“Then let me beg that such a liberty be not repeated,” Mr. Bultiwell continued brutally. “I look upon a man who has compounded with his creditors as a person temporarily, at any rate, outside the pale of converse with his fellows on—er—equal terms. I look upon your presence in a first-class carriage, wearing a floral adornment,” Mr. Bultiwell added, with a jealous glance at the very beautiful rose, “which is, to say the least of it, conspicuous, as—er—an impertinence to those who have had the misfortune to suffer from your insolvency.”

The healthy colour faded from Jacob’s cheeks. He had the air of one stricken by a lash—dazed for the moment and bewildered.

“My rose cost me nothing,” he faltered, “and my season ticket doesn’t expire till next month. I must go up to the City. My help is needed—with the books.”

Mr. Bultiwell shook his paper preparatory to disappearing behind it.

“Your presence here may be considered a matter of taste,” he fired off, as a parting shot. “I call it damned bad taste!”

Mr. Jacob Pratt sat like a hurt thing till the train stopped at the next station. Then he stumbled out on to the platform, and, making his way through an unaccountable mist, he climbed somehow or other into a third-class carriage. Richard Dauncey, the melancholy man who lived in the cottage opposite to his, looked up at the newcomer’s entrance, and, for the first time within his recollection, Jacob saw him smile.

“Good morning, Mr. Pratt,” the former said, with a strenuous attempt at cordiality. “If you’ll excuse my saying so, that’s the finest rose I’ve ever seen in my life.”

Richard Dauncey made his fortune by that speech—and Jacob had to swallow very hard and look very fixedly out of the window.

CHAPTER I

Precisely two years later, Jacob Pratt sat once more in his cottage sitting-room, contemplating the remains of a barely tasted breakfast. Before him, read for the fiftieth time, were the wonderful letters, in his brain a most amazing confusion, in his heart an almost hysterical joy. Presently Mrs. Harris brought in his hat and stick.

“You’ll excuse my mentioning it, sir,” she said, looking at the former a little disparagingly, “but, brush though I may, there’s no doing much with this hat of yours. The nap’s fair gone. Maybe you haven’t noticed it, sir, but, with the summer coming on, a straw hat—”

“I’ll buy a straw hat to-day, Mrs. Harris,” Jacob promised.

“And you’ll be home at the usual time for your supper, sir?”

“I—I expect so. I am not quite sure, Mrs. Harris. I shall be home sometime during the day, all right.”

Mrs. Harris shook her head at the sight of the untasted egg.

“You’ll excuse my saying so, sir,” she pronounced severely, “but there’s no good work done on an empty stomach. Times is hard, as we all know, but eggs is cheap.”

“Mrs. Harris,” Jacob reminded her, “it is two years since I left one of your eggs. I left it then because I was miserable. I am leaving it this morning because—I have had good news. I can’t eat. Later on—later on, Mrs. Harris.”

“And a bit of good news is what you deserve, sir,” the latter declared, lingering while he cut his accustomed rose with fingers which trembled strangely.

“Thank you very much, Mrs. Harris,” he said. “When I come back to-night, I’ll tell you all about it.”

Once more, then, two years almost to a day after Mr. Edward Bultiwell, of the great firm of Bultiwell and Sons, had laid down his newspaper and spoken his mind, Jacob was on his way to the station, again wearing a choice rose in his buttonhole. He had found no occasion to change his lodgings, for he had been an economical man who took great care of his possessions even in the days of his prosperity, and his moderate salary as traveller for a Bermondsey firm of merchants brought him in quite enough for his simple needs. He had to some extent lived down his disgrace. The manager of the International Stores nodded to him now, a trifle condescendingly, yet with tacit acknowledgement of the fact that in domestic affairs Jacob was a man of principle who always paid his way. The greengrocer’s wife passed the time of day when not too preoccupied, and the newspaper boy no longer clutched for his penny. Jacob generally met the melancholy man at the corner of the avenue and walked to the station with him. And he still grew roses and worshipped them.

On the way to the station, on this particular morning, he amazed his friend.

“Richard,” he said, “I shall not travel to the City with you to-day. At least I shall not start with you. I shall change carriages at Wendley, as I did once before.”

“The devil!” Richard exclaimed.

They were passing the plate-glass window of a new emporium, and Jacob paused to glance furtively at his reflection. He was an exceedingly neat man, and his care for his clothes and person had survived two years of impecuniosity. Nevertheless, although he passed muster well enough to the casual observer, there were indications in his attire of the inevitable conflict between a desire for adornment and the lack of means to indulge it. His too often pressed trousers were thin at the seams; his linen, though clean, was frayed; there were cracks in his vigorously polished shoes. He looked at himself, and he was suddenly conscious of a most amazing thrill. One of the cherished desires of his life loomed up before him. Even Savile Row was not an impossibility.

At the station he puzzled the booking clerk by presenting himself at the window and demanding a first single to Liverpool Street.

The youth handed him the piece of pasteboard with a wondering glance.

“Your season ain’t up yet, Mr. Pratt.”

“It is not,” Jacob acquiesced, “but this morning I desire to travel to town first-class.”

Whilst he waited for the train, Jacob read again the wonderful letters, folded them up, and was ready, with an air of anticipation, when the little train with its reversed engine came puffing around the curve and brought its few antiquated and smoke-encrusted carriages to a standstill. Everything went as he had hoped. In that familiar first-class carriage, into which he stepped with beating heart, sat Mr. Bultiwell in the farthest corner, with his two satellites, Stephen Pedlar, the accountant, and Lionel Groome. They all stared at him in blank bewilderment as he entered. Mr. Bultiwell, emerging from behind the Times, sat with his mouth open and a black frown upon his forehead.

“Good morning, all,” Jacob remarked affably, as he sprawled in his place and put his legs up on the opposite seat.

He might have dropped a bombshell amongst them with less effect. Every newspaper was lowered, and every one stared at this bold intruder. Then they turned to Mr. Bultiwell. It seemed fittest that he should deal with the matter. Unfortunately, he, too, seemed temporarily bereft of words.

“I seem to have startled you all a bit, what?” Jacob continued, with the air of one thoroughly enjoying the sensation he had produced. “I’ve got my ticket all right. Here you are,” he went on, producing it,—“first-class to Liverpool Street. Thought I’d like to have a look at you all once more. Sorry to see you’re not looking quite your old self, Mr. Bultiwell. Nasty things, these bad debts, eh? Three last week, I noticed. You’ll have to be careful down Bristol way. Things there are pretty dicky.”

“It would be more becoming on your