thought I, throwing down the paper, and hastening to attend a summons just brought me from the superintendent; 'and if Owen Lloyd is still within the four seas, his chance of escape seems but a poor one.'

On waiting on the superintendent, I was directed to put myself in immediate personal communication with a Mr Smith, the head of an eminent wholesale house in the City.

'In the City!'

'Yes; but your business with Mr Smith is relative to the extensive robbery at his West-end residence a week or two ago. The necessary warrants for the apprehension of the suspected parties have been, I understand, obtained, and on your return will, together with some necessary memoranda, be placed in your hands.'

I at once proceeded to my destination, and on my arrival, was immediately ushered into a dingy backroom, where I was desired to wait till Mr Smith, who was just then busily engaged, could speak to me. Casting my eyes over a table, near which the clerk had placed me a chair, I perceived a newspaper and the 'Police Gazette,' in both of which the advertisements for the discovery of Owen Lloyd were strongly underlined. 'Oh, ho,' thought I; 'Mr Smith, then, is the X. Y. Z. who is so extremely anxious to renew his acquaintance with Mr Owen Lloyd; and I am the honoured individual selected to bring about the desired interview. Well, it is in my new vocation—one which can scarcely be dispensed with, it seems, in this busy, scheming life of ours.'

Mr Smith did not keep me waiting long. He seemed a hard, shrewd, business man, whose still wiry frame, brisk, active gait and manner, and clear, decisive eye, indicated—though the snows of more than sixty winters had passed over his head—a yet vigorous life, of which the morning and the noon had been spent in the successful pursuit of wealth and its accompaniment—social consideration and influence.

'You have, I suppose, read the advertisements marked on these papers?'

'I have, and of course conclude that you, sir, are X. Y. Z.'

'Of course conclusions,' rejoined Mr Smith with a quite perceptible sneer, 'are usually very silly ones: in this instance especially so. My name, you ought to be aware, is Smith: X. Y. Z., whoever he may be, I expect in a few minutes. In just seventeen minutes,' added the exact man of business; 'for I, by letter, appointed him to meet me here at one o'clock precisely. My motive in seeking an interview with him, it is proper I should tell you, is the probability that he, like myself, is a sufferer by Owen Lloyd, and may not therefore object to defray a fair share of the cost likely to be incurred in unkennelling the delinquent, and prosecuting him to conviction; or, which would be far better, he may be in possession of information that will enable us to obtain completely the clue I already almost grasp. But we must be cautious: X. Y. Z. may be a relative or friend of Lloyd's, and in that case, to possess him of our plans would answer no purpose but to afford him an opportunity of baffling them. Thus much premised, I had better at once proceed to read over to you a few particulars I have jotted down, which, you will perceive, throw light and colour over the suspicions I have been within these few days compelled to entertain. You are doubtless acquainted with the full particulars of the robbery at my residence, Brook Street, last Thursday fortnight?'

'Yes; especially the report of the officers, that the crime must have been committed by persons familiar with the premises and the general habits of the family.'

'Precisely. Now, have you your memorandum-book ready?'

'Quite so.'

'You had better write with ink,' said Mr Smith, pushing an inkstand and pens towards me. 'Important memoranda should never, where there is a possibility of avoiding it, be written in pencil. Friction, thumbing, use of any kind, often partially obliterates them, creating endless confusion and mistakes. Are you ready?'

'Perfectly.'

'Owen Lloyd, a native of Wales, and, it was understood, descended from a highly-respectable family there. About five feet eight; but I need not describe his person over again. Many years with us, first as junior, then as head clerk; during which his conduct, as regards the firm, was exemplary. A man of yielding, irresolute mind—if indeed a person can be said to really possess a mind at all who is always changing it for some other person's—incapable of saying "No" to embarrassing, impoverishing requests—one, in short, Mr Waters, of that numerous class of individuals whom fools say are nobody's enemies but their own, as if that were possible'——

'I understand; but I really do not see how this bears upon'——

'The mission you are directed to undertake? I think it does, as you will presently see. Three years ago, Owen Lloyd having involved himself, in consequence of the serious defect of character I have indicated, in large liabilities for pretended friends, left our employment; and to avoid a jail, fled, no one could discover whither. Edward Jones, also a native of the principality, whose description, as well as that of his wife, you will receive from the superintendent, was discharged about seven years since from our service for misconduct, and went, we understood, to America. He always appeared to possess great influence over the mind of his considerably younger countryman Lloyd. Jones and his wife were seen three evenings since by one of our clerks near Temple Bar. I am of opinion, Mr Waters,' continued Mr Smith, removing his spectacles, and closing the note-book, from which he had been reading, 'that it is only the first step in crime, or criminal imprudence, which feeble-minded men especially long hesitate or boggle at; and I now more than suspect that, pressed by poverty, and very possibly yielding to the persuasions and example of Jones—who, by the way, was as well acquainted with the premises in Brook Street as his fellow-clerk—the once honest, ductile Owen Lloyd, is now a common thief and burglar.'

'Indeed!'

'Yes. A more minute search led to the discovery, the day before yesterday, of a pocket-book behind some book-shelves in the library. As no property had been taken from that room—though the lock of a large iron chest, containing coins and medals, had been evidently tampered with—the search there was not at first very rigorous. That pocket-book—here it is—belonged, I know, to Owen Lloyd when in our service. See, here are his initials stamped on the cover.'

'Might he not have inadvertently left it there when with you?'

'You will scarcely think so after reading the date of the five-pound note of the Hampshire County Bank, which you will find within the inner lining.'

'The date is 1831.'

'Exactly. I have also strong reason for believing that Owen Lloyd is now, or has been lately, residing in some part of Hampshire.'

'That is important.'

'This letter,' continued Mr Smith; and then pausing for a brief space in some embarrassment, he added—'The commissioner informed me, Mr Waters, that you were a person upon whose good sense and discretion, as well as sagacity and courage, every confidence might be placed. I therefore feel less difficulty than I otherwise should in admitting you a little behind the family screen, and entering with you upon matters one would not willingly have bruited in the public ear.'

I bowed, and he presently proceeded.

'Owen Lloyd, I should tell you, is married to a very amiable, superior sort of woman, and has one child, a daughter named Caroline, an elegant, gentle-mannered, beautiful girl I admit, to whom my wife was much attached, and she was consequently a frequent visitor in Brook Street. This I always felt was very imprudent; and the result was, that my son Arthur Smith—only about two years her senior; she was just turned of seventeen when her father was compelled to fly from his creditors—formed a silly, boyish attachment for her. They have since, I gather from this letter, which