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Chapter 4 The Accountant At The Bank
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May Nuttall expressed her perplexity in a letter:


DEAR FRANK: Such a remarkable1 thing happened last night. I was in Silvers Rents about eleven o'clock, and had just finished seeing the last of my patients, when a man passed me and entered one of the houses--it was, I thought at the time, either the last or the last but one on the left. I now know that it was the last but one. There is no doubt at all in my mind that it was Mr. Cole, for not only did I see his face, but he carried the snakewood cane2 which he always affects.

I must confess I was curious enough to make inquiries3, and I found that he is a frequent visitor here, but nobody quite knows why he comes. The last house is occupied by two families, very uninteresting people, and the last house but one is empty save for a room which is apparently4 the one Mr. Cole uses. None of the people in the Rents know Mr. Cole or have ever seen him. Apparently the downstairs room in the empty house is kept locked, and a woman who lives opposite told my informant, Thompson, whom you will remember as the man who always goes with me when I am slumming, that the gentleman sometimes comes, uses this room, and that he always sweeps it out for himself. It cannot be very well furnished, and apparently he never stays the night there.

Isn't it very extraordinary? Please tell me what you make of it--


Frank Merrill put down the letter and slowly filled his pipe. He was puzzled, and found no solution either then or on his way to the office.

He was the accountant of the Piccadilly branch of the London and Western Counties Bank, and had very little time to give to outside problems. But the thought of Cole and his curious appearance in a London slum under circumstances which, to say the least, were mysterious came between him and his work more than once.

He was entering up some transactions when he was sent for by the manager. Frank Merrill, though he did not occupy a particularly imposing5 post in the bank, held nevertheless a very extraordinary position and one which insured for him more consideration than the average official receives at the hands of his superiors. His uncle was financially interested in the bank, and it was generally believed that Frank had been sent as much to watch his relative's interests as to prepare himself for the handling of the great fortune which John Minute would some day leave to his heir.

The manager nodded cheerily as Frank came in and closed the door behind him.

"Good morning, Mr. Merrill," said the chief. "I want to see you about Mr. Holland's account. You told me he was in the other day."

Frank nodded.

"He came in in the lunch hour."

"I wish I had been here," said the manager thoughtfully. "I would like to see this gentleman."

"Is there anything wrong with his account?"

"Oh, no," said the manager with a smile; "he has a very good balance. In fact, too large a balance for a floating account. I wish you would see him and persuade him to put some of this money on deposit. The head office does not like big floating balances which may be withdrawn6 at any moment and which necessitates7 the keeping here of a larger quantity of cash than I care to hold.

"Personally," he went on, "I do not like our method of doing business at all. Our head office being in Plymouth, it is necessary, by the peculiar8 rules of the bank, that the floating balances should be so covered, and I confess that your uncle is as great a sinner as any. Look at this?"

He pushed a check across the table.

"Here's a bearer check for sixty thousand pounds which has just come in. It is to pay the remainder of the purchase price due to Consolidated9 Mines. Why they cannot accept the ordinary crossed check Heavens knows!"

Frank looked at the sprawling10 signature and smiled.

"You see, uncle's got a reputation to keep up," he said good-humoredly; "one is not called 'Ready-Money Minute' for nothing."

The manager made a little grimace11.

"That sort of thing may be necessary in South Africa," he said, "but here in the very heart of the money world cash payments are a form of lunacy. I do not want you to repeat this to your relative."

"I am hardly likely to do that," said Frank, "though I do think you ought to allow something for uncle's peculiar experiences in the early days of his career."

"Oh, I make every allowance," said the other; "only it is very inconvenient12, but it was not to discuss your uncle's shortcomings that I brought you here."

He pulled out a pass book from a heap in front of him.

"'Mr. Rex Holland,'" he read. "He opened his account while I was on my holiday, you remember."

"I remember very well," said Frank, "and he opened it through me."

"What sort of man is he?" asked the manager.

"I am afraid I am no good at descriptions," replied Frank, "but I should describe him as a typical young man about town, not very brainy, very few ideas outside of his own immediate13 world--which begins at Hyde Park Corner--"

"And ends at the Hippodrome," interrupted the manager.

"Possibly," said Frank. "He seemed a very sound, capable man in spite of a certain languid assumption of ignorance as to financial matters, and he came very well recommended. What would you like me to do?"

The manager pushed himself back in his chair, thrust his hands in his trousers' pockets, and looked at the ceiling for inspiration.

"Suppose you go along and see him this afternoon and ask him as a favor to put some of his money on deposit. We will pay the usual interest and all that sort of thing. You can explain that he can get the money back whenever he wants it by giving us thirty days' notice. Will you do this for me?"

"Surely," said Frank heartily14. "I will see him this afternoon. What is his address? I have forgotten."

"Albemarle Chambers15, Knightsbridge," replied the manager. "He may be in town."

"And what is his balance?" asked Frank.

"Thirty-seven thousand pounds," said the other, "and as he is not buying Consolidated Mines I do not see what need he has for the money, the more so since we can always give him an overdraft16 on the security of his deposit. Suggest to him that he puts thirty thousand pounds with us and leaves seven thousand pounds floating. By the way, your uncle is sending his secretary here this afternoon to go into the question of his own account."

Frank looked up.

"Cole," he said quickly, "is he coming here? By Jove!"

He stood by the manager's desk, and a look of amusement came into his eyes.

"I want to ask Cole something," he said slowly. "What time do you expect him?"

"About four o'clock."

"After the bank closes?"

The manager nodded.

"Uncle has a weird17 way of doing business," said Frank, after a pause. "I suppose that means that I shall have to stay on?"

"It isn't necessary," said Mr. Brandon. "You see Mr. Cole is one of our directors."

Frank checked an exclamation18 of surprise.

"How long has this been?" he asked.

"Since last Monday. I thought I told you. At any rate, if you have not been told by your uncle, you had better pretend to know nothing about it," said Brandon hastily.

"You may be sure I shall keep my counsel," said Frank, a little amused by the other's anxiety. "You have been very good to me, Mr. Brandon, and I appreciate your kindness."

"Mr. Cole is a nominee19 of your uncle, of course," Brandon went on, with a little nod of acknowledgment for the other's thanks. "Your uncle makes a point of never sitting on boards if he can help it, and has never been represented except by his solicitor20 since he acquired so large an interest in the bank. As a matter of fact, I think Mr. Cole is coming here as much to examine the affairs of the branch as to look after your uncle's account. Cole is a very first-class man of business, isn't he?"

Frank's answer was a grim smile.

"Excellent!" he said dryly. "He has the scientific mind grafted21 to a singular business capacity."

"You don't like him?"

"I have no particular reason for not liking22 him," said the other. "Possibly I am being constitutionally uncharitable. He is not the type of man I greatly care for. He possesses all the virtues23, according to uncle, spends his days and nights almost slavishly working for his employer. Oh, yes, I know what you are going to say; that is a very fine quality in a young man, and honestly I agree with you, only it doesn't seem natural. I don't suppose anybody works as hard as I or takes as much interest in his work, yet I have no particular anxiety to carry it on after business hours."

The manager rose.

"You are not even an idle apprentice," he said good-humoredly. "You will see Mr. Rex Holland for me?"

"Certainly," said Frank, and went back to his desk deep in thought.

It was four o'clock to the minute when Jasper Cole passed through the one open door of the bank at which the porter stood ready to close. He was well, but neatly24, dressed, and had hooked to his wrist a thin snakewood cane attached to a crook25 handle.

He saw Frank across the counter and smiled, displaying two rows of even, white teeth.

"Hello, Jasper!" said Frank easily, extending his hand. "How is uncle?"

"He is very well indeed," replied the other. "Of course he is very worried about things, but then I think he is always worried about something or other."

"Anything in particular?" asked Frank interestedly.

Jasper shrugged26 his shoulders.

"You know him much better than I; you were with him longer. He is getting so horribly suspicious of people, and sees a spy or an enemy in every strange face. That is usually a bad sign, but I think he has been a little overwrought lately."

He spoke27 easily; his voice was low and modulated28 with the faintest suggestion of a drawl, which was especially irritating to Frank, who secretly despised the Oxford29 product, though he admitted--since he was a very well-balanced and on the whole good-humored young man--his dislike was unreasonable30.

"I hear you have come to audit31 the accounts," said Frank, leaning on the counter and opening his gold cigarette case.

"Hardly that," drawled Jasper.

He reached out his hand and selected a cigarette.

"I just want to sort out a few things. By the way, your uncle had a letter from a friend of yours."

"Mine?"

"A Rex Holland," said the other.

"He is hardly a friend of mine; in fact, he is rather an infernal nuisance," said Frank. "I went down to Knightsbridge to see him to-day, and he was out. What has Mr. Holland to say?"

"Oh, he is interested in some sort of charity, and he is starting a guinea collection. I forget what the charity was."

"Why do you call him a friend of mine?" asked Frank, eying the other keenly.

Jasper Cole was halfway32 to the manager's office and turned.

"A little joke," he said. "I had heard you mention the gentleman. I have no other reason for supposing he was a friend of yours."

"Oh, by the way, Cole," said Frank suddenly, "were you in town last night?"

Jasper Cole shot a swift glance at him.

"Why?"

"Were you near Victoria Docks?"

"What a question to ask!" said the other, with his inscrutable smile, and, turning abruptly33, walked in to the waiting Mr. Brandon.

Frank finished work at five-thirty that night and left Jasper Cole and a junior clerk to the congenial task of checking the securities. At nine o'clock the clerk went home, leaving Jasper alone in the bank. Mr. Brandon, the manager, was a bachelor and occupied a flat above the bank premises34. From time to time he strode in, his big pipe in the corner of his mouth. The last of these occasions was when Jasper Cole had replaced the last ledger35 in Mr. Minute's private safe.

"Half past eleven," said the manager disapprovingly36, "and you have had no dinner."

"I can afford to miss a dinner," laughed the other.

"Lucky man," said the manager.

Jasper Cole passed out into the street and called a passing taxi to the curb37.

"Charing38 Cross Station," he said.

He dismissed the cab in the station courtyard, and after a while walked back to the Strand39 and hailed another.

"Victoria Dock Road," he said in a low voice.


点击收听单词发音收听单词发音  

1 remarkable 8Vbx6     
adj.显著的,异常的,非凡的,值得注意的
参考例句:
  • She has made remarkable headway in her writing skills.她在写作技巧方面有了长足进步。
  • These cars are remarkable for the quietness of their engines.这些汽车因发动机没有噪音而不同凡响。
2 cane RsNzT     
n.手杖,细长的茎,藤条;v.以杖击,以藤编制的
参考例句:
  • This sugar cane is quite a sweet and juicy.这甘蔗既甜又多汁。
  • English schoolmasters used to cane the boys as a punishment.英国小学老师过去常用教鞭打男学生作为惩罚。
3 inquiries 86a54c7f2b27c02acf9fcb16a31c4b57     
n.调查( inquiry的名词复数 );疑问;探究;打听
参考例句:
  • He was released on bail pending further inquiries. 他获得保释,等候进一步调查。
  • I have failed to reach them by postal inquiries. 我未能通过邮政查询与他们取得联系。 来自《现代汉英综合大词典》
4 apparently tMmyQ     
adv.显然地;表面上,似乎
参考例句:
  • An apparently blind alley leads suddenly into an open space.山穷水尽,豁然开朗。
  • He was apparently much surprised at the news.他对那个消息显然感到十分惊异。
5 imposing 8q9zcB     
adj.使人难忘的,壮丽的,堂皇的,雄伟的
参考例句:
  • The fortress is an imposing building.这座城堡是一座宏伟的建筑。
  • He has lost his imposing appearance.他已失去堂堂仪表。
6 withdrawn eeczDJ     
vt.收回;使退出;vi.撤退,退出
参考例句:
  • Our force has been withdrawn from the danger area.我们的军队已从危险地区撤出。
  • All foreign troops should be withdrawn to their own countries.一切外国军队都应撤回本国去。
7 necessitates 4a421c24d0717e67b81bbcf227596ade     
使…成为必要,需要( necessitate的第三人称单数 )
参考例句:
  • The increase in population necessitates a greater food supply. 人口的增加需要更多食物供应。
  • Your proposal necessitates borrowing money. 你的提议使借款成为必要。
8 peculiar cinyo     
adj.古怪的,异常的;特殊的,特有的
参考例句:
  • He walks in a peculiar fashion.他走路的样子很奇特。
  • He looked at me with a very peculiar expression.他用一种很奇怪的表情看着我。
9 consolidated dv3zqt     
a.联合的
参考例句:
  • With this new movie he has consolidated his position as the country's leading director. 他新执导的影片巩固了他作为全国最佳导演的地位。
  • Those two banks have consolidated and formed a single large bank. 那两家银行已合并成一家大银行。
10 sprawling 3ff3e560ffc2f12f222ef624d5807902     
adj.蔓生的,不规则地伸展的v.伸开四肢坐[躺]( sprawl的现在分词 );蔓延;杂乱无序地拓展;四肢伸展坐着(或躺着)
参考例句:
  • He was sprawling in an armchair in front of the TV. 他伸开手脚坐在电视机前的一张扶手椅上。
  • a modern sprawling town 一座杂乱无序拓展的现代城镇
11 grimace XQVza     
v.做鬼脸,面部歪扭
参考例句:
  • The boy stole a look at his father with grimace.那男孩扮着鬼脸偷看了他父亲一眼。
  • Thomas made a grimace after he had tasted the wine.托马斯尝了那葡萄酒后做了个鬼脸。
12 inconvenient m4hy5     
adj.不方便的,令人感到麻烦的
参考例句:
  • You have come at a very inconvenient time.你来得最不适时。
  • Will it be inconvenient for him to attend that meeting?他参加那次会议会不方便吗?
13 immediate aapxh     
adj.立即的;直接的,最接近的;紧靠的
参考例句:
  • His immediate neighbours felt it their duty to call.他的近邻认为他们有责任去拜访。
  • We declared ourselves for the immediate convocation of the meeting.我们主张立即召开这个会议。
14 heartily Ld3xp     
adv.衷心地,诚恳地,十分,很
参考例句:
  • He ate heartily and went out to look for his horse.他痛快地吃了一顿,就出去找他的马。
  • The host seized my hand and shook it heartily.主人抓住我的手,热情地和我握手。
15 chambers c053984cd45eab1984d2c4776373c4fe     
n.房间( chamber的名词复数 );(议会的)议院;卧室;会议厅
参考例句:
  • The body will be removed into one of the cold storage chambers. 尸体将被移到一个冷冻间里。 来自《简明英汉词典》
  • Mr Chambers's readable book concentrates on the middle passage: the time Ransome spent in Russia. Chambers先生的这本值得一看的书重点在中间:Ransome在俄国的那几年。 来自互联网
16 overdraft 3m3z5T     
n.透支,透支额
参考例句:
  • Her bank warned that unless she repaid the overdraft she could face legal action.银行警告她如果不偿还透支钱款,她将面临诉讼。
  • An overdraft results when a note discounted at a bank is not met when due.银行贴现的支票到期而未能支付就成为透支。
17 weird bghw8     
adj.古怪的,离奇的;怪诞的,神秘而可怕的
参考例句:
  • From his weird behaviour,he seems a bit of an oddity.从他不寻常的行为看来,他好像有点怪。
  • His weird clothes really gas me.他的怪衣裳简直笑死人。
18 exclamation onBxZ     
n.感叹号,惊呼,惊叹词
参考例句:
  • He could not restrain an exclamation of approval.他禁不住喝一声采。
  • The author used three exclamation marks at the end of the last sentence to wake up the readers.作者在文章的最后一句连用了三个惊叹号,以引起读者的注意。
19 nominee FHLxv     
n.被提名者;被任命者;被推荐者
参考例句:
  • His nominee for vice president was elected only after a second ballot.他提名的副总统在两轮投票后才当选。
  • Mr.Francisco is standing as the official nominee for the post of District Secretary.弗朗西斯科先生是行政书记职位的正式提名人。
20 solicitor vFBzb     
n.初级律师,事务律师
参考例句:
  • The solicitor's advice gave me food for thought.律师的指点值得我深思。
  • The solicitor moved for an adjournment of the case.律师请求将这个案件的诉讼延期。
21 grafted adfa8973f8de58d9bd9c5b67221a3cfe     
移植( graft的过去式和过去分词 ); 嫁接; 使(思想、制度等)成为(…的一部份); 植根
参考例句:
  • No art can be grafted with success on another art. 没有哪种艺术能成功地嫁接到另一种艺术上。
  • Apples are easily grafted. 苹果树很容易嫁接。
22 liking mpXzQ5     
n.爱好;嗜好;喜欢
参考例句:
  • The word palate also means taste or liking.Palate这个词也有“口味”或“嗜好”的意思。
  • I must admit I have no liking for exaggeration.我必须承认我不喜欢夸大其词。
23 virtues cd5228c842b227ac02d36dd986c5cd53     
美德( virtue的名词复数 ); 德行; 优点; 长处
参考例句:
  • Doctors often extol the virtues of eating less fat. 医生常常宣扬少吃脂肪的好处。
  • She delivered a homily on the virtues of family life. 她进行了一场家庭生活美德方面的说教。
24 neatly ynZzBp     
adv.整洁地,干净地,灵巧地,熟练地
参考例句:
  • Sailors know how to wind up a long rope neatly.水手们知道怎样把一条大绳利落地缠好。
  • The child's dress is neatly gathered at the neck.那孩子的衣服在领口处打着整齐的皱褶。
25 crook NnuyV     
v.使弯曲;n.小偷,骗子,贼;弯曲(处)
参考例句:
  • He demanded an apology from me for calling him a crook.我骂他骗子,他要我向他认错。
  • She was cradling a small parcel in the crook of her elbow.她用手臂挎着一个小包裹。
26 shrugged 497904474a48f991a3d1961b0476ebce     
vt.耸肩(shrug的过去式与过去分词形式)
参考例句:
  • Sam shrugged and said nothing. 萨姆耸耸肩膀,什么也没说。
  • She shrugged, feigning nonchalance. 她耸耸肩,装出一副无所谓的样子。 来自《简明英汉词典》
27 spoke XryyC     
n.(车轮的)辐条;轮辐;破坏某人的计划;阻挠某人的行动 v.讲,谈(speak的过去式);说;演说;从某种观点来说
参考例句:
  • They sourced the spoke nuts from our company.他们的轮辐螺帽是从我们公司获得的。
  • The spokes of a wheel are the bars that connect the outer ring to the centre.辐条是轮子上连接外圈与中心的条棒。
28 modulated b5bfb3c5c3ebc18c62afa9380ab74ba5     
已调整[制]的,被调的
参考例句:
  • He carefully modulated his voice. 他小心地压低了声音。
  • He had a plump face, lemur-like eyes, a quiet, subtle, modulated voice. 他有一张胖胖的脸,狐猴般的眼睛,以及安详、微妙和富于抑扬顿挫的嗓音。
29 Oxford Wmmz0a     
n.牛津(英国城市)
参考例句:
  • At present he has become a Professor of Chemistry at Oxford.他现在已是牛津大学的化学教授了。
  • This is where the road to Oxford joins the road to London.这是去牛津的路与去伦敦的路的汇合处。
30 unreasonable tjLwm     
adj.不讲道理的,不合情理的,过度的
参考例句:
  • I know that they made the most unreasonable demands on you.我知道他们对你提出了最不合理的要求。
  • They spend an unreasonable amount of money on clothes.他们花在衣服上的钱太多了。
31 audit wuGzw     
v.审计;查帐;核对;旁听
参考例句:
  • Each year they audit our accounts and certify them as being true and fair.他们每年对我们进行账务审核,以确保其真实无误。
  • As usual,the yearly audit will take place in December.跟往常一样,年度审计将在十二月份进行。
32 halfway Xrvzdq     
adj.中途的,不彻底的,部分的;adv.半路地,在中途,在半途
参考例句:
  • We had got only halfway when it began to get dark.走到半路,天就黑了。
  • In study the worst danger is give up halfway.在学习上,最忌讳的是有始无终。
33 abruptly iINyJ     
adv.突然地,出其不意地
参考例句:
  • He gestured abruptly for Virginia to get in the car.他粗鲁地示意弗吉尼亚上车。
  • I was abruptly notified that a half-hour speech was expected of me.我突然被通知要讲半个小时的话。
34 premises 6l1zWN     
n.建筑物,房屋
参考例句:
  • According to the rules,no alcohol can be consumed on the premises.按照规定,场内不准饮酒。
  • All repairs are done on the premises and not put out.全部修缮都在家里进行,不用送到外面去做。
35 ledger 014xk     
n.总帐,分类帐;帐簿
参考例句:
  • The young man bowed his head and bent over his ledger again.那个年轻人点头应诺,然后又埋头写起分类帐。
  • She is a real accountant who even keeps a detailed household ledger.她不愧是搞财务的,家庭分类账记得清楚详细。
36 disapprovingly 6500b8d388ebb4d1b87ab0bd19005179     
adv.不以为然地,不赞成地,非难地
参考例句:
  • When I suggested a drink, she coughed disapprovingly. 我提议喝一杯时,她咳了一下表示反对。 来自《简明英汉词典》
  • He shook his head disapprovingly. 他摇了摇头,表示不赞成。 来自《简明英汉词典》
37 curb LmRyy     
n.场外证券市场,场外交易;vt.制止,抑制
参考例句:
  • I could not curb my anger.我按捺不住我的愤怒。
  • You must curb your daughter when you are in church.你在教堂时必须管住你的女儿。
38 charing 188ca597d1779221481bda676c00a9be     
n.炭化v.把…烧成炭,把…烧焦( char的现在分词 );烧成炭,烧焦;做杂役女佣
参考例句:
  • We married in the chapel of Charing Cross Hospital in London. 我们是在伦敦查令十字医院的小教堂里结的婚。 来自辞典例句
  • No additional charge for children under12 charing room with parents. ☆十二岁以下小童与父母同房不另收费。 来自互联网
39 strand 7GAzH     
vt.使(船)搁浅,使(某人)困于(某地)
参考例句:
  • She tucked a loose strand of hair behind her ears.她把一缕散发夹到了耳后。
  • The climbers had been stranded by a storm.登山者被暴风雨困住了。


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