may suffer unless some way be found out of this horrible affair."
"Pray compose yourself, sir," said Holmes, "and let me have a clear
account of who you are and what it is that has befallen you."
"My name," answered our visitor, "is probably familiar to your ears.
I am Alexander Holder, of the banking firm of Holder & Stevenson, of
Threadneedle Street."
The name was indeed well known to us as belonging to the senior
partner in the second largest private banking concern in the City of
London. What could have happened, then, to bring one of the foremost
citizens of London to this most pitiable pass? We waited, all
curiosity, until with another effort he braced himself to tell his
story.
"I feel that time is of value," said he; "that is why I hastened here
when the police inspector suggested that I should secure your
co-operation. I came to Baker Street by the Underground and hurried
from there on foot, for the cabs go slowly through this snow. That is
why I was so out of breath, for I am a man who takes very little
exercise. I feel better now, and I will put the facts before you as
shortly and yet as clearly as I can.
"It is, of course, well known to you that in a successful banking
business as much depends upon our being able to find remunerative
investments for our funds as upon our increasing our connection and
the number of our depositors. One of our most lucrative means of
laying out money is in the shape of loans, where the security is
unimpeachable. We have done a good deal in this direction during the
last few years, and there are many noble families to whom we have
advanced large sums upon the security of their pictures, libraries,
or plate.
"Yesterday morning I was seated in my office at the bank when a card
was brought in to me by one of the clerks. I started when I saw the
name, for it was that of none other than--well, perhaps even to you I
had better say no more than that it was a name which is a household
word all over the earth--one of the highest, noblest, most exalted
names in England. I was overwhelmed by the honour and attempted, when
he entered, to say so, but he plunged at once into business with the
air of a man who wishes to hurry quickly through a disagreeable task.
"'Mr. Holder,' said he, 'I have been informed that you are in the
habit of advancing money.'
"'The firm does so when the security is good.' I answered.
"'It is absolutely essential to me,' said he, 'that I should have
?0,000 at once. I could, of course, borrow so trifling a sum ten
times over from my friends, but I much prefer to make it a matter of
business and to carry out that business myself. In my position you
can readily understand that it is unwise to place one's self under
obligations.'
"'For how long, may I ask, do you want this sum?' I asked.
"'Next Monday I have a large sum due to me, and I shall then most
certainly repay what you advance, with whatever interest you think it
right to charge. But it is very essential to me that the money should
be paid at once.'
"'I should be happy to advance it without further parley from my own
private purse,' said I, 'were it not that the strain would be rather
more than it could bear. If, on the other hand, I am to do it in the
name of the firm, then in justice to my partner I must insist that,
even in your case, every businesslike precaution should be taken.'
"'I should much prefer to have it so,' said he, raising up a square,
black morocco case which he had laid beside his chair. 'You have
doubtless heard of the Beryl Coronet?'
"'One of the most precious public possessions of the empire,' said I.
"'Precisely.' He opened the case, and there, imbedded in soft,
flesh-coloured velvet, lay the magnificent piece of jewellery which
he had named. 'There are thirty-nine enormous beryls,' said he, 'and
the price of the gold chasing is incalculable. The lowest estimate
would put the worth of the coronet at double the sum which I have
asked. I am prepared to leave it with you as my security.'
"I took the precious case into my hands and looked in some perplexity
from it to my illustrious client.
"'You doubt its value?' he asked.
"'Not at all. I only doubt--'
"'The propriety of my leaving it. You may set your mind at rest about
that. I should not dream of doing so were it not absolutely certain
that I should be able in four days to reclaim it. It is a pure matter
of form. Is the security sufficient?'
"'Ample.'
"'You understand, Mr. Holder, that I am giving you a strong proof of
the confidence which I have in you, founded upon all that I have
heard of you. I rely upon you not only to be discreet and to refrain
from all gossip upon the matter but, above all, to preserve this
coronet with every possible precaution because I need not say that a
great public scandal would be caused if any harm were to befall it.
Any injury to it would be almost as serious as its complete loss, for
there are no beryls in the world to match these, and it would be
impossible to replace them. I leave it with you, however, with every
confidence, and I shall call for it in person on Monday morning.'
"Seeing that my client was anxious to leave, I said no more but,
calling for my cashier, I ordered him to pay over fifty ?000 notes.
When I was alone once more, however, with the precious case lying
upon the table in front of me, I could not but think with some
misgivings of the immense responsibility which it entailed upon me.
There could be no doubt that, as it was a national possession, a
horrible scandal would ensue if any misfortune should occur to it. I
already regretted having ever consented to take charge of it.
However, it was too late to alter the matter now, so I locked it up
in my private safe and turned once more to my work.
"When evening came I felt that it would be an imprudence to leave so
precious a thing in the office behind me. Bankers' safes had been
forced before now, and why should not mine be? If so, how terrible
would be the position in which I should find myself! I determined,
therefore, that for the next few days I would always carry the case
backward and forward with me, so that it might never be really out of
my reach. With this intention, I called a cab and drove out to my
house at Streatham, carrying the jewel with me. I did not breathe
freely until I had taken it upstairs and locked it in the bureau of
my dressing-room.
"And now a word as to my household, Mr. Holmes, for I wish you to
thoroughly understand the situation. My groom and my page sleep out
of the house, and may be set aside altogether. I have three
maid-servants who have been with me a number of years and whose
absolute reliability is quite above suspicion. Another, Lucy Parr,
the second waiting-maid, has only been in my service a few months.
She came with an excellent character, however, and has always given
me satisfaction. She is a very pretty girl and has attracted admirers
who have occasionally hung about the place. That is the only drawback
which we have found to her, but we believe her to be a thoroughly
good girl in every way.
"So much for the servants. My family itself is so small that it will
not take me long to describe it. I am a widower and have an only son,
Arthur. He has been a disappointment to me, Mr. Holmes--a grievous
disappointment. I have no doubt that I am myself to blame. People
tell me that I have spoiled him. Very likely I have. When my dear
wife died I felt that he was all I had to love. I could not bear to
see the smile fade even for a moment from his face. I have never
denied him a wish. Perhaps it would have been better for both of us
had I been sterner, but I meant it for the best.
"It was naturally my intention that he should succeed me in my
business, but he was not of a business turn. He was wild, wayward,
and, to speak the truth, I could not trust him in the handling of
large sums of money. When he was young he became a member of an
aristocratic club, and there, having charming manners, he was soon
the intimate of a number of men with long purses and expensive
habits. He learned to play heavily at cards and to squander money on
the turf, until he had again and again to come to me and implore me
to give him an advance upon his allowance, that he might settle his
debts of honour. He tried more than once to break away from the
dangerous company which he was keeping, but each time the influence
of his friend, Sir George Burnwell, was enough to draw him back
again.
"And, indeed, I could not wonder that such a man as Sir George
Burnwell should gain an influence over him, for he has frequently
brought him to my house, and I have found myself that I could hardly
resist the fascination of his manner. He is older than Arthur, a man
of the world to his finger-tips, one who had been everywhere, seen
everything, a brilliant talker, and a man of great personal beauty.
Yet when I think of him in cold blood, far away from the glamour of
his presence, I am convinced from his cynical speech and the look
which I have caught in his eyes that he is one who should be deeply
distrusted. So I think, and so, too, thinks my little Mary, who has a
woman's quick insight into character.
"And now there is only she to be described. She is my niece; but when
my brother died five years ago and left her alone in the world I
adopted her, and have looked upon her ever since as my daughter. She
is a sunbeam in my house--sweet, loving, beautiful, a wonderful
manager and housekeeper, yet as tender and quiet and gentle as a
woman could be. She is my right hand. I do not know what I could do
without her. In only one matter has she ever gone against my wishes.
Twice my boy has asked her to marry him, for he loves her devotedly,
but each time she has refused him. I think that if anyone could have
drawn him into the right path it would have been she, and that his
marriage might have changed his whole life; but now, alas! it is too
late--forever too late!
"Now, Mr. Holmes, you know the people who live under my roof, and I
shall continue with my miserable story.
"When we were taking coffee in the drawing-room that night after
dinner, I told Arthur and Mary my experience, and of the precious
treasure which we had under our roof, suppressing only the name of my
client. Lucy Parr, who had brought in the coffee, had, I am sure,
left the room; but I cannot swear that the door was closed. Mary and
Arthur were much interested and wished to see the famous coronet, but
I thought it better not to disturb it.
"'Where have you put it?' asked Arthur.
"'In my own bureau.'
"'Well, I hope to goodness the house won't be burgled during the
night.' said he.
"'It is locked up,' I answered.
"'Oh, any old key will fit that bureau. When I was a youngster I have
opened it myself with the key of the box-room cupboard.'
"He often had a wild way of talking, so that I thought little of what
he said. He followed me to my room, however, that night with a very
grave face.
"'Look here, dad,' said he with his eyes cast down, 'can you let me
have ?00?'
"'No, I cannot!' I answered sharply. 'I have been far too generous
with you in money matters.'
"'You have been very kind,' said he, 'but I must have this money, or
else I can never show my face inside the club again.'
"'And a very good thing, too!' I cried.
"'Yes, but you would not have me leave it a dishonoured man,' said
he. 'I could not bear the disgrace. I must raise the money in some
way, and if you will not let me have it, then I must try other
means.'
"I was very angry, for this was the third demand during the month.
'You shall not have a farthing from me,' I cried, on which he bowed
and left the room without another word.
"When he was gone I unlocked my bureau, made sure that my treasure
was safe, and locked it again. Then I started to go round the house
to see that all was secure--a duty which I usually leave to Mary but
which I thought it well to perform myself that night. As I came down
the stairs I saw Mary herself at the side window of the hall, which
she closed and fastened as I approached.
"'Tell me, dad,' said she, looking, I thought, a little disturbed,
'did you give Lucy, the maid, leave to go out to-night?'
"'Certainly not.'
"'She came in just now by the back door. I have no doubt that she has
only been to the side gate to see someone, but I think that it is
hardly safe and should be stopped.'
"'You must speak to her in the morning, or I will if you prefer it.
