I waited until midnight, but there was no sign of his return, so I retired to my room. It was no uncommon thing for him to be away for days and nights on end when he was hot upon a scent, so that his lateness caused me no surprise. I do not know at what hour he came in, but when I came down to breakfast in the morning there he was with a cup of coffee in one hand and the paper in the other, as fresh and trim as possible.

“You will excuse my beginning without you, Watson,” said he, “but you remember that our client has rather an early appointment this morning.”

“Why, it is after nine now,” I answered. “I should not be surprised if that were he. I thought I heard a ring.”

It was, indeed, our friend the financier. I was shocked by the change which had come over him, for his face which was naturally of a broad and massive mould, was now pinched and fallen in, while his hair seemed to me at least a shade whiter. He entered with a weariness and lethargy which was even more painful than his violence of the morning before, and he dropped heavily into the armchair which I pushed forward for him.

“I do not know what I have done to be so severely tried,” said he. “Only two days ago I was a happy and prosperous man, without a care in the world. Now I am left to a lonely and dishonoured age. One sorrow comes close upon the heels of another. My niece, Mary, has deserted me.”

“Deserted you?”

“Yes. Her bed this morning had not been slept in, her room was empty, and a note for me lay upon the hall table. I had said to her last night, in sorrow and not in anger, that if she had married my boy all might have been well with him. Perhaps it was thoughtless of me to say so. It is to that remark that she refers in this note:

“MY DEAREST UNCLE:

“I feel that I have brought trouble upon you, and that if I had acted differently this terrible misfortune might never have occurred. I cannot, with this thought in my mind, ever again be happy under your roof, and I feel that I must leave you forever. Do not worry about my future, for that is provided for; and, above all, do not search for me, for it will be fruitless labour and an ill-service to me. In life or in death, I am ever

“Your loving

“MARY.

“What could she mean by that note, Mr. Holmes? Do you think it points to suicide?”

“No, no, nothing of the kind. It is perhaps the best possible solution. I trust, Mr. Holder, that you are nearing the end of your troubles.”

“Ha! You say so! You have heard something, Mr. Holmes; you have learned something! Where are the gems?”

“You would not think £1000 apiece an excessive sum for them?”

“I would pay ten.”

“That would be unnecessary. Three thousand will cover the matter. And there is a little reward, I fancy. Have you your check-book? Here is a pen. Better make it out for £4000.”

With a dazed face the banker made out the required check. Holmes walked over to his desk, took out a little triangular piece of gold with three gems in it, and threw it down upon the table.

With a shriek of joy our client clutched it up.

“You have it!” he gasped. “I am saved! I am saved!”

The reaction of joy was as passionate as his grief had been, and he hugged his recovered gems to his bosom.

“There is one other thing you owe, Mr. Holder,” said Sherlock Holmes rather sternly.

“Owe!” He caught up a pen. “Name the sum, and I will pay it.”

“No, the debt is not to me. You owe a very humble apology to that noble lad, your son, who has carried himself in this matter as I should be proud to see my own son do, should I ever chance to have one.”

“Then it was not Arthur who took them?”

“I told you yesterday, and I repeat to-day, that it was not.”