"I feel that time is of value," said he; "that is why I hastened
here when the police inspector suggested that I should secure
your co-operation. I came to Baker Street by the Underground and
hurried from there on foot, for the cabs go slowly through this
snow. That is why I was so out of breath, for I am a man who
takes very little exercise. I feel better now, and I will put the
facts before you as shortly and yet as clearly as I can.

"It is, of course, well known to you that in a successful banking
business as much depends upon our being able to find remunerative
investments for our funds as upon our increasing our connection
and the number of our depositors. One of our most lucrative means
of laying out money is in the shape of loans, where the security
is unimpeachable. We have done a good deal in this direction
during the last few years, and there are many noble families to
whom we have advanced large sums upon the security of their
pictures, libraries, or plate.

"Yesterday morning I was seated in my office at the bank when a
card was brought in to me by one of the clerks. I started when I
saw the name, for it was that of none other than--well, perhaps
even to you I had better say no more than that it was a name
which is a household word all over the earth--one of the highest,
noblest, most exalted names in England. I was overwhelmed by the
honour and attempted, when he entered, to say so, but he plunged
at once into business with the air of a man who wishes to hurry
quickly through a disagreeable task.

"'Mr. Holder,' said he, 'I have been informed that you are in the
habit of advancing money.'