He applied for help to two mercantile men whom he had assisted in _their_ difficulties, and whose names would have satisfied the money-lender. They were most sincerely sorry--but they, too, refused The one security that he could offer was open, it must be owned, to serious objections on the score of risk. He wanted an advance of twenty thousand pounds, secured on a homeward-bound ship and cargo. But the vessel was not insured; and, at that stormy season, she was already more than a month overdue. Could grateful colleagues be blamed if they forgot their obligations when they were asked to offer pecuniary help to a merchant in this situation? Ernest returned to his office, without money and without credit.
A man threatened by ruin is in no state of mind to keep an engagement at a lady's tea-table. Ernest sent a letter of apology to Mrs. Call ender, alleging extreme pressure of business as the excuse for breaking his engagement.
"Am I to wait for an answer, sir?" the messenger asked.
"No; you are merely to leave the letter."
IV.
IN an hour's time--to Ernest's astonishment--the messenger returned with a reply.
