Chapter 13 BUSINESS FIRST.

The manager at Messrs. Drummond, Coutts and Barclay's, Limited, received Colonel Kelmscott with distinguished consideration. A courteous, conciliatory sort of man, that manager, with his close-shaven face and his spotless shirt-front.

"Five minutes, my dear sir?" he exclaimed, with warmth, motioning his visitor blandly into the leather-covered c