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Rh him that night, telling that cock-and-bull story about the afternoon walks and the handful of malt. There was a nice schoolboy tale to take in a man who thought himself broad as Cheapside! He cursed himself high and low. To be done, and to know it, was a galling thing, but this would be worse. The tale would get about. They would boast of a clever stroke like that, and that would injure him with everybody; with honest men, because his reputation, as it was, would bear no worsening, and with knaves like himself, because they would laugh at him, and leave him out when any little co-operative swindle was in contemplation. But though the chagrin of the defeat was bitter bad enough, his losses were worse. He had taken everything offered on Janissary after he had nobbled the wrong horse, and had given almost any odds demanded. Do as he might, he could see nothing but a balance against him on Monday, which, though he might pay out his last cent, he could not cover by several hundred pounds.

But on the day he met his customers at his club, as usual, and paid out freely. Young Richard Telfer, however, with whom he was