cold, inhuman, and spelled business from the ground up. Its oldest customer could not buy a draft on Paris or London or other of the bank's correspondents without paying the required fee. The wealthiest depositor could not expect to overdraw his checking account one dollar without being required to settle up before the next day was gone. Loans were made hesitatingly, grudgingly, and of necessity, always on security and never on character.
Such was the Exeter National. Its character was reflected in the cold faces at its windows, and the chance customers who entered its sacred portals were duly cowed and put in their proper place. Most of them were, that is. Occasionally some intrepid soul appeared who seemed impervious to the gloomy chill, who seemed even to resent it. One of these persons was now standing in the lobby and staring around with a cool impudence which drew unfavourable glances from the clerks.
He was a decently dressed fellow, obviously no customer of this sacrosanct place, obviously a stranger to its interior. Beneath a rakishly cocked soft hat beamed a
