Early one April afternoon the major was strutting down St. James's Street, frock-coated and kid-gloved, with protuberant chest and glittering shoes which peeped out from beneath the daintiest of gaiters. Young Girdlestone, who had been on the look-out from a club window, ran across and intercepted him.

"How are you, my dear major?" he cried, advancing upon him with outstretched hand and as much show of geniality as his nature permitted.

"How d'ye do? How d'ye do?" said the other somewhat pompously. He had made up his mind that nothing was to be done with the young man, and yet he was reluctant to break entirely with one whose purse was well lined and who had sporting proclivities.

"I've been wishing to speak with you for some days, major," said Ezra. "When could I see you?"

"You'll niver see me any plainer than you do at this very moment," the old soldier answered, taking a sidelong glance of suspicion at his companion.

"Ah, but I wish to speak to you quietly on a matter of business," the young merchant persisted. "It's a delicate matter which may need some talking over, and, above all, it is a private matter."

"Ged!" said the major, with a wheezy laugh, "you'd have thought I wanted to borrow money if I had said as much. Look here now, we'll go into White's private billiard-room, and I'll let you have two hunthred out of five for a tinner--though it's as good as handing you the money to offer you such odds. You can talk this over while we play."

"No, no, major," urged the junior partner. "I tell you it is a matter of the greatest importance to both of us. Can you meet me at Nelson's Cafe at four o'clock? I know the manager, and he'll let us have a private room."

"I'd ask you round to me own little place," the major said, "but it's rather too far. Nelson's at four. Right you are! 'Punctuality is next to godliness,' as ould Willoughby of the Buffs used to say. You didn't know Willoughby, eh? Gad, he was second to a man at Gib in '47. He brought his man on the ground, but the opponents didn't turn up. Two minutes after time Willoughby wanted his man to leave. 'Teach 'em punctuality,' he said. 'Can't be done,' said his man. 'Must be done,' said Willoughby. 'Out of the question,' said the man, and wouldn't budge. Willoughby persisted; there were high words and a quarrel. The docther put 'em up at fifteen paces, and the man shot Willoughby through the calf of the leg. He was a martyr to punctuality. Four o'clock-bye, bye!" The major nodded pleasantly and swaggered away, flourishing his little cane jauntily in the air.