“Lady Frances,” he continued, “is the sole survivor of the direct family of the late Earl of Rufton. The estates went, as you may remember, in the male line. She was left with limited means, but with some very remarkable old Spanish jewellery of silver and curiously cut diamonds to which she was fondly attached - too attached, for she refused to leave them with her banker and always carried them about with her. A rather pathetic figure, the Lady Frances, a beautiful woman, still in fresh middle age, and yet, by a strange chance, the last derelict of what only twenty years ago was a goodly fleet.”

“What has happened to her, then?”

“Ah, what has happened to the Lady Frances? Is she alive or dead? There is our problem. She is a lady of precise habits, and for four years it has been her invariable custom to write every second week to Miss Dobney, her old governess, who has long retired and lives in Camberwell. It is this Miss Dobney who has consulted me. Nearly five weeks have passed without a word. The last letter was from the Hotel National at Lausanne. Lady Frances seems to have left there and given no address. The family are anxious, and as they are exceedingly wealthy no sum will be spared if we can clear the matter up.”

“Is Miss Dobney the only source of information? Surely she had other correspondents?”

“There is one correspondent who is a sure draw, Watson. That is the bank. Single ladies must live, and their passbooks are compressed diaries. She banks at Silvester’s. I have glanced over her account. The last check but one paid her bill at Lausanne, but it was a large one and probably left her with cash in hand. Only one check has been drawn since.”

“To whom, and where?”

“To Miss Marie Devine. There is nothing to show where the check was drawn. It was cashed at the Crédit Lyonnais at Montpellier less than three weeks ago. The sum was fifty pounds.”

“And who is Miss Marie Devine?”

“That also I have been able to discover. Miss Marie Devine was the maid of Lady Frances Carfax. Why she should have paid her this check we have not yet determined. I have no doubt, however, that your researches will soon clear the matter up.”

“My researches!”

“Hence the health-giving expedition to Lausanne. You know that I cannot possibly leave London while old Abrahams is in such mortal terror of his life. Besides, on general principles it is best that I should not leave the country. Scotland Yard feels lonely without me, and it causes an unhealthy excitement among the criminal classes. Go, then, my dear Watson, and if my humble counsel can ever be valued at so extravagant a rate as two pence a word, it waits your disposal night and day at the end of the Continental wire.”

Two days later found me at the Hôtel National at Lausanne, where I received every courtesy at the hands of M. Moser, the well-known manager. Lady Frances, as he informed me, had stayed there for several weeks. She had been much liked by all who met her. Her age was not more than forty. She was still handsome and bore every sign of having in her youth been a very lovely woman. M. Moser knew nothing of any valuable jewellery, but it had been remarked by the servants that the heavy trunk in the lady’s bedroom was always scrupulously locked. Marie Devine, the maid, was as popular as her mistress. She was actually engaged to one of the head waiters in the hotel, and there was no difficulty in getting her address. It was 11 Rue de Trajan, Montpellier. All this I jotted down and felt that Holmes himself could not have been more adroit in collecting his facts.