"Hollis told me an extraordinary story-yet one which did not surprise me as much as you might think. I knew that he was a solicitor in London. He said that only a few days before this interview a lady friend of his had privately asked his advice. She was a Mrs. Lester, the widow of a man-an old friend of Hollis's-who in his time made a very big fortune. They had an only son, a lad who went into the Army, and into a crack cavalry regiment. The father made his son a handsome, but not sufficient allowance-the son, finding it impossible to get it increased, had recourse, after he was of age, to a London money-lender, named Godwin Markham, of Conduit Street, from whom, in course of time, he borrowed some seven or eight thousand pounds. Old Lester died-instead of leaving a handsome fortune to the son, he left every penny he had to his wife. The lad was pressed for repayment-Markham claimed some fifteen or sixteen thousand. Young Lester was obliged to tell his mother. She urged him to make terms-for cash. Markham would not abate a penny of his claim. So Mrs. Lester called in Frederick Hollis and asked his advice. At his suggestion she gave him a cheque for ten thousand pounds: he was to see Markham and endeavour to get a settlement for that sum.
"The day before he came down to Scarnham-Friday-Hollis did two things. He got young Lester to come up to town and tell him the exact particulars of his financial dealings with Godwin Markham. Primed with these, and knowing that the demand was extortionate, he went, alone, to Markham's office in Conduit Street. Markham was away, but Hollis saw the manager, a man named Stipp. He saw something more, too. On Stipp's mantelpiece he saw a portrait which he recognized immediately as one of Gabriel Chestermarke.
"Now, you want to know how Hollis knew Gabriel Chestermarke. In this way: I told you just now that Hollis and I had only met once since our school-days. Some few years ago-I think the year before you came into the bank, Neale-Hollis came up North on a holiday. He was a bit of an archЖologist; he was looking round the old towns, and he took Scarnham in his itinerary. Knowing that an old schoolmate of his was manager at Chestermarke's Bank in Scarnham, he called in to see me. He and I lunched together at the Scarnham Arms. I showed him round the town a bit, after bank hours. And as we were standing in the upper-room window of the Arms, Gabriel Chestermarke came out of the bank and stood talking to some person in the Market-Place for awhile. I drew Hollis's attention to him, and asked, jocularly, if he had ever seen a more remarkable and striking countenance? He answered that it was one which, once seen, would not readily be forgotten. And he had not forgotten it once he saw the portrait at Markham's office-he knew very well that it was extremely unlikely that so noticeable a man as Gabriel Chestermarke could have a double.
"Now, Hollis was a sharp fellow. He immediately began to suspect things. He talked awhile with Stipp, and contrived to find out that the portrait over the mantelpiece was that of Godwin Markham. He also found out that Mr. Godwin Markham was rarely to be found at his office-that there was no such thing as daily, or even weekly attendance there by him. And after mutual desires that the Lester affair should be satisfactorily settled, but without telling Stipp anything about the ten thousand pounds, he left the office with a promise to call a few days later.
"Next day, certain of what he had discovered, Hollis came down to see me, and told me all that I have just told you. It did not surprise me as much as you would think. I knew that for a great many years Gabriel Chestermarke had spent practically half his time in London-I had always felt sure that he had a finger in some business there, and I naturally concluded that he had some sort of a pied-А-terre in London as well. One fact had always struck me as peculiar-he never allowed letters to be sent on to him from Scarnham to London. Anything that required his personal attention had to await his return. So that when I heard all that Hollis had to tell, I was not so greatly astonished. In fact, the one thing that immediately occupied my thoughts was-was Joseph Chestermarke also concerned in the Godwin Markham money-lending business? He, too, was constantly away in London-or believed to be so. He, too, never had letters sent on to him. Taking everything into consideration, I came to the conclusion that Joseph was in all probability his uncle's partner in the Conduit Street concern, just as he was in the bank at home.
"Hollis and I walked about the paths in the wood for some time, discussing this affair. I asked at last what he proposed to do. He inquired if I thought the Chestermarkes would be keen about preserving their secret. I replied that in my opinion, seeing that they were highly respectable country-town bankers, chiefly doing business with ultra-respectable folk, they would be very sorry indeed to have it come out that they were also money-lenders in London, and evidently very extortionate ones. Hollis then said that that was his own opinion, and it would influence the line he proposed to take. He said that he had a cheque in his pocket, already made out for ten thou and pounds, and only requiring filling up with the names of payee and drawer; he would like to see Gabriel Chestermarke, tell him what he had discovered, offer him the cheque in full satisfaction of young Lester's liabilities to the Markham concern, and hint plainly that if his offer of it was not accepted, he would take steps which would show that Gabriel Chestermarke and Godwin Markham were one and the same person.
"Now, I had no objection to this. I had not told you of it, Neale, but I had already determined to resign my position as manager at Chestermarke's. I had grown tired of it. I was going to resign as soon as I returned from my holiday. So I assented to Hollis's proposal, and offered to accompany him to the Warren-I don't mind admitting that I was a little-perhaps a good deal-eager to see how Gabriel would behave when he discovered that his double dealing was found out-and known to me. We therefore set off across Ellersdeane Hollow. I have been told while lying here that some of you found the pipe which you, Betty, gave me last Christmas, lying near the old tower-quite right. I lost it there that night, as I was showing Hollis the view, in the moonlight, from the top of the crags. I meant to pick it up as we returned, but what happened put it completely out of my mind.
"Hollis and I crossed the moor and the high road and went into the little lane, or carriage-drive, which leads to the Warren. Half-way down it we met Joseph Chestermarke. He was coming away from the Warren-from the garden. He, of course, wanted to know if we were going to see his uncle. I told him that my companion, Mr. Frederick Hollis, a London solicitor, had come specially from town to see Mr. Gabriel Chestermarke, and that, being an old friend of mine, he had first come to see me. Joseph therefore said that we were too late to find his uncle at home: Gabriel, he went on, had been suffering terribly from insomnia, and, by his doctor's advice, he was trying the effect of a long solitary walk every night before going to bed, and he had just started out over the moor at the back of his house. Turning to Hollis, he asked if he could do anything-was his visit about banking business?
"Now I determined to settle at once the question as to Joseph's participation in the affairs of the Conduit Street concern. Before Hollis could reply, I spoke. I said, 'Mr. Hollis wishes to see your uncle on the affairs of Lieutenant Lester and the Godwin Markham loans.' I watched Joseph closely. The moonlight was full on his face. He started-a little. And he gave me a swift, queer look which was gone as quickly as it came-it meant 'So you know!' Then he answered in quite an assured, off-hand manner, 'Oh, I know all about that, of course! I can deal with it as well as my uncle could. Come back across the moor to my house-we'll have a drink, and a cigar, and talk it over with Mr. Hollis.'