— VI —MR. LUDLOW REQUIRES SOME INFORMATION Mr. Theodore Ludlow spoke first, Mr. Smithers waiting almost ostentatiously for him to do so. But he only got as far as two words – half a question. “Are you—?” “Francis Smithers. – Don’t you recognise me?” “I do not.” “No? And yet you look at me as if we had met before. Have we?” “Never.” “Then allow me to introduce myself. You, I believe, are Mr. Ludlow, of the Strand branch of the National Bank?” “I am.” “Pray take a seat.” “Thank you; I prefer to stand.” “Allow me to offer you a cigar.” “I don’t smoke.” “A little whiskey?” “I never drink intoxicating liquors.” “Then what may I offer you?” “Thank you; nothing. I am here on business, though informally.” Hitherto he had remained standing by the door where he had entered. Now, com

