drop to wet my lips and warm my heart. Is this a tale to tell dry? Can't ye spare a drop of brandy to a poor devil that has earned ye 150,000 pounds, and risked his life, and wrecked his soul to do it?"

Wardlaw cast a glance of contempt on him, but got up and speedily put a bottle of old brandy, a tumbler and a caraffe of water on the table before him.

Wylie drank a wineglassful neat, and gave a sort of sigh of satisfaction. And then ensued a dialogue, in which, curiously enough, the brave man was agitated, and the timid man was cool and collected. But one reason was, the latter had not imagination enough to realize things unseen, though he had caused them.

Wylie told him how Hudson got to the bottle, and would not leave the ship. "I think I see him now, with his cutlass in one hand, and his rum bottle in the other, and the waves running over his poor, silly face, as she went down. Poor Hiram! he and I had made many a trip together, before we took to this."

And Wylie shuddered, and took another gulp at the brandy.

While he was drinking to drown the picture, Wardlaw was calmly reflecting on the bare fact. "Hum," said he, "we must use that circumstance. I'll get it into the journals. Heroic captain. Went down with the ship. Who can suspect Hudson in the teeth of such a fact? Now pray go on, my good Wylie. The boats!"

"Well, sir, I had the surgeon, and ten men, and the lady's maid, on board the long-boat; and there was the parson, the sick lady, and five sailors aboard the cutter. We sailed together, till night, steering for Juan Fernandez; then a fog came on and we lost sight of the cutter, and I altered my mind and judged it best to beat to win'ard, and get into the track of ships. Which we did, and were nearly swamped in a sou' wester; but, by good luck, a Yankee whaler picked us up, and took us to Buenos Ayres, where we shipped for England, what was left of us, only four, besides myself; but I got the signatures of the others to my tale of the wreck. It is all as square as a die, I tell you."

"Well done. Well done. But, stop! the other boat, with that sham parson on board, who knows all. She will be picked up, too, perhaps."

"There is no chance for that. She was out of the tracks of trade; and, I'll tell ye the truth, sir." He poured out half a tumbler of brandy, and drank a part of it; and, now, for the first time, his hand trembled as he lifted the glass. "Some fool had put the main of her provisions aboard the longboat; that is what sticks to me, and won't let me sleep. We took a chance, but we didn't give one. I think I told you there was a woman aboard the cutter, that sick girl, sir. Oh, but it was hard lines for her, poor thing! I see her pale and calm; oh, Lord, so pale and calm; every night of my life; she kneeled aboard the cutter with her white hands a-clasped together, praying."

"Certainly, it is all very shocking," said Wardlaw; "but then, you know, if they had escaped, they would have exposed us. Believe me, it is all for the best."

Wylie looked at him with wonder. "Ay," said he, after staring at him a long time; "you can sit here at your ease, and doom a ship and risk her people's lives. But if you had to do it, and see it, and then lie awake thinking of it, you'd wish all the gold on earth had been in hell before you put your hand to such a piece of work."

Wardlaw smiled a ghastly smile. "In short," said he, "you don't mean to take the three thousand pounds I pay you for this little job."

"Oh, yes, I do; but for all the gold in Victoria I wouldn't do such a job again. And you mark my words, sir, we shall get the money, and nobody will ever be the wiser." Wardlaw rubbed his hands complacently. His egotism, coupled with his want of imagination, nearly blinded him to everything but the pecuniary feature of the business. "But," continued Wylie, "we shall never thrive on it. We have sunk a good ship, and we have as good as murdered a poor dying girl."

"Hold your tongue, ye fool!" cried Wardlaw, losing his sang-froid in a moment, for he heard somebody at the door.

It opened, and there stood a military figure in a traveling-cap--General Rolleston. _

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