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"It must be a strangely managed business," said the manager, "which allows men to leave it who have served for fifty years, and who are still as good as ever. Who did you serve?"

"The Queen. Heaven bless her!"

"Oh, you were in the Royal Navy. What rating did you hold?"

"I am Admiral of the Fleet."

The manager started, and sprang down from his high stool.

"My name is Admiral Hay Denver. There is my card. And here are the records of my service. I don't, you understand, want to push another man from his billet; but if you should chance to have a berth open, I should be very glad of it. I know the navigation from the Cod Banks right up to Montreal a great deal better than I know the streets of London."

The astonished manager glanced over the blue papers which his visitor had handed him. "Won't you take a chair, Admiral?" said he.

"Thank you! But I should be obliged if you would drop my title now. I told you because you asked me, but I've left the quarter-deck, and I am plain Mr. Hay Denver now."

"May I ask," said the manager, "are you the same Denver who commanded at one time on the North American station?"

"I did."

"Then it was you who got one of our boats, the Comus, off the rocks in the Bay of Fundy? The directors voted you three hundred guineas as salvage, and you refused them."

"It was an offer which should not have been made," said the Admiral sternly.

"Well, it reflects credit upon you that you should think so. If Mr. Henry were here I am sure that he would arrange this matter for you at once. As it is, I shall lay it before the directors to-day, and I am sure that they will be proud to have you in our employment, and, I hope, in some more suitable position than that which you suggest."

"I am very much obliged to you, sir," said the Admiral, and started off again, well pleased, upon his homeward journey.

Chapter 15 Still Among Shoals

Next day brought the Admiral a cheque for L5,000 from Mr. McAdam, and a stamped agreement by which he made over his pension papers to the speculative investor. It was not until he had signed and sent it off that the full significance of all that he had done broke upon him. He had sacrificed everything. His pension was gone. He had nothing save only what he could earn. But the stout old heart never quailed. He waited eagerly for a letter from the Saint Lawrence Shipping Company, and in the meanwhile he gave his landlord a quarter's notice. Hundred pound a year houses would in future be a luxury which he could not aspire to. A small lodging in some inexpensive part of London must be the substitute for his breezy Norwood villa. So be it, then! Better that a thousand fold than that his name should be associated with failure and disgrace.

On that morning Harold Denver was to meet the creditors of the firm, and to explain the situation to them. It was a hateful task, a degrading task, but he set himself to do it with quiet resolution. At home they waited in intense anxiety to learn the result of the meeting. It was late before he returned, haggard pale, like a man who has done and suffered much.

"What's this board in front of the house? he asked.

"We are going to try a little change of scene," said the Admiral. "This place is neither town nor country. But never mind that, boy. Tell us what happened in the City."

"God help me! My wretched business driving you out of house and home!" cried Harold, broken down by this fresh evidence of the effects of his misfortunes. "It is easier for me to meet my creditors than to see you two suffering so patiently for my sake."

"Tut, tut!" cried the Admiral. "There's no suffering in the matter. Mother would rather be near the theaters. That's at the bottom of it, isn't it, mother? You come and sit down here between us and tell us all about it."

Harold sat down with a loving hand in each of his.

"It's not so bad as we thought," said he, "and yet it is bad enough. I have about ten days to find the money, but I don't know which way to turn for it. Pearson, however, lied, as usual, when he spoke of L13,000. The amount is not quite L7,000."

The Admiral claped his hands. "I knew we should weather it after all! Hurrah my boy! Hip, hip, hip, hurrah!"

Harold gazed at him in surprise, while the old seaman waved his arm above his head and bellowed out three stentorian cheers. "Where am I to get seven thousand pounds from, dad?" he asked.

"Never mind. You spin your yarn."

"Well, they were very good and very kind, but of course they must have either their money or their money's worth. They passed a vote of sympathy with me, and agreed to wait ten days before they took any proceedings. Three of them, whose claim came to L3,500, told me that if I would give them my personal I.O.U., and pay interest at the rate of five per cent, their amounts might stand over as long as I wished. That would be a charge of L175 upon my income, but with economy I could meet it, and it diminishes the debt by one-half."

Again the Admiral burst out cheering.

"There remains, therefore, about L3,200 which has to be found within ten days. No man shall lose by me. I gave them my word in the room that if I worked my soul out of my body every one of them should be paid. I shall not spend a penny upon myself until it is done. But some of them can't wait. They are poor men themselves, and must have their money. They have issued a warrant for Pearson's arrest. But they think that he has got away the States."

"These men shall have their money," said the Admiral.

"Dad!"

"Yes, my boy, you don't know the resources of the family. One never does know until one tries. What have you yourself now?"

"I have about a thousand pounds invested."

"All right. And I have about as much more. There's a good start. Now, mother, it is your turn. What is that little bit of paper of yours?"

Mrs. Denver unfolded it, and placed it upon Harold's knee.

"Five thousand pounds!" he gasped.

"Ah, but mother is not the only rich one. Look at this!" And the Admiral unfolded his cheque, and placed it upon the other knee.

Harold gazed from one to the other in bewilderment. "Ten thousand pounds!" he cried. "Good heavens! where did these come from?"

"You will not worry any longer, dear," murmured his mother, slipping her arm round him.

But his quick eye had caught the signature upon one of the cheques. "Doctor Walker!" he cried, flushing. "This is Clara's doing. Oh, dad, we cannot take this money. It would not be right nor honorable."

"No, boy, I am glad you think so. It is something, however, to have proved one's friend, for a real good friend he is. It was he who brought it in, though Clara sent him. But this other money will be enough to cover everything, and it is all my own."

"Your own? Where did you get it, dad?"

"Tut, tut! See what it is to have a City man to deal with. It is my own, and fairly earned, and that is enough."

"Dear old dad!" Harold squeezed his gnarled hand. "And you, mother! You have lifted the trouble from my heart. I feel another man. You have saved my honor, my good name, everything. I cannot owe you more, for I owe you everything already."

So while the autumn sunset shone ruddily through the broad window these three sat together hand in hand, with hearts which were too full to speak. Suddenly the soft thudding of tennis balls was heard, and Mrs. Westmacott bounded into view upon the lawn with brandished racket and short skirts fluttering in the breeze. The sight came as a relief to their strained nerves, and they burst all three into a hearty fit of laughter.