clamorously offered their services to the lady who had come among them.
   When the individual Israelite to whom she applied saw the pearls, he
   appeared to take leave of his senses. He screamed; he clapped his hands;
   he called upon his wife, his children, his sisters, his lodgers, to come
   and feast their eyes on such a necklace as had never been seen since
   Solomon received the Queen of Sheba.
   The first excitement having worn itself out, a perfect volley of
   questions followed. What was the lady's name? Where did she live? How had
   she got the necklace? Had it been given to her? and, if so, who had given
   it? Where had it been made? Why had she brought it to the Judengasse? Did
   she want to sell it? or to borrow money on it? Aha! To borrow money on
   it. Very good, very good indeed; but--and then the detestable invitation
   to produce the reference made itself heard once more.
   Madame Fontaine's answer was well conceived. "I will pay you good
   interest, in place of a reference," she said. Upon this, the Jewish
   excitability, vibrating between the desire of gain and the terror of
   consequences, assumed a new form. Some of them groaned; some of them
   twisted their fingers frantically in their hair; some of them called on
   the Deity worshipped by their fathers to bear witness how they had
   suffered, by dispensing with references in other cases of precious
   deposits; one supremely aged and dirty Jew actually suggested placing an
   embargo on the lady and her necklace, and sending information to the city
   authorities at the Town Hall. In the case of a timid woman, this sage's
   advice might actually have been followed. Madame Fontaine preserved her
   presence of mind, and left the Judengasse as freely as she had entered
   it. "I can borrow the money elsewhere," she said haughtily at parting.
   "Yes," cried a chorus of voices, answering, "you can borrow of a receiver
   of stolen goods."
   It was only too true! The extraordinary value of the pearls demanded, on
   that account, extraordinary precautions on the part of moneylenders of
   every degree. Madame Fontaine put back the necklace in the drawer of her
   toilette-table. The very splendor of Minna's bridal gift made it useless
   as a means of privately raising money among strangers.
   And yet, the money must be found--at any risk, under any circumstances,
   no matter how degrading or how dangerous they might be.
   With that desperate resolution, she went to her bed. Hour after hour she
   heard the clock strike. The faint cold light of the new day found her
   still waking and thinking, and still unprepared with a safe plan for
   meeting the demand on her, when the note became due. As to resources of
   her own, the value of the few jewels and dresses that she possessed did
   not represent half the amount of her debt.
   It was a busy day at the office. The work went on until far into the
   evening.
   Even when the household assembled at the supper-table, there was an
   interruption. A messenger called with a pressing letter, which made it
   immediately necessary to refer to the past correspondence of the firm.
   Mr. Keller rose from the table. "The Abstracts will rake up less time to
   examine," he said to Mrs. Wagner; "you have them in your desk, I think?"
   She at once turned to Jack, and ordered him to produce the key. He took
   it from his bag, under the watchful eyes of Madame Fontaine, observing
   him from the opposite side of the table. "I should have preferred opening
   the desk myself," Jack remarked when Mr. Keller had left the room; "but I
   suppose I must give way to the master. Besides, he hates me."
   The widow was quite startled by this strong assertion. "How can you say
   so?" she exclaimed. "We all like you, Jack. Come and have a little wine,
   out of my glass."
   Jack refused this proposal. "I don't want wine," he said; "I am sleepy
   and cold--I want to go to bed."
   Madame Fontaine was too hospitably inclined to take No for an answer.
   "Only a little drop," she pleaded. "You look so cold."
   "Surely you forget what I told you?" Mrs. Wagner interposed. "Wine first
   excites, and then stupefies him. The last time I tried it, he was as dull
   and heavy as if I had given him laudanum. I thought I mentioned it to
   you." She turned to Jack. "You look sadly tired, my poor little man. Go
   to bed at once."
   "Without the key?" cried Jack indignantly. "I hope I know my duty better
   than that."
   Mr. Keller returned, perfectly satisfied with the result of his
   investigation. "I knew it!" he said. "The mistake is on the side of our
   clients; I have sent them the proof of it."
   He handed back the key to Mrs. Wagner. She at once transferred it to
   Jack. Mr. Keller shook his head in obstinate disapproval. "Would you run
   such a risk as that?" he said to Madame Fontaine, speaking in French. "I
   should be afraid," she replied in the same language. Jack secured the key
   in his bag, kissed his mistress's hand, and approached the door on his
   way to bed. "Won't you wish me good-night?" said the amiable widow. "I
   didn't know whether German or English would do for you," Jack answered;
   "and I can't speak your unknown tongue.
   He made one of his fantastic bows, and left the room. "Does he understand
   French?" Madame Fontaine asked. "No," said Mrs. Wagner; "he only
   understood that you and Mr. Keller had something to conceal from him."
   In due course of time the little party at the supper-table rose, and
   retired to their rooms. The first part of the night passed as tranquilly
   as usual. But, between one and two in the morning, Mrs. Wagner was
   alarmed by a violent beating against her door, and a shrill screaming in
   Jack's voice. "Let me in! I want a light--I've lost the keys!"
   She called out to him to be quiet, while she put on her dressing-gown,
   and struck a light. They were fortunately on the side of the house
   occupied by the offices, the other inhabited bedchambers being far enough
   off to be approached by a different staircase. Still, in the silence of
   the night, Jack's reiterated cries of terror and beatings at the door
   might possibly reach the ears of a light sleeper. She pulled him into the
   room and closed the door again, with an impetuosity that utterly
   confounded him. "Sit down there, and compose yourself!" she said sternly.
   "I won't give you the light until you are perfectly quiet. You disgrace
   _me_ if you disturb the house."
   Between cold and terror, Jack shuddered from head to foot. "May I
   whisper?" he asked, with a look of piteous submission.
   Mrs. Wagner pointed to the last living embers in the fireplace. She knew
   by experience the tranquilizing influence of giving him something to do.
   "Rake the fire together," she said; "and warm yourself first."
   He obeyed, and then laid himself down in his dog-like way on the rug. A
   quarter of an hour, at least, passed before his mistress considered him
   to be in a fit state to tell his story. There was little or nothing to
   relate. He had put his bag under his pillow as usual; and (after a long
   sleep) he had woke with a horrid fear that something had happened to the
   keys. He had felt in vain 
					     					 			 for them under the pillow, and all over the
   bed, and all over the floor. "After that," he said, "the horrors got hold
   of me; and I am afraid I went actually mad, for a little while. I'm all
   right now, if you please. See! I'm as quiet as a bird with its head under
   its wing."
   Mrs. Wagner took the light, and led the way to his little room, close by
   her own bedchamber. She lifted the pillow--and there lay the leather bag,
   exactly where he had placed it when he went to bed.
   Jack's face, when this discovery revealed itself, would have pleaded for
   mercy with a far less generous woman than Mrs. Wagner. She took his hand.
   "Get into bed again," she said kindly; "and the next time you dream, try
   not to make a noise about it."
   No! Jack refused to get into bed again, until he had been heard in his
   own defense. He dropped on his knees, and held up his clasped hands, as
   if he was praying.
   "When you first taught me to say my prayers," he answered, "you said God
   would hear me. As God hears me now Mistress, I was wide awake when I put
   my hand under the pillow--and the bag was not there. Do you believe me?"
   Mrs. Wagner was strongly impressed by the simple fervor of this
   declaration. It was no mere pretense, when she answered that she did
   believe him. At her suggestion, the bag was unstrapped and examined. Not
   only the unimportant keys (with another one added to their number) but
   the smaller key which opened her desk were found safe inside. "We will
   talk about it to-morrow," she said. Having wished him good-night, she
   paused in the act of opening the door, and looked at the lock. There was
   no key in it, but there was another protection in the shape of a bolt
   underneath. "Did you bolt your door when you went to bed?" she asked.
   "No."
   The obvious suspicion, suggested by this negative answer, crossed her
   mind.
   "What has become of the key of your door?" she inquired next.
   Jack hung his head. "I put it along with the other keys," he confessed,
   "to make the bag look bigger."
   Alone again in her own room, Mrs. Wagner stood by the reanimated fire,
   thinking.
   While Jack was asleep, any person, with a soft step and a delicate hand,
   might have approached his bedside, when the house was quiet for the
   night, and have taken his bag. And, again, any person within hearing of
   the alarm that he had raised, some hours afterwards, might have put the
   bag back, while he was recovering himself in Mrs. Wagner's room. Who
   could have been near enough to hear the alarm? Somebody in the empty
   bedrooms above? Or somebody in the solitary offices below? If a theft had
   really been committed, the one likely object of it would be the key of
   the desk. This pointed to the probability that the alarm had reached the
   ears of the thief in the offices. Was there any person in the house, from
   the honest servants upwards, whom it would be reasonably possible to
   suspect of theft? Mrs. Wagner returned to her bed. She was not a woman to
   be daunted by trifles--but on this occasion her courage failed her when
   she was confronted by her own question.
   CHAPTER X
   The office hours, in the winter-time, began at nine o'clock. From the
   head-clerk to the messenger, not one of the persons employed slept in the
   house: it was Mr. Keller's wish that they should all be absolutely free
   to do what they liked with their leisure time in the evening: "I know
   that I can trust them, from the oldest to the youngest man in my
   service," he used to say; "and I like to show it."
   Under these circumstances, Mrs. Wagner had only to rise earlier than
   usual, to be sure of having the whole range of the offices entirely to
   herself. At eight o'clock, with Jack in attendance, she was seated at her
   desk, carefully examining the different objects that it contained.
   Nothing was missing; nothing had been moved out of its customary place.
   No money was kept in the desk. But her valuable watch, which had stopped
   on the previous day, had been put there, to remind her that it must be
   sent to be cleaned. The watch, like everything else, was found in its
   place. If some person had really opened her desk in the night, no common
   thief had been concerned, and no common object had been in view.
   She took the key of the iron safe from its pigeon-hole, and opened the
   door. Her knowledge of the contents of this repository was far from being
   accurate. The partners each possessed a key, but Mr. Keller had many more
   occasions than Mrs. Wagner for visiting the safe. And to make a
   trustworthy examination more difficult still, the mist of the early
   morning was fast turning into a dense white fog.
   Of one thing, however, Mrs. Wagner was well aware--a certain sum of
   money, in notes and securities, was always kept in this safe as a reserve
   fund. She took the tin box in which the paper money was placed close to
   the light, and counted its contents. Then, replacing it in the safe, she
   opened the private ledger next, to compare the result of her counting
   with the entry relating to the Fund.
   Being unwilling to cause surprise, perhaps to excite suspicion, by
   calling for a candle before the office hours had begun, she carried the
   ledger also to the window. There was just light enough to see the sum
   total in figures. To her infinite relief, it exactly corresponded with
   the result of her counting. She secured everything again in its proper
   place; and, after finally locking the desk, handed the key to Jack. He
   shook his head, and refused to take it. More extraordinary still, he
   placed his bag, with all the other keys in it, on the desk, and said,
   "Please keep it for me; I'm afraid to keep it myself."
   Mrs. Wagner looked at him with a first feeling of alarm, which changed
   instantly to compassion. The tears were in his eyes; his sensitive vanity
   was cruelly wounded. "My poor boy," she said gently, "what is it that
   troubles you?"
   The tears rolled down Jack's face. "I'm a wretched creature," he said;
   "I'm not fit to keep the keys, after letting a thief steal them last
   night. Take them back, Mistress--I'm quite broken-hearted. Please try me
   again, in London."
   "A thief?" Mrs. Wagner repeated. "Haven't you seen me examine everything?
   And mind, if there _had_ been any dishonest person about the house last
   night, the key of my desk is the only key that a thief would have thought
   worth stealing. I happen to be sure of that. Come! come! don't be
   down-hearted. You know I never deceive you--and I say you are quite wrong
   in suspecting that your bag was stolen last night."
   Jack solemnly lifted his hand, as his custom was in the great emergencies
   of his life. "And _I_ say," he reiterated, "there is a thief in the
   house. And you will find it out before long. When we are back in London
   again, I will be Keeper of the Keys. Never, never, never more, here!"
   It was useless to contend with him; the one wise course was to wait until
   his humor changed. Mrs. Wagner locked up his bag, and put the key of the
   desk back in her pocket. She was not very willing to own it even to
   herself--Jac 
					     					 			k's intense earnestness had a little shaken her.
   After breakfast that morning, Minna lingered at the table, instead of
   following her mother upstairs as usual. When Mr. Keller also had left the
   room, she addressed a little request of her own to Mrs. Wagner.
   "I have got a very difficult letter to write," she said, "and Fritz
   thought you might be kind enough to help me."
   "With the greatest pleasure, my dear. Does your mother know of this
   letter?"
   "Yes; it was mamma who said I ought to write it. But she is going out
   this morning; and, when I asked for a word of advice, she shook her head.
   'They will think it comes from me,' she said, 'and the whole effect of it
   will be spoilt.' It's a letter, Mrs. Wagner, announcing my marriage to
   mamma's relations here, who have behaved so badly to her--and she says
   they may do something for me, if I write to them as if I had done it all
   out of my own head. I don't know whether I make myself understood?"
   "Perfectly, Minna. Come to my writing-room, and we will see what we can
   do together."
   Mrs. Wagner led the way out. As she opened the door, Madame Fontaine
   passed her in the hall, in walking costume, with a small paper-packet in
   her hand.
   "There is a pen, Minna. Sit down by me, and write what I tell you."
   The ink-bottle had been replenished by the person charged with that duty;
   and he had filled it a little too full. In a hurry to write the first
   words dictated, Minna dipped her pen too deeply in the bottle. On
   withdrawing it she not only blotted the paper but scattered some of the
   superfluous ink over the sleeve of Mrs. Wagner's dress. "Oh, how awkward
   I am!" she exclaimed. "Excuse me for one minute. Mamma has got something
   in her dressing-case which will take out the marks directly."
   She ran upstairs, and returned with the powder which her mother had used,
   in erasing the first sentences on the label attached to the blue-glass
   bottle. Mrs. Wagner looked at the printed instructions on the little
   paper box, when the stains had been removed from her dress, with some
   curiosity. "Macula Exstinctor," she read, "or Destroyer of Stains.
   Partially dissolve the powder in a teaspoonful of water; rub it well over
   the place, and the stain will disappear, without taking out the color of
   the dress. This extraordinary specific may also be used for erasing
   written characters without in any way injuring the paper, otherwise than
   by leaving a slight shine on the surface."
   "Is this to be got in Frankfort?" asked Mrs. Wagner. "I only know
   lemon-juice as a remedy against ink-marks, when I get them on my dress or
   my fingers."
   "Keep it, dear Mrs. Wagner. I can easily buy another box for mamma where
   we got this one, at a chemist's in the Zeil. See how easily I can take
   off the blot that I dropped on the paper! Unless you look very close, you
   can hardly see the shine--and the ink has completely disappeared."
   "Thank you, my dear. But your mother might meet with some little
   accident, and might want your wonderful powder when I am out of the way.
   Take it back when we have done our letter. And we will go to the chemist
   together and buy another box in a day or two."
   On the thirtieth of December, after dinner, Mr. Keller proposed a
   toast--"Success to the adjourned wedding-day!" There was a general effort
   to be cheerful, which was not rewarded by success. Nobody knew why; but
   the fact remained that nobody was really merry.
   On the thirty-first, there was more hard work at the office. The last day
   of the old year was the day on which the balance was struck.
   Towards noon, Mr. Keller appeared in Mrs. Wagner's office, and opened the
   safe.
   "We must see about the Reserve Fund," he said; "I will count the money,