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32 "Good morning, Mr. Rattar," said he, throwing his long form into the clients' chair as he spoke. "Well, I guess you've got some good advice for me this morning."

Simon Rattar was proverbially cautious, but to-day his caution struck his visitor as quite remarkable.

"Um," he grunted. "Advice, Mr. Cromarty? Umph!"

"Don't trouble beating about the bush," said the tall man. "I've been figuring things out myself and so far as I can see, it comes to this:—that loan from Sir Reginald put me straight in the meantime, but I've got to cut down expense all round to keep straight, and I've got to pay him back. Of course you know his way when it's one of the clan he's dealing with. 'My dear Ned, no hurry whatever. If you send my heir a cheque some day after I'm gone it will have the added charm of surprise!' Well, that's damned decent, but hardly business. I want to get the whole thing off my chest. Got the statement made up?"

Simon shook his head.

"Very sorry, Mr. Cromarty. Haven't had time yet."

"Hell!" said Mr. Cromarty, though in a cheerful voice, and then added with an engaging smile. "Pardon me, Mr. Rattar. I'm trying to get educated out of strong language, but, Lord, at my time of life it's not so damned—I mean dashed easy!"