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Rh in a taxi-cab save as the guest of some other person who paid. He travelled by tube or omnibus from the Bayswater Road, where he lived what he described as his private life. He lunched in the staff dining-room, punctiliously paying his bill; he dined at home in solitary state, for he had neither chick nor child, heir or wife. Once an elder sister had lived with him and had died (according to the popularly accepted idea) of slow starvation, for he was a frugal man.

It seems the fate of apparently rich and frugal men that they either die and leave their hoardings to the State or else they disappear, leaving behind them monumental debts. The latter have apparently no vices; even the harassed accountant who disentangles their estates cannot discover the channel through which their hundreds of thousands have poured. The money has gone and, if astute detectives bring back the defaulter from the pleasant life which the Southern American cities offer to rich idlers, he is hopelessly vague as to the method by which it went.

Mr. Lassimus White was the managing director and general manager of Punsonby's. He held, or was supposed to hold, a third of the shares in that concern, shares which he had inherited from John Punsonby, his uncle, and the founder of the firm. He drew a princely salary and a substantial dividend, he was listed as a debenture holder and was accounted a rich man.

But Mr. White was not rich. His salary and his dividends were absorbed by a mysterious agency which called itself the Union Jack Investment and Mortgage Corporation, which paid premiums on Mr. White's heavy life insurance and collected the whole or nearly the whole of his income. His secret, well guarded as it was, need be no secret to the reader. Mr. White, who had never touched a playing-card in his life and who grew apoplectic at the sin and shame of playing the races, was an inveterate gambler. His passion was for Sunken Treasure Syndicates, formed to recover golden ingots from ships of the Spanish Armada; for companies that set forth to harness the horse-power of the sea to the services of commerce; for optimistic