“I am a hop merchant myself, and as I have an income of seven or eight hundred, we found ourselves comfortably off and took a nice eighty-pound-a-year villa at Norbury. Our little place was very countrified, considering that it is so close to town. We had an inn and two houses a little above us, and a single cottage at the other side of the field which faces us, and except those there were no houses until you got halfway to the station. My business took me into town at certain seasons, but in summer I had less to do, and then in our country home my wife and I were just as happy as could be wished. I tell you that there never was a shadow between us until this accursed affair began.

“There’s one thing I ought to tell you before I go further. When we married, my wife made over all her property to me - rather against my will, for I saw how awkward it would be if my business affairs went wrong. However, she would have it so, and it was done. Well, about six weeks ago she came to me.

“ ‘Jack,’ said she, ‘when you took my money you said that if ever I wanted any I was to ask you for it.’

“ ‘Certainly,’ said I. ‘It’s all your own.’

“ ‘Well,’ said she, ‘I want a hundred pounds.’

“I was a bit staggered at this, for I had imagined it was simply a new dress or something of the kind that she was after.

“ ‘What on earth for?’ I asked.

“ ‘Oh,’ said she in her playful way, ‘you said that you were only my banker, and bankers never ask questions, you know.’

“ ‘If you really mean it, of course you shall have the money,’ said I.

“ ‘Oh, yes, I really mean it.’

“ ‘And you won’t tell me what you want it for?’

“ ‘Some day, perhaps, but not just at present, Jack.’

“So I had to be content with that, though it was the first time that there had ever been any secret between us. I gave her a check, and I never thought any more of the matter. It may have nothing to do with what came afterwards, but I thought it only right to mention it.

“Well, I told you just now that there is a cottage not far from our house. There is just a field between us, but to reach it you have to go along the road and then turn down a lane. Just beyond it is a nice little grove of Scotch firs, and I used to be very fond of strolling down there, for trees are always a neighbourly kind of thing. The cottage had been standing empty this eight months, and it was a pity, for it was a pretty two-storied place, with an old-fashioned porch and a honeysuckle about it. I have stood many a time and thought what a neat little homestead it would make.

“Well, last Monday evening I was taking a stroll down that way when I met an empty van coming up the lane and saw a pile of carpets and things lying about on the grass-plot beside the porch. It was clear that the cottage had at last been let. I walked past it, and then stopping, as an idle man might, I ran my eye over it and wondered what sort of folk they were who had come to live so near us. And as I looked I suddenly became aware that a face was watching me out of one of the upper windows.