Ah! they never told him anything! Winifred's and her mother's.

"Monty!" That fellow Dartie--always that fellow Dartie! The voices had receded; and James had been left alone, with his ears standing up like a hare's, and fear creeping about his inwards.

Why did they leave him alone?
Why didn't they come and tell him?
And an awful thought, which through long years had haunted him, concreted again swiftly in his brain.

Dartie had gone bankrupt--fraudulently bankrupt, and to save Winifred and the children, he--James--would have to pay! Could he--could Soames turn him into a limited company?
No, he couldn't! There it was! With every minute before Emily came back the spectre fiercened.

Why, it might be forgery! With eyes fixed on the doubted Turner in the centre of the wall, James suffered tortures.