CHAPTER I
A BAD BUSINESS

At ten o'clock on this morning Captain Ablewhite, unannounced, and without knocking at the door, walked into Jeremiah's room in the hotel at which he had taken up his quarters. Jeremiah was still in bed. Closing the door carefully behind him and turning the key, Captain Ablewhite drew a chair to the side of the bed and sat down.

"This is a bad business," said Captain Ablewhite.

Jeremiah was in a parlous condition. His face was haggard; his eyes were bloodshot; he was shaking like a man in a palsy.

"This is a bad business," repeated Captain Ablewhite, "You are too much upset to reply. But why, oh, why have you lost your head?"

Jeremiah put his hand up, feebly and despairingly, and passed it vacantly over his forehead.

"I have here," said Captain Ablewhite, plunging his hands into the pockets of his gorgeous dressing-gown, "a pick-me-up. It will pull you round, and then we can talk."

He produced two bottles – one containing the pick-me-up, the other soda. Taking a large tumbler from a table he poured a good dose of the pick-me-up into it, and then uncorked the soda, which he emptied into the glass.

"Drink this."

Jeremiah drank it, and almost instantly became for a while clear-brained.

"Better?" asked Captain Ablewhite.

"A great deal better," replied Jeremiah.

Then, for the third time, the jovial Captain – he was as fresh as a two-year-old – said, "This is a bad business."

And still, clear-headed as he now was, Jeremiah did not know what to say in answer to a very plain statement of fact.

"Let me see," said Captain Ablewhite, taking out his pocket-book. "There is nothing like looking a difficulty straight in the face. It is not a bit of good shirking it. What you've got to do is to meet it – and, Mr. Jeremiah Pamflett, meet it you must. Now, then, for the facts. You brought down with you to Doncaster a very comfortable sum of ready money. How much?"

"Two thousand pounds," replied Jeremiah.

"That is right. Speak clearly and plainly. Two thousand pounds. If I had that in my pocket at the present moment, I would double it before the day is over. There's a race to be run – however, let that pass."

"What race?" cried Jeremiah. "Is it a certainty?"

"It is a certainty," said Captain Ablewhite, solemnly. "I've got the tip for the Scurry Stakes, my lad, and the horse can't lose."

"But why not give it to me?" asked Jeremiah, in great excitement. "I could make everything right – everything – everything…" His voice trailed off into a whimper.

"Why don't I give it to you?" said Captain Ablewhite, very calmly. "Because I am beginning to lose my opinion of you. Let me tell you, though: you may justify it yet if you are not thoroughly white-livered."

"I will, I will!" exclaimed Jeremiah. "Only give me the tip – give me the tip!"

"Not if I know it. This little affair I will keep to myself, and I'll sweep the market. You've let too many good things slip by this week. Come, now, confess: if you had stuck to your 'system,' how much would you have won? Don't put me off. You've gone all through it, and you know the figures to the fraction of a shilling."

Jeremiah struck his forehead with his hand. "I should have won seven thousand pounds."

"Exactly. And you did not win it because you weren't game, and because you allowed yourself to be led away. What is the good of a man unless he has the courage of his opinions? Before midnight I'm going to try you; I'm going to see whether you're worth trying to save (because you are in a frightful hole, you know, and there's no telling what will happen to you if you continue to show the white feather), or whether I shall let you go to the dogs. It depends upon me, old chap. Oppose me, show ingratitude, try to prove that you're cleverer than I am, and the odds are that you will have seven years – not less – perhaps fourteen. Oh, you are clever, you are! Make no mistake, you are clever; but you want nerve! Why, if you had been open with me – if you had told me honestly what your system was – we might both have made fortunes. But that's neither here nor there. Things are as they are, aren't they?"

"Yes, they are," sighed Jeremiah.

"Shall I go on?"

"Yes."

"Well, then. You brought down two thousand pounds with you, and you blued it. Eh?"

"Yes."

"I don't ask you where you got the money from. It is no business of mine, and I will have nothing to do with it. I have my ideas, but I'll keep them to myself. Having lost your two thousand pounds, you get me to introduce you to a book-maker, who took your bets in the expectation of paying you if you won, and receiving from you if you lost. And you did business with him in a false name."

"I didn't get you," protested Jeremiah; "you offered to introduce me; and it was at your suggestion I used the name of Farebrother."

Captain Ablewhite rose and said, "Good-morning."

"No, no," cried Jeremiah, piteously; "don't desert me!"

"Did I introduce you, or did you ask me to introduce you?" demanded Captain Ablewhite.

"I asked you – I asked you!" whined Jeremiah.

"And did you use Farebrother's name upon my suggestion? Be careful, old chap."

"At my own suggestion," faltered Jeremiah.

"Good," said Captain Ablewhite, resuming his seat. "You made bets with him, and you are in his books over three thousand pounds. Is that correct?"

"Yes."

"I have I O U's for another two thousand pounds. Is that correct?"

"Yes."

"It is a satisfaction. You hold acceptances of mine for close on that amount, and the entire amount of cash I have received from you is about one-fourth of that amount."

"Business is business," groaned Jeremiah.

"All right. I didn't complain, and I don't. You and I are pretty well squared on that account. Taking it altogether, you have lost this week some seven thousand pounds, when you might have won as much."

"Oh, Lord!" gasped Jeremiah.

"You may clasp your head till you're blue in the face, and that won't get you out of the hole. Do you want to get out of it?"

"Yes; of course I do."

"Then," said Captain Ablewhite, enigmatically, "take the 1.33 train to London. You will get there at five o'clock. Have a bath and a sensible dinner, and meet me outside the Langham Hotel, on the opposite side of the road, at nine o'clock to-night. It may be in my power to save you. No words. If you do not obey me I have done with you. Yes or no?"

"Yes," said Jeremiah.

CHAPTER II
THE DIAMOND BRACELET

This was to be a night of surprising adventure to Jeremiah. He was punctual to time. As the church clock struck the hour of nine he arrived at the Langham Hotel, and in accordance with Captain Ablewhite's instructions, waited on the opposite side of the road. There was no moon, and he paced the flag-stones in shadow. A quarter past nine, half-past, three-quarters past, then the chiming of ten o'clock, and still no Captain. Jeremiah was in a bewilderment of agonized suspense; he was on the brink of a precipice, and he relied upon Captain Ablewhite to save him – by what means he knew not, but he depended upon the Captain's word. "He is detained," thought Jeremiah; "the train is late; he is not a punctual man; perhaps he said ten o'clock instead of nine. At all events, I'll wait for him." The minutes sped on; a quarter past ten, half past, three-quarters past, and now another hour had passed. It was eleven o'clock, and Jeremiah, worked up into a state of terrible excitement, continued to pace up and down, up and down. Two or three times a policeman, attracted by his monotonous movements, strolled past, and carelessly looked at him; and on these occasions Jeremiah strove to hide his face from the policeman's scrutiny. "Will he never come?" thought Jeremiah – "will he never come?" At half-past eleven a singular incident occurred. A voice at his back accosted him. It was a woman's voice.

"Don't turn," the woman said. "Your name is Pamflett?"

"Yes," answered Jeremiah, much amazed.

"You are waiting for some one?"

"Yes."

"For whom?"

"Captain Ablewhite."

"That is right. Take this."

The woman slipped a packet into his hand and was gone. Jeremiah, turning, saw no trace of her. No time was afforded him for reflection. The Captain's voice struck upon his ear.

"Follow me," it said.

Without the evidence of the voice Jeremiah would not have recognized Captain Ablewhite, who was enveloped in a large Inverness cape, and upon whose head was a hat unlike that which he usually wore. He followed the Captain, who walked very fast, until they reached a narrow street at some distance from the Langham. It was a thoroughfare which appeared to be quite deserted.

"Well, old fellow?" said Captain Ablewhite.

"Well?" responded the mystified Jeremiah.

"Couldn't help being late. Knew you would wait for me. Ah! you have the packet, I see."

"This?" said Jeremiah.

"Yes, this;" and Captain Ablewhite took it from his hands.

"It was given to me by a woman, who hid herself from me. What is the meaning of it?"

"You will know soon enough. Go and fetch a four-wheeler."

Jeremiah departed, and returned with the conveyance.

"Give the driver this half-sovereign," whispered Captain Ablewhite. "Tell him it is on account, and that he has a good fare. Instruct him to drive along the Finchley road. No questions, old chap; do as I bid you."

Jeremiah followed out the instructions, and the next moment he and Captain Ablewhite were in the cab.

"No place like a four-wheeler," said the Captain, "for an interchange of confidences. Give me your closest attention, friend Jeremiah. You're in luck's way. Being in one of those awkward fixes which invariably land a fellow in jail and ruin him for ever and ever, amen! something has turned up to save you. This is the way of it – but before I go into the matter you are to understand that you are to make no inquiries. What I choose to impart I will impart – nothing more. Do you agree?"

"Yes."

"To proceed, then. A lady friend of mine – call her a Duchess – has pressing need for a large sum of money, and has only one means of raising it. The amount she requires is four thousand pounds, and she has handed you jewels worth ten times as much. In a month from this date the four thousand will be repaid with interest, and the jewels will be handed back to her. They are in this packet. Seeing's believing; you shall see them."

He unfastened the packet, and took a morocco case from the wrapper. Then he produced a box of wax tapers, which he gave to Jeremiah, bidding him to keep up a light, in order that he might have a good view of the jewels. He nicked the morocco case open, and exposed to view a bracelet of diamonds of such extraordinary size that Jeremiah could not help giving utterance to an exclamation of astonishment.

"You may well cry out," said Captain Ablewhite. "The stones, if they're worth a penny, are worth fifty thousand pounds. Do you wish to know how I became associated with the affair? Well, I've no objection to tell you. The fact is, the Duchess is an old flame of mine. An antique Duke falling in love with her, and being in his dotage, I naturally consent to the marriage. But she is an awfully extravagant woman, and needing instantly the sum of money I mentioned, comes to me. 'I have a friend,' I say to her, 'in the money-lending way, who, if you give him security, will obtain millions for you.' Whereupon she says she will leave her wonderful diamond bracelet with my friend until she pays back the four thousand with ample interest. That will be your profit, Jeremiah. She dare not pledge these diamonds in the regular way with the men who deal regularly in such affairs. It would come to her husband's ears; and although the diamonds are hers, to do as she likes with, there is the future to be considered. The Duke makes her a handsome allowance; he has drawn up his will, leaving her as much as it is in his power to do; he is a very jealous, irascible, pompous-headed old idiot, and it is therefore imperative that this little matter shall be negotiated in such a way as to render it impossible it can come to his knowledge. He brings his wife to London this evening; his town mansion is not in a fit state to receive his noble carcass, so his wife drives him to the Langham. She knows from me that a friend – you, Jeremiah – is waiting outside the hotel; she comes to you, addresses you, slips her bracelet into your hand, and vanishes. What confidence! What imprudence! Dear little soul! As for the interest, charge her sixty, eighty, a hundred per cent. Yes, charge her a hundred. It won't come out of her pocket, it will come out of the Duke's. 'But,' say you, 'I haven't the money to advance; I'm clean stumped.' That need not stop the cart, friend Jeremiah. What you have to do is to go to your governor, Farebrother, and show him these diamonds. If the sight of them doesn't set his thin blood in a glow, nothing will. You say to him, 'The lady requires six thousand pounds on them for a month. She will give one thousand pounds interest.' That is at the rate of two hundred per cent. per annum, friend Jeremiah. You continue: 'If the money is not repaid at the end of the month, the diamonds are yours; they become forfeited. Here is a letter from her to that effect.' I will give it to you presently, Jeremiah, and you can hand it to the governor. He won't be able to resist the bait. How about the ready? Can he lay hands on it?"

"He has bonds that he can sell," replied Jeremiah.

"Good. You can manage that for him. Now, how do you benefit by the transaction? First and foremost, you get six thousand pounds from the governor; you hand me four and keep two. From what you let drop, friend Jeremiah, you need some such sum of ready money to replace the cash you lost at Doncaster. Well, there you have it, and you will be spared acquaintance with the criminal court. In a month you will receive four thousand pounds interest on the loan, of which you hand the governor one thousand, retaining three, which you pay to me off what you owe the book-maker. To oblige me, he will wait. The personal accounts between you and me we will go into by-and-by. You see, friend Jeremiah, something very disagreeable, shockingly disagreeable, stares you in the face, and this is the only way out of it. I shall expect you to show your gratitude. That such a slice of luck should fall to you just in the nick of time is nothing less than miraculous. Now, then, how does the thing strike you? Farebrother will lend the money, won't he? If he doesn't, or if you have any doubt of it, I can take the diamonds somewhere else."

"I don't think," said Jeremiah, slowly, "that there is any doubt he will lend the money."

"Very well, then. Carry it through, and keep it dark. See the governor to-morrow and arrange it. You'll do it?"

"Yes."

"There's nothing more to say, then. Just see the confidence I have in you, leaving you this treasure without so much as a receipt for it. But I know you can be trusted just now, because of the fix you're in. I must see you to-morrow night to hear what you have to tell. Best not to meet at my place or yours till this little matter is concluded. Say at ten o'clock, just outside Whitechapel Church."

"You will be punctual?" said Jeremiah.

"Oh yes," said Captain Ablewhite, laughing; "I will be punctual. Ta-ta! Call to the driver to stop."

He jumped from the cab as the driver was pulling up, leaving Jeremiah to make his way back to London alone.

On the following night, at ten o'clock, they met outside Whitechapel Church, and Jeremiah informed Captain Ablewhite that Miser Farebrother had consented to lend the money. On Tuesday evening Captain Ablewhite received four thousand pounds from Jeremiah, and the gallant Captain walked off with a very peculiar smile on his face. A few hours afterward he was whirling away in the night train to Dover, bound for Italy.