Well, After All. Frank Frankfort Moore
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For three hours Richard Westwood had been subjected to a severer strain than most men have to submit to in the course of their lives. He was, as has already been stated, the senior partner in the chief banking house of Brackenshire—an old and highly-respected establishment. In fact, there was a time when the stability of the house of Westwood, Westwood, Barwell, & Westwood was regarded as at least equal to that of the county itself. Only an earthquake could, it was thought, produce any impression upon an English wheat-growing county, and a cataclysm of corresponding violence in the financial world would be required to shake the stability of Westwoods' Bank.
But in the course of time the importation of wheat in thousands of tons from America and elsewhere caused the most earnest believers in the stability of an English agricultural county to stand aghast; and then a day came when a bank or two of quite as great respectability as Westwoods' closed their doors and stopped payment all inside a single week. In a country where people talk about things being “as safe as the bank” such an occurrence produces an impression similar to that of a thunderstorm in December or a frozen lake in June: people begin to question the accuracy of their senses. If the bank where they and their fathers and grandfathers have deposited their money for years back beyond any remembrance, closes its doors, what is there on earth that can be trusted?
It was toward the close of this phenomenal week that the rumour arose in brackenhurst that Westwoods' Bank would be the next to fall. No one knew where the rumour originated—no one knew what foundation there was for such a rumour—no one who had money lodged in the bank seemed to inquire.
Even up to noon on the day when the run upon the Brackenhurst offices took place, nothing occurred to suggest that a panic was imminent among the customers of the bank. For two hours the business of the establishment was normal; Mr. Westwood was in his own room, discussing with his solicitor the validity of some documents offered as security for an overdraft by a local firm; the cashier, having received a few small lodgments, was writing a letter to the Secretary of the Styrton Cricket Club regarding the visit of the Brackenhurst Eleven on the Saturday; two of the other members of the staff were considering the very important question as to whether they should have their cups of coffee at once or wait for another halfhour, when, with the suddenness of a quick change of scenery at a well-managed theatre, the swingdoors were flung open and the bank was filled to overflowing with an eager crowd, crushing one another against the mahogany counters in their endeavours to reach the stand of the cashier.
Panic-stricken were the faces at which the cashier looked up from his half-finished letter—faces that communicated their panic to all who saw them. The cashier caught it in a moment: he glanced hastily round as if seeking for a way of escape.
The men and women, perceiving that he had lost his head, became wilder in their attempts to get opposite his desk. Outside, the crowd, striving to reach the doors of the bank, had become clamorous. The High Street of Brackenhurst was in an uproar. The two clerks had ceased to discuss the great coffee question. They were thinking of their revolvers.
As the panic-stricken cashier stood looking vacantly into the pale faces before him, but making no effort to attend to the three men who waved their cheques across the counter, Mr. Westwood came out of his room by the side of his solicitor. He was smiling as he shook hands and said goodbye. There was an instantaneous silence in the place.
“We shall see you at the cricket match on Saturday,” were the words that came through the silence from Mr. Westwood, as he shook hands with the other man. “If the weather continues like this it will be a batsman's day.”
He waved his hand as the solicitor went out into the crowd. The crowd that had been almost clamorous a minute before were now breathless with astonishment. They stared at the man who, when ruin was in the air, was talking of cricket. A batsman's day! A batsman's day! What did it mean? What manner of man was this who could talk quietly of a batsman's day when over his head the sword of Damocles was hanging?
The silence was unnatural; it became terrifying. Every one watched Mr. Westwood as he walked round to where the cashier was standing. He paid no attention to the clerk, but glancing across the counter, nodded pleasantly to one of the men who had been waving the cheques, like pink flags, in the direction of the desk.
“Good day, Mr. Simons,” said he. “What a dry spell we are having. They talk of the good old-fashioned summers—how is it you are not being attended to?” He turned to the cashier. “Come, Mr. Calmour, if you please; I fear I must ask you to stir yourself; it's likely to be a busy day. You want a cheque cashed, Mr. Simons? Certainly. You also have your cheque, Mr. Thorburn, and you, Mrs. Langley?”
“We want our money, sir,” said Mrs. Langley. She was a tall, bony lady, who had been the first to enter the bank. She was the principal of the Ladies' Collegiate School.
“So I understand, my dear lady,” said Mr. Westwood. “You shall have every penny of your money.”
From every part of the crowd hands were thrust, each waving a pink cheque. The people were no longer silent. One or two men of those nearest to Mr. W'estwood nodded to him. One made a sort of apology for asking for his balance at once—a sudden demand from a creditor compelled him to do so, he said, with a very weak smile. Another hoped Mr. Westwood's pheasants promised well. But beyond these actors were men with staring eyes, women with white faces become haggard within a few minutes, small tradesmen bareheaded and still wearing their aprons, artisans who had saved a few pounds and had placed all in the keeping of the bank, clergymen as anxious to draw their balance as their churchwardens, and painfully surprised that their parishioners should decline to give away to them in the common struggle to reach the counters.
The banker ceased to smile as he glanced across the crowd. He turned to the cashier, who had already got into action, so to speak, and was noting cheques preparatory to paying them.
“We shall have a busy hour or two, Mr. Calmour,” the head of the firm was heard to say. “Pay away all your gold without the delay of a moment. I shall bring you another ten thousand from the strong room.”
One could almost hear the sigh of relief that passed round the crowd as Mr. Westwood hurried into his own room. Two clerks had come to the cashier's desk bringing their books with them, and now the three members of the staff were hard at work, paying away gold in exchange for cheques. Within the space of a few minutes the bank porter, followed by Mr. Westwood, entered the cashier's cubicle staggering beneath the weight of turn large leathern bags, strapped and sealed. He threw them on the counter with a dull crash—the sweetest music known to the sons of men—and to the daughters of men as well—the crash of minted gold.
Mr. Westwood broke the seals of one, and in view of every one who had managed to crush near enough to see, sent a glittering stream of yellow gold flowing from the mouth of the bag into the cashier's till. He pressed the sovereigns and halfsovereigns flat with his hand and continued pouring until the receptacle could hold no more. Then he laid the bag, still half-full, in a deep drawer, and by its side he placed the second bag with the seal still unbroken.
This second bag was apparently even heavier than the first, for Mr. Westwood had to put forth all his strength to lift it from the counter to the drawer. An hour afterwards one of the clerks was able to lift it between his finger and thumb, and was astonished beyond measure at Mr. Westwood's cleverness in suggesting to the clamorous crowd that the second bag was like the first, full of gold, when it was quite empty.
But when the business of replenishing the cashier's till had been gone through, Mr. Westwood retired to watch the operations incidental to the cashing of the cheques. The technique of the transaction was much more tedious than it usually was; for as every cheque presented was drawn for the balance of an account, the cashier had to verify the figures, which involved the working out of two sums in compound addition, whereas the normal work of cashing a cheque required only a glance at the figures. Rapidly though the cashier now made his calculations, several minutes were still occupied in comparing the figures, and in more than one instance it was found that the drawer of the cheque had made a mistake in his addition through his haste in writing up his pass-book. It became perfectly plain to every one,