Philosopher though he was, he could not reason down the tears of joy

that blinded, and the lump in his throat that well-nigh choked him.

After the first wild miscellaneous embrace all round was over, Jack (or

Teddie, as the home-circle called him) found relief by catching up

Dobbin and burying his face in his neck and curls, regardless of the

treacle with which that gentleman was plentifully besmeared.

"I've got bad news for you, Teddie, my boy," said his father, after they

had moderated a little.

"Nobody ill or--dead?" asked Jack, with a look of anxiety.

"No, nobody."

"Then I'm prepared for any other kind of bad news," said our philosopher

with a quiet smile.

"The Blankow Bank," said his father, laying a hand impressively on his

shoulder, "has failed, and every penny of your gold is gone!"

The family had become very grave. Jack looked from one to the other

with a bewildered air.

"You are jesting, father."

"No, my boy; I would that it were not true. The distress that is abroad

in the land because of this calamity is very great. Not only is all

your fortune gone, Ted, but anything that you may have brought home with

you will be taken to pay the creditors of the bank; and they require so

much money that it would ruin you, though you had thousands upon

thousands of pounds."

A strange smile flitted across the youth's face as he replied--

"What I brought home with me won't benefit them much, for it lies with

the wreck of the _Rainbow_ at the bottom of the sea."

This was indeed a surprise to the old couple, who now learned, for the

first time, that the wrecked ship, about which a rumour had just reached

them, was that in which their son had come home.

"But, father," continued Jack, with a look of deepening anxiety, "if

this be as you say, then my comrades must also be ruined, for their gold

was all invested by Mr Wilkins in the same bank."

"All ruined," replied the old man in a sad tone. "Mr Wilkins himself

is bankrupt--the first call brought him and many others down."

"And yourself father; I hope you had no shares in it."

"None, my boy, thank God. Prosperity has attended me ever since I got

the first money you sent home. _That_ saved me, Teddie."

A gleam of joy overspread Philosopher Jack's countenance as he started

to his feet.

"Then am I well and undeservedly rewarded, daddy," he exclaimed; "but

all this news is pretty tough. I must go out to tackle it. I'll be

back in a few minutes."

He sprang through the cottage door and sped away over the moor like a

greyhound. Reaching the top of a rising ground--from which he could see

a boundless stretch of border-land, with the sea in the far distance and

the sun setting in a flood of golden light--he drew himself up, and

pushing back the hair from his temples with both hands, stood gazing

wistfully into the radiant glory.

"So like a dream--so like a dream!" he murmured. "It was God who gave;

surely it is He who has taken away. Can there be anything but good in

all this?"

His hands dropped to his side as he spoke, and he sauntered slowly down

the slope on which he stood. Entering a small plantation of fir-trees

at the foot of it, he disappeared.

When he returned to the cottage all trace of strong feeling was gone.

"We won't talk of the bank to-night," he said, "let's be jolly," and

jolly he was accordingly. Not only so, but he made Dobbin jolly too, by

supplying him with such a number of treacle-pieces that the child could

hardly gasp his refusal of the last slice offered, and was made sticky

from the ends of his filthy fingers to the crown of his curly head.

It is not necessary, nor would it be pleasant to describe minutely the

effect of the "bad news" on the other members of our gold-digging party.

Captain Samson and Watty Wilkins took it well, but Polly and Simon

O'Rook could not easily reconcile themselves to their fate. The former,

it is true, sorrowed not for herself, but for her father. O'Rook,

however, was more selfish, and came down very heavily on what he called

his "luck."

"Sure it's a misfortunate pig I've been iver since I left Owld Ireland,"

he remarked to his pipe one day after dinner, being alone with that

implement at the time; "an no sooner does the first stroke of good luck

befall me, an me fortune's made intirely, than whoop! down goes the

whole consarn to the bottom of the say. It's well, hows'ever, that ye

didn't go down yerself along with it, Simon. Ye've raison to be

thankful for that, anyhow."

If O'Rook's pipe did not offer him a comforting reply it appeared to

console him with its fumes, for after a pause, during which the smoke

played voluminously about his nose, he wrinkled his visage into a smile

of good humour.

"Now, Simon," he said, rising and putting the black little implement in

his pocket, "you're in a fit state to go an' comfort the widdy."

Saying which he went out of the cheap refreshment room in which he had

dined, and betook himself to the principal street of the city, whose

name we have already declined to mention.

To explain his remark, we may state here that after the most diligent

inquiry without success, the Irishman had, by the merest chance,

discovered the widow of David Ban--in this very city, to which he had

accompanied Philosopher Jack and Captain Samson, after clearly

ascertaining that every vestige of the wreck of the _Rainbow_ had

disappeared, and that all his gold was irrevocably gone. Walking along

the principal street one day, he had been attracted by a temperance

eating-house named the "Holly Tree." Entering it for the purpose of, as

he said, "revictualling the ship," he was rooted to the spot by hearing

a customer call out, "Another cup of coffee, please, Mrs Bancroft,"

while at the same moment an assistant at the counter addressed the

comely woman, who replied, "Yes, sir," by the name of "Lucy." Could

proof be more conclusive? Upon inquiry "Lucy" turned out in very truth

to be the widow of David Bancroft, and the lock of hair corresponded.

Of course O'Rook revealed to her the sad circumstances connected with

her husband's end. To say that Mrs Bancroft was overwhelmed with grief

would not be true. She had long mourned him as dead, and although the

information, corroborated as it afterwards was by Edwin Jack and Captain

Samson, did re-open the old wound to some extent, she nevertheless bore

it heroically, and took Simon O'Rook's comforting observations in good

part. But we must not anticipate. Let us return to Watty Wilkins.

Having broken the news of Ben Trench's death to the Bailie and his

family--and a terrible duty he found it to be,--Watty went straight to

his father's house. We drop the curtain on the meeting. The joy of the

elder Wilkins can only be fully understood by those who can say of an

only son, "He was lost and is found."

"Now, Watty, dear boy," said Mr Wilkins when they came to talk of

ordinary matters, "God has mingled mercy with my sorrows. My business

has indeed been ruined, and I have passed through the bankruptcy court;

but I am by no means so unfortunate as hundreds of people who have been

reduced to absolute poverty by this crash. You remember my brother

James--Uncle Jimmy? well, he has got a flourishing business in the West

Indies. For some years past he had been meditating the establishment of

an agency in connection with it in this city. The moment he heard of my

failure he offered to make me his agent here, with a good salary. Of

course I was only too glad and thankful to accept the offer, and after

my affairs were wound up, entered upon the office. So now, you see,

here I am, through God's goodness, still inhabiting the old house, which

I now rent from the person who purchased it. Of course I can no longer

keep a carriage, and it will cost me some calculation and economy to

make the two ends meet, but these are small matters."

"Oh, father, I'm so glad and thankful!" said Watty with sparkling eyes.

"But," continued Mr Wilkins, with a look of profound gravity, "at

present I happen to be troubled with a great difficulty."

"What's that?" asked his little son, with a ready sympathy that was

natural to him, and which his recent experiences had rendered much more

powerful.

"I find the nature of my duties too much for me," replied Mr Wilkins

with a peculiar smile, "and it is almost impossible that I can get along

without a clever, honest, intelligent clerk, or, shall we say,

secretary--a character that is not easily found in these degenerate

days. Can you recommend one, Watty?"

"O yes," cried the youth, springing up and seizing his father's hand in

both of his; "you mean _me_! Don't you, now? You _can't_ get on

without me."

Watty felt inclined to dance a hornpipe, but he sat down instead, and,

covering his face with his hands, burst into tears of joy. Being a

tender-hearted man, Mr Wilkins could not help joining him, but in a

moderate degree. We will leave them thus engaged, merely remarking that

if the act was a weakness, it nevertheless seemed to do them a world of

good.

After a considerable time had elapsed, Philosopher Jack left the Border

cottage one day, went up to town, and presented himself at his old

lodgings to Mrs Niven. That lady's feelings, under the influence of

surprise, had a tendency, as we have shown, to lay her flat on the

floor. But the faithful Peggy had come to understand her tendencies,

and was usually too much for her. When her old lodger made his

appearance in her parlour, Mrs Niven exhibited symptoms which caused

Peggy to glide swiftly forward and receive her in her arms, whence she

was transferred to an easy-chair.

Recovering, she gave Jack what, in the circumstances, was a hearty

welcome.

"Losh me, laddie, ye'll be the death o' me!"

"I hope not, Mrs Niven," said Jack, laughing, as he shook her hand

heartily and sat down, "for my own sake as well as yours; because I have

come to take my old room if it is vacant."

"Yer auld room, Maister Jack!" exclaimed the bewildered woman.

"Yes, if it is not already occupied."

"The yin wi' the reeky lum and the view o' chimbley-pots frae the

wundy?"

"The same. I hope I can have it, for I'm going to college again, and

I've an affection for the old place, despite the smoky chimney and the

cans on the cats' parade."

"Yer jokin', Maister Jack."

"Indeed I am not, Mrs Niven."

"They telt me ye was in Callyforny, an had made 'eer fortin there by

howkin' gold."

"Well, they told the truth, my good woman, but I happened to invest all

in Blankow Bank shares, and--"

"Wow! wow!" exclaimed Mrs Niven, whimpering, for she understood full

well the meaning of that, "an' 'ee've been ruined! Oh dear! Weel,

weel, ay, ay, an it's come to that. Jist like my kind freen' Maister

Black. Losh me! man," she added in a sudden burst of indignation, "what

for disna the Government order a penny subscription ower the hail

kingdom to git the puir guiltless shareholders oot o' their

diffeeculties?"

Philosopher Jack declined to enter upon so subtle a question, but after

finding that his old room was vacant, retook it, and then went out to

the region of the docks to pay a visit to Captain Samson. He found that

old salt in possession of his old lodging, but it was wonderfully

changed, and, perhaps, not for the better. Polly was there, however,

and her presence would have made any place charming.

"Sit down. There is an empty keg to offer a friend," said the captain,

looking round the almost empty room. "You see they've cleared me out.

Had to sell everything a'most."

This was true. The marine stores, coils of rope, kegs, charts,

telescopes, log-lines, sextants, foreign shells, model ships, Chinese

idols--all were gone, excepting a table, a chair, a child's crib in a

corner, and the hammock, which latter looked more like an overwhelmingly

heavy cloud than ever, as it hung over the clean but desolate scene.

"But we're going to have _such_ a nice tea," said Polly, "and you shall

stay and have some."

She bustled about the fire, but it had so little heart that even her

coaxing nearly failed to make it burn. Jack offered to assist.

"Take care," said Polly with some anxiety; "if you cough or sneeze

you'll put it out."

"But I promise neither to cough nor sneeze," said Jack.

Under their united efforts the fire blazed, and tea with buttered toast

ere long smoked on the board.

"Polly's going to London," said the captain suddenly--almost fiercely.

"Yes," said Polly, hastening to explain; "you see, my aunt Maria has

been so good as to offer to take me to live with her and put me to

school."

"Ha!" said the captain, almost blowing the buttered toast out of his

mouth with contempt, "and Aunt Maria says she'll make a lady of Polly!

Think o' that, Jack; _make_ a lady out of an angel!"

The captain was so tickled with the idea that he went off into a roar of

sarcastic laughter.

"I'll tell 'ee what it is, Jack," he continued on recovering, "I

shouldn't wonder it in the course of a few months' residence with her,

Polly was to make a lady out of Aunt Maria--supposin' that to be

possible."

"Oh! father," remonstrated Polly.

"Come," cried the captain savagely, "give us a nor'-wester--that's it;

another--thank 'ee. The fact is, I'm goin' in for nor'-westers durin'

the next fortnight--goin' to have it blow a regular hurricane of 'em."

Philosopher Jack hoped, if at all allowable, that he might be permitted

to come under the influence of the gale, and then asked why Polly was

leaving her father.

"She's not leavin' me, bless you," said the captain, "it's me that's

leavin' _her_. The fact is, I've got a ship. What's left of me is not

over young, but it's uncommon tough, so I mean to use it up as long as

it lasts for Polly. I'm off to the East Indies in two or three weeks.

If it hadn't been for this Aunt Maria I shouldn't have known what to do

for Polly, so I've no call to abuse the stupid old thing. A lady,

indeed--ha!"

"You might have been quite sure that my father's house would have been

open to Polly," said Jack quite warmly, "or Mr Wilkins's, for the

matter of that."

"I know it lad, I know it" returned the captain, slapping his friend on

the shoulder, "but after all, this Aunt Maria--this lady-like

individual--is the most natural protector. But now, tell me, what of

O'Rook?"

"I know nothing of him. Haven't seen him for several days. When I last

met him he seemed to be much depressed, poor fellow. I don't wonder,

considering the fortune he has lost. However, Wilkins's father is sure

to do the best he can for him. He feels so deeply having led him and

the rest of us into this--though it was no fault of his, and he went in

and suffered along with us. I couldn't understand, however, what O'Rook

meant by some wild remarks he made the other day about taking to the

temperance line and going in for coffee and mutton chops up a

holly-tree. I hope it hasn't unseated his reason, poor fellow."

While the trio were thus discussing O'Rook over a cup of tea, that bold

Irishman was busily engaged "comforting the widdy" over a cup of coffee

in Mrs Bancroft's private parlour.

It is only just to O'Rook to say that he originally sought the widow

from a simple desire to tell her of her husband's sad end, which, as we

have seen, had made a deep impression on his sympathetic heart. When,

however, he found that the widow was young, cheery, and good-looking,

his sympathy was naturally increased, and the feeling was not

unnaturally intensified when he found her engaged in the management of

so excellent an institution as the "Holly Tree Public House without

Drink." At first O'Rook confined his visits to pure sympathy; then,

when he had allowed a "raisonable" time to elapse, he made somewhat

warmer approaches, and finally laid siege to the widow's heart. But the

widow was obdurate.

"Why won't ye have me, now?" asked the poor man one evening, with a

perplexed look; "sure it's not bad-lookin' I am, though I've no occasion

to boast of gud looks neither."

"No, it's not your looks," said Mrs Bancroft with a laugh, as she

raised her eyes from her knitting and looked at her sister Flo, who sat

opposite, also knitting, and who took a smiling but comparatively

indifferent view of the matter.

"Then it must be because I'm not owld enough. Sure if ye wait a year or

two I'll be as owld as yourself, every bit," said O'Rook.

"No, it's not that either," said the widow.

"Ah, then, it can't be because I'm poor," persisted O'Rook, "for with

this good business you don't want money, an' I'm great at cookin',

besides havin' the willin' hands that can turn to a'most anything. If

ye'd seen me diggin' for goold, bad luck to it, ye'd belaive what I tell

ye. Ah!" he added with a sigh, "it's a rich man I'd have been this day

if that ship had only kep' afloat a few hours longer. Well, well, I

needn't grumble, when me own comrades, that thought it so safe in the

Blankow Bank, are about as badly off as me. When was it they began to

suspec' the bank was shaky?"

"Oh, long ago," said Mrs Bancroft, "soon after the disappearance of Mr

Luke, the cashier--"

"Mr who?" demanded O'Rook with a start.

"Mr Luke. Did you know him?"

"I've heard of such a man," replied O'Rook with assumed carelessness;

"what about _him_?"

"Well, it was supposed that he was goin' deranged, poor fellow, and at

last he suddenly disappeared, no one could tell why; but it's clear

enough now, for he was made to put the accounts all wrong, and I suppose

the struggle in his mind drove him to suicide, for he was a long, thin,

weakly sort of man, without much brains except for figures."

Hereupon O'Rook told the widow all he knew about the strange passenger

of that name with whom he had sailed to the Southern Seas and worked at

the gold fields. The conclusion which they came to was that the

gold-digging passenger was the absconded cashier. Having settled this,

O'Rook renewed the siege on the widow's heart but without success,

though she did not cast him off altogether. The poor man, however, lost

patience, and, finally, giving it up in despair, went off to sea.

"I've been too hard on him," remarked the widow, sadly, to her sister

Flo, after he was gone.

"You have," was Flo's comforting reply, as she rose to serve a clamorous

customer of the Holly Tree.

Philosopher Jack from that time forth devoted himself heartily to study,

and gradually ceased to think of the golden dreams which had for so long

a time beset him by night and by day. He had now found the gold which

cannot perish, and while he studied medicine and surgery to enable him

to cure the bodies of men, he devoted much of his time to the study of

the Book which would enable him to cure their souls.

The captain came and went across the seas in the course of his rough

calling, and he never came without a heart full of love and hands full

of foreign nick-nacks, which he conveyed to Polly in London, and never

went away without a rousing nor'-wester.

Watty and his father worked on together in vigorous contentment and many

a visit did the former pay to Bailie Trench, attracted by the strong

resemblance in Susan to the bosom friend who had reached the "Better

Land" before him.

Thus time rolled quietly on, until an event occurred which modified the

career of more than one of those whose fortunes we have followed so

long.

CHAPTER TWELVE.

CONCLUSION OF THE WHOLE MATTER.

If it be true that there is "many a slip 'twixt the cup and the lip"--

which we have no reason to doubt--it is not less true that many a cup of

good fortune is, unexpectedly and unsought, raised to the lips of

thankless man.

Captain Samson was seated one fine summer evening in his shore-going

cabin, that used to be the abode of fishy smells, marine-stores, Polly,

and bliss, but which now presented an unfurnished and desolate aspect.

He had just returned from a voyage. Little "kickshaws" for Polly lay on

the table before him, and a small fire burned in the grate, with a huge

kettle thereon. A stormy sigh escaped the captain as he glanced round

the old room.

"Come, come, Samson," he exclaimed, apostrophising himself, "this will

never do. You mustn't give way to the blues. It's true you haven't got

as much to leave to Polly when you slip your cable as you once had; but

you have scraped together a little these few years past, and there's

lots of work in you yet, old boy. Besides, it's His way of ordering

events, and that way _must_ be right, whatever it appears to me. Why,

Samson, for all your preaching to others, your own faith isn't as big as

a grain of mustard seed. Ah! Polly, you're a woman now a'most--and a

beauty, I'll be bound. I wish you'd come though. You're not up to

time, young 'ooman. It's as well you've got one or two faults, just to

keep you in sympathy with other mortals. Ah, here you come."

He hastened to answer a double knock at the door, and checked himself,

not a moment too soon, from giving a warm embrace to the postman. Under

a strong impulse to knock the man down he took a letter from him, flung

it on the table, and shut the door. After pacing the room for some time

impatiently he sat down, opened the letter, and read it aloud. It ran

thus:--

"Sir--Having been for some years past engaged in diving operations at

the wreck of the _Rainbow_--lost off the coast of Cornwall in 18

hundred and something, I write to say that I have recovered a large

chest of gold with your name on the inside of it, and that of a man

named Simon O'Rook. Most of the gold recovered from the _Rainbow_ has

been scattered about, but in all cases when ownership could be proved,

I have handed over the property. If you can give such an account of

the contents of the chest referred to as shall satisfy me that it is

yours, the part of its contents which belongs to you shall be

restored.

"I would feel obliged if you could give me any clew to the whereabouts

of O'Rook.--I am, etcetera."

"The whereabouts of O'Rook!" cried the captain, starting up and gazing

at the letter; "why, he's my own first mate, an' close alongside at this

good hour!"

"True for ye," cried a man outside the window, as he flattened his nose

against the glass, "an is it polite to kape yer own first mate rappin'

the skin off his knuckles at the door?"

The captain at once let in his follower, and showed him the letter. His

surprise may be better imagined than described.

"But d'ee think it's true, cap'n?"

"I haven't a doubt of it, but we can settle that to-morrow by a visit to

the writer of the letter."

"That's true," said O'Rook; "which o' the boxes, now, that belonged to

us d'ee think it is?"

"It can only be one," replied the captain, "that box of mine in which

you asked me to stuff the remnant of the gold-dust that you hadn't room

for in your own boxes. It was the strongest box o' the lot, which

accounts for its not breakin' up like the others."

"It must be that. I rowled it up in an owld leather coat bought from an

Injin the day before we left the diggin's. It's but a small remainder

o' me fortune--a thousand pounds, more or less,--but sure, it's found

money an comes handy this good day, which reminds me I've got some noose

for 'ee. What d'ee think, cap'n?" continued O'Rook, with a very

conscious look.

"How can I think if ye don't give me somethin' to think about?"

"The widdy's tuk me after all!" said O'Rook.

"What! widow Bancroft?"

O'Rook nodded impressively. "Moreover," he said, "she's tuk me as a

poor beggar with nothin' but his pay, for better and for worse, an',

sure now, it's better I'll be than she tuk me for."

The captain was interrupted in his congratulations of the mate by

another knock at the door. He opened it, and next moment was seized

round the neck by a tall, graceful, beautiful, exquisite--oh! reader,

you know who we mean.

"Why didn't you come up to time, old girl?" demanded the captain, while

O'Rook looked on in admiration.

"Oh, father," gasped Polly, "don't crush me so and I'll tell you."

When she had explained that delay in the train had caused her want of

punctuality, she shook hands with O'Rook, with whom she had renewed

acquaintance at the time of his being appointed first mate to her

father's ship. Then she was bid stand up in a corner to be

"overhauled." The captain retired to an opposite corner, and gazed at

his daughter critically, as though she had been a fine portrait.

"Yes, Polly, you'll do," he said, while an approving smile wrinkled his

vast countenance. "Fit for a queen any day. A _lady_--ha! ha! Have

you done your duty to Aunt Maria, Polly, eh? Have you made a lady of

her, eh? Have you infused into her something allied to the angelic, eh?

Come, now, a rousing nor'-wester!"

With a laugh worthy of her girlhood, Polly ran out of her corner and

obeyed orders.

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