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The WIFE WHO FAIL , A S HIS limousine crawled over London Bridge and turned into the dingy streets beyond, Harvey Gerrard leaned for- ward in his seat, looking out of the window with a half-weary anticipation of Forty-eight one who revisits familiar but distasteful scenes. | hours ago he had been living in a paradise of mimosa and roses, warmed by Riviera sunshine, his senses reacting pleasurably to the mild excitement, the music and the gayety of Monte Carlo. The malodrous atmosphere of Ber- _ into which district he had now passed, the smell of leather, the sullen, brooding skies through which it seemed impossible that the sun could ever force its way, all added to depression. } : He glanced with distaste at the familiar landmarks which he passed, exchanged mechanical greetings with one or two passers-by whose names he failed to remember, and finally stepped out on to the pavement with an unaccountable feeling of ion as buildings, warehouse built by his grandfather, a hundred years ago. his car drew up before the magnificent pile of the pride of the whole neighborhood, the enormous Phineas Gerrard, nearly "You had better wait for a time, John," he told the chauf- feur. "If I have to stay here long, I'll send down word and you can go home in case your mistress requires you." The man touched his hat and turned off his engine. : Harvey Gerrard mounted the steps, pushed open the swing doors and made his leisurely way past the spacious suites of offices which occupied the front of the ground floor into the open spaces beyond--spaces piled with great stacks of all des- criptions of sole leather, i. Instalment Ome I Reminiscences of past years here in these surroundings puzzled at the same time that they depressed him. The clerks in the offices-- he coutd see them throught the glass partition--were . all gray- headed; all seemeq to bend a little wearily over their tasks. Many of their faces were familiar, but all seemed changed. It was the same thin: with the porters. He called one of them to him-- one of the few whose name he re- membered. "Well, James," he said, "still working as hard as ever?' The man shook his head doubt- fully. "No chance of that nowadays, sir," he replied. "There - ain't e.ough to do to keep any of us busy." "Business bad, eh?" ! "Bad enough in our department, anyway, sir," was the somewhat depressed admission. His master turned away with 2 nod and mounted the winding stairway. A vague sense of uneasiness, which had at odd times assailed him during the last six months, took to itself very definite shape in these few moments. The change in his surroundings was too appar- ent to exist only in his imagina- tion; a spirit of listlessness seemed to have taken the place of those old days of bustle and commotion. After a brief but puzzled contem- plation he turned away, acknowled- ged mechanically the calutions of the salesmen 'whose counters he passed and entered hig own office ~--a spacious apartment with a thick carpet upon the floor, filled with heavy Victorian furniture and hung with oil paintings of various members of the firm. Harvey hung up his hat on a huge wooden peg, seated himself in the familiar chair and rang the bell. "Send Mr. Greatorex in," he told the boy who presently answed it. News of Bad Business As he leaned back, waiting, a memory came to him--a memory of the day upon which 'he had been admitted into partnership. His father, his grandfather and an un- cle had toasted him in a bottle of the famous port, the various vin- tages of which it had been their custom to lay down since the esta- blishment of the house. "A. matter for twofold celebra- tion" his grandfather had said. "We admit one of the younger gen- eration into the firm on the same day that our balance sheet shows that for the first time in our his- tory our capital has reached the sum of a million pounds." 'When Mr. Greatorex, the manag- er and cashier, entered. Harvey teld out his hand, struggling against the depressions with which the sight of every one in the place had affected him. "Well, Greatorex," he began, "you're looking just the same as ever. Terribly sad about poor Armitage." & has never amounted to much less than six or seven hundred thous- and pounds, and since the purchase of the major portion of it I imagine that the fall in prices amounts to something like 25 per cent. Sales have been exceedingly difficult, therefore, and side by side with the fall in prices the shoe trade has been bad." " Bank Withdraws Credit "This all sounds very unpleas- ant," Harvey remarked. 'So far as I remember, there was very little indication of' {it in the last balance sheet, a copy of which you sent me." "In that balance sheet, sir," Greatorex explained, "a great many debts were taken as good which should not have been and no reserve whatever was made for bad debts. The whole of the stock, too, was taken at cost price. Mr. Chalmer, when he signed it on behalf of the accountants, added a rider to that effect which you probably did not notice." There was a brief silence. Har- vey Garrard, bewildered by pre- monitions of catastrophe, looking across the room, seemed for a moment to meet the stern yet ben- evolent gaze of his father looking down at him from the inclosure of that heavy - gilt frame opposite. Perhaps something of his inherited spirit for the first time asserted itself. "I will look into these matters," he announced a little shortly. "Ring up and make an appoint- ment for me to see Mr, Chalmer as soon as posible. I will spend the day here." "l will do so at once sir." Mr, Greatorex assérted. "In the mean- time. ', He hesitated, glancing across at his employer. Harvey recognized signs of distress. "There is something else?" he asked, not unkindly. 'Out with it Greatorex." The man's voice was choked. He took off his acles and wiped them. "I have just come hack from the bank, sir," he said. "The day after tomorrow is the 4th of the mouth and we have bills of exchange due amounting to about 80,000 pounds. T handed in the advices as usual. Mr. Poulton, the manager, called me into his office. I must admit that what he said came ag a great shock. We are already overdrawn to the extent of about 110,000 pounds--an overdraft which I con- fess that we have been asked sever- al times to reduce. Mr. Poultan told me this morning that unless funds were provided to the full amount, either in cash or adequate security he would be unable to meet our acceptances." "Unable to meet the firm's ac- ceptances?" Harvey repeated ag- hast. Mr. Greatorex nodded. For the moment he was incapable of speech. His bony fingers were shaking. "It seems incredible sir," he'con- a trifle spect- "It wag Very saa inaeea, mir,~ was the quiet reply. "Mr. Armit- »ze had been ailing for some time, hut we none of us expected to lose him quite so suddenly." "Heart trouble, I understood?" , "Heart trouble and worry." Harvey produced from his pocket a thin, gold case, selected a cigar- stte and lit it. He leaned back in his chair, waving his manager to a seat, For a moment he smoked in silence. "What's wrong with this place, Greatorex?" he asekd a little ab- ruptly. Mr. Greatorex coughed. "'Businesg has been very bad with us for some years, six," he confid- ed. "Mr. Armitage was unwilling to trouble you too much with details, but there is no doubt that his end was hastened by apprehensions for the future." : "What sort of apprehensions?" Harvey inquired, frowning. "Do you mean that the firm is not mak- ing the profits that it used to?" "It is no longer a question of profit at all sir," was the gloomy response. "What is it a questién of, then?" Harvey insisted impatiently. "Speak plainly, Greatorex. Let me under- ptand the situation." "I will do so, sir," the manager assented nervously. "This fact is, that during the last three years prices of leather have fallen all over the world, and, as you may possibly remember, it hag always been the custom of the house to keep very large stocks. The stock bere and in our various branches tinued presently, "absolutely in- And ried you because I believed = ' him." [THE OSHAWA DAILY Saved Garrard From nd TIMES, MONDAY, S Girl Wha o Ld By E. Phillips Oppenheim ; . Copright by B. idocked it, stowed them away, Jock- . ereditors., Do you think I married "ru tell you, then," she exclaimed bitterly. "I mar-3 tonigh | poor you to be what every one said you were--a rich man with a gold mine behind "I shall go and cided. . Mr. Poulton was glad enough to receive the only surviving member of a world-famed firm; a man too, of other distinctione--a famous polo player, golfer and ex-cricketer a figure in the social life of Lon- don as well as the Riviera. "I am afraid that you will find the affairs of your firm need very careful attention. Mr. Armitage was a clever man but an optimist. He needed a restraininz hand. It was, perhaps a pity that the busi- ness did not appeal more to you and that you were not able to fol- low its progress more closely." "Mr. Poulton," Harvey replied, "it is of no use beating ahout the bush. TI know nothing whatever about the business." "This matter has been talked out with Mr. Armitage at least a doz- en times within the last six mon- ths, I told him continually that my directors insisted upon a re- duction of the overdraft. TI regret very much that Mr. Armitage should have kept vou in ignorance of the situation, but there it 1s." + Garrard Is Worried "Then, in order to completely satisfy your peonle I take it that I have a matter of forty-eight hours | to find a hundred and eighty thou-« sand pounds or security to that, amount," Harvey remarked. "It comes to that, T am afraid, | Mr. Garrard" the manager ac- | quiesced. see him," he de- "Of course. 1f you hand over the eighty thousand pounds in cash the acceptances shall be met, | but I must warn you that the question of the overdraft will then | have to be dealt with at once." Harvey Garrard rose to his feet, Already there was a change in his expression since he had driven across London Bridge to pay what he had simply looked upon as a dis- tasteful two or three hours® visit to the goose which had laid golden eggs for him all his life. The lines of his mouth were firmer, his grey eyes 'almost steely. "I have no doubt that the matter can be arranged," he said coldly. "I should have liked a little more time, however." "The urgency is without doubt unfortunate", Mr. Poulton confes- sed: "but so far as we are con- cerned we hold ourselves free from blame. How your late partner pro- posed to meet these engagements if he had lived I cannot tell you, but he knew perfectly well that no question of any further overdraft would ever have been entertained. It is an exceedingly fortunate thing Mr. Garrard that you have return- ed in time to deal with this crisis eradihle. For fifty years Garrard & Garrard pave held the first position in the trade. Our credit has been like the credit of the Bank of Eng- land, Until ten years ago we paid cash for everything. I could scarcely beleieve my ears. I have not heen myself since, sir." "Is there no cash we can lay our hands on?" Harvey demanded. "There must be money owing to the firm." "We have collected everything possible" wag the melancholy re- ply. "All our branches have had orders to draw bills on our custom- ers and send them in. We paid in yesterday seventeen thousand pounds, That still left us over drawn at the bank about a hundred thousand, and eighty thousand pounds' worth of bills to be met." "And supposing they are not met?" The manager rose to his feet. He shook his head and turned his back upon hig employer. His shoulders seem a little unsteady. "You must excuse me sir," he begged, "I will ring up Mr. Chak mer." "One moment." Harvey enjoin- ed. "We still bank, I suppose, at that poky little' branch of the Southern Bank at the corner of the street?" "We still bank there, sir." "And the mame of the manag- er?" "Mr. Poulton, sir. He {ig natur- ally favorably disposed toward us, but he can only act on instructions from headquarters." Harvey rose to his feet and took up his hat. and you will permit me--er--to add that considering the great Te- putation of your firm and the pride which we have always felt in your account, it is our very sincere hope that you may be able to avert this --er--disaster." "Very good of you. *I'm sure," Harvey remarked ag he picked up his hat, "You take it for granted that the bill will be met, I shall have to discuss the matter of the overdraft with your directors." Wife Frowns at Garrard Mildred Garrard curled up on a lounge in the room which she call- ed her boudiour threw down her novel at Harvey's entrance and raised herself a little to confront him, : "Where on earth have you been all day. Harvey?" she demanded peevishly. "I've been down at Bermond- sey." he answered. "Down at Bermondsey?" she re- peated incredulously. "Do you mean to say you forget altogether that we were lunching at Rane- lagh?" "I'm sorry" he apologized, "but that's exactly what I did do. got all about it." She frowned. Although at 35 she was still a beautiful woman the frown was not altogether becom- ing. "What on earth did you want to stay down there for all thig time?" she persisted. 'And where did you lunch?" "Now I come to think of it," he admitted. "I didn't lunch at all. I found a great deal to occupy me down there and I forzot." She rose to her feet, yawning, and drew her silk dressing gown around her. There was still just a glimpse of blue crepe de chine and blue silk stockings. "You're a terribly casual person sometimes, Harvey," she complain- ed. "Perhaps you forgot to bring me my money too." "1 did" he confessed. pletely forgot 211 about it." She turned away from the look- "I com- to glanes with en impatient clamation, "If that isn't just like you." she declared petulantly, "TI don't sup- pose you even remembered to tell Greatorex to pay in the house money." "I dicn't he admitted. To tell you the truth, I wzs far too husy." "BDusy!'" she repeated scornfully, "Why, what on earth can you find to do down there? You don't know anything about the' busi- ness." "Perhaps its a pity I don't," he remarked. "They haven't peen do- ing too well." She vawned once more and rang the bell. "We'll have a cocktail change" she suggested. "We'll have to go out for dinner, I'm afraid. Francois has only just ar- rived and is absolutely disgusted with the kitchen. He simply des {clines to cook this evening, so I've | telephoned to the Ritz for a table "Just as you like," he answered "It Francois is going to be differ-| ent back to he .had better go I'rance. in Curzon street to be anything like what he's used to." "Don't talk nonsense," she en- poined sharply. "If we parted with Francois T might as well give up entertaining altogether. He's the greatest attraction any possibly .get hold of. [I saw Duchess in the park this morning and she told me that if T didn't ask her to dinner the very day Francois arrived she'd never speak to me again. They all love him. Harvey." "They may have an opportunity of acquiring him - before Harvey ventured. "That they certainly will not." was Mildred's prompt rejoinder. "If we have to economize we won't begin with Francois." She gave an order to her maid who had answered the bell and stood for a moment yawning in front of the mirror. She was troubled at the sight of a little line near her eyes and gazed at herself disconentedly. "What a ridiculous come back to London she_grumbled. Sr "Mayfair isn't fit for a human being until June. There is some- thing apout the light here or the mirrors which makes one feel as well ag look, positively ugly. I shall have to go to aMdame Arlene tomorrow. And I hope you won't go down to that hideous warehouse of you again. Harvey, if it makes you ag gloomy as you are this eve- ning." Y He roused himself with a shrug of the shoulders. The time for dis- closures was not yet. Annette en- tered with a cocktail and two glasses. Harvey, as he took a cheese waf- er from the tray, was conscious that he had eaten nothing since breakfast. "Where are your pearls, Mild- red?" he asked abruptly as soon as the maid had left the room, She looked at him with some surprise, "Let me see them," he begged. She crossed the room, took the key from hgr bracelet and opened a door let. into the wall. Presently she returned with a morocco case. thing to so early" I for- Fe drew out the pearls and studied them. "I suppose they're still worth what I gave for them," he reflect- ed She nodded indifferently. "I should think so. They would have been worth more but for this craze for imitation jewerry. "They are quite mice," she ob- served. "With the exceotion of one or two at the back which I have always wanted to change." I'll wear black and the pearls pefore we | ~ one could | the | long," | t and you shall see how these ones spoil the effect. We might go on and dance at the Am- bassador afterward for an hour." "Just ag you like," he agreed ris- ing to his feet a little wearily as Annette entered. The evening was like many oth- ers, Harvey and his wife had spent together, superficially inter- esting enougn yet utterly devoid of any real and intimate inter- course, It was 2 " o'clock when they reach- [ea home and Mildred went yawn- | ing upstairs. | Co ani 81 i q | here." ingglass into which she had pause | mosphere ex- | "One does just the same thingzs she remarked, 'but the at- is altogether different, isn't it? In Monte Carlo I am nev- er tired. Here' I am half asleep be- fore 2 o'clock." "Try ard wake up," he begged, "because I want to come and to | talk to you for a minute if I may." She looked at him in surprise. "Talk to me, at this time of night?" che expostulated, "Won't it do in the morning?" | "It might." he assented, "but I | shall have left for the city before |y.u are awake." |" She vawned azain and yielded | the point. "Well, brinz me some cigarette," | she directed "I'll put on my dres- sing gown in a moment and we can talk in the boudoir." He turned into the dining room, {mi ed a whiskey and soda for him- self and made his way into the tiny blue and white sitting room open- 'ing from her hedchamber. Mildred Refuses Help Presently she made her appear- ance in a wonderful rose-colored negligee trimmed with white fur, threw herself into the one comfort- | | | leaned back with her hands clasp- {ed behind her head. fi EPTEMBER 161929 "You are out-of your. senses," he cried, #You're talking like & 1. The house is mine, You gave to me and' it is in my name. The pearls are mine. You think I am go; {ing to let yor take them away and; fbe beggareg just because you have 'been fool enough. to let people rob, you! You must be mad to ask such| la thing. The deeds are in my name at the bank and they'll stay there. he pearls--see here!" She unfastened them from her| eck, hurried to the safe and un- ed it again and replaced the key, in its attachment to her bracelet. Harvey made no movement at. al. He watched her all the time with curious eyes. | "The pearls and the house are mine," she declared, "and you shan't touch them. You are abo- minably selfish, Harvey io have ev- on suggested such a thing, Perhaps you'd like me to give up my beg- garly settlement to satisfy your you, Harvey to be poor?" i "I have. wondered once or twice," he said deliberately, "what! you did marry me for. Just now I| am wondering more than ever." |! | "I'll tell you then," she exclaim- ed bitterly, walking up and down the room with quick uneven steps and looking at him every now and then. "I married you because I be- lieved you to be what every one said you were--a rich man with a gold mine behind nim. I hated your business--a leather business. |Faugh! "But no one seems to mind these ithings nowadays, so I didn't. Ex- /ternally you were of my world I {will admit. You satisfieq me in many ways, but first and last, since you with to know, I married you because I wanted to be rich. There ihave been four generations of Farringdons, each one poorer than the last. I was brought up in an atmosphere of poverty and IT want- ed to get out of it. IT wanted to have money to snend with both hands. T didn't know that I was marrying a fool who would play polo and hunt and shoot while every one else robbed him of his fortune." (Continued Tomorrow) BANKNOTE LOSS 15 EASILY RETRIEVED London. --This 'sounds an amazing story, out-Sherlock Holmesing Sher- { lock Holmes, but it i ¢ruc. On a | recent Monday night, at a bridge party, one of the players and her partner won £5 each. The lady was given a £5 note. She folded it in 'A REAL ENERGY-FOOD With all the bran of the whole wheat nicely balanced with the esse..- : efiving vitamins--crisp, flavory and ilk or cream or fruits, for any meal four and put it in her bag. But when she opened the bag in her bed- room the note was gone. Nauralty, she was perplexed, and rather upset, because from the mom- ent the note had been put into the bag until she discovered its loss, the bag had never been out of her hands. It was amazing, five pounds being five pounds in these days, but there was nothing to be said. Somewhen on the Wednesday mor- ning, she was rung up by Scotland Yard inquiring if she had lost a £5 note. She replied that she had, but in answer to further inquiry," said | she could not give the number, be- cause she had not looked at the note when it was handed to her. She was then asked if she had taken a taxi from the house where she had played bridge to her own house. The answer, as they say in Parliament, was in the afhirmative. Thereupon she was told that, if she went to Scotland | Yard, the note would be handed to her. | There's a mystery, if you please, | with a dash of terror added. On the face of things, Scotland ! Yard would appear to have an un-| canny omniscience. Yet the explana- | tion is simplicity itself. When the | lady took her latch-key from her bag | she must have drawn out the bank- | note too, because the driver found it | on the floor of the taxi when he went back to his garage. He took the note to Scotland Yard on the Tuesday morning. Honest man, When a £5 note ¥s paid into a bank | it is never issued again. It goes to the Bank of nEgland and is destroy- ed, another being issued in its stead. This particular note was a rew one. Scotland Yard rang up the Clearing House, and found out which bank had paid out the note with that par- ticular number. Inquiry at the bank gave the name and address of the customer to whom that note had been paid. She was rung up and gave the name and address of the dame to whom she had paid the note for her bridge losscs. Some men find obscurity natur- zlly and others become the hue- bands of well-known women, Wceodstock Senitnel-Review, A Boston man slapped his wife as she slept. Men are getting bolder and bolder.--Kingston Whig-Stan- iin oi A Hr le CHARLES GRANVILLE GIBSON English M.P., predicts stormy days ahead for the Labor party when they attempt to abolish the "gafeguarding'® duties which have been granted certain Bri. tish industries, Mr. Gibson is on his way home from a tour of the United States and Canada. He can't exepct a kitchen | able easy-chair, lit a cigarette and | "What idiots we were to come | Lome to this cold," she declared |'discontentedly. "Even wity a fire | | one seams chilled somehow." He nodded. "It was very hard luck on you," he admitted, "So far as I am con- | cerned, however, it seems to have [been necessary, Mildred, what have vou done with the deeds of this | house?" She looked across at him, startl- led. : "The deeds of this house?' she repeated. "Why what on earth do | yon want with them?" |". He hesitated for a moment. here was a suspicious; almost an angry look in her eyes, and his task seemed suddenly to have be- come more formidable. Neverthe- less it had to be undertaken and he summoned up all his courage. "You have a right to my whole confidence, Mildred, if you wish it," he said. "I will try to explain matters to you. I find that a very serious state of affairs exist in the city. This man Armitage, my parte ner, who has recently died, to cov- er, I am afraid, his own extravag- ance and to conceal the fact tha he was heavily overdrawn with] the firm, has kept me in complete; ignorance of the fact that we have actually been losing money for many years. J "I am not, as you know, a busi- ness man and I have not had time yet to thoroughly grapple with the situation, but this I do know, that somehow or other I have to raise the sum of £80,000 before the bank closes the day after tomorrow." Momentarily, she collapsed. Her real emotion was to come after- ward. At first she was simply frightened. "What are we going to do?" she' demanded harshly, i "Ag yet I am afraid I cannot, tell you," he replied. "Mr. Chalmer is coming to see me tomorrow morning, and I shall make an ef- fort to get a grasp of the whole situation. In the meantime, howev- er, one thing is certain. Somehow or other I must raise that £80,- tomorrow. That is why I asked you about the deeds of the house. "They should be worth at least twenty thousand pounds as se- curity, and your pearls, say, an- other twenty thousand pounds as security upon my own private in- thing on my life insurance." The dawn of an overmasterin- fury glittered in eres. 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