The one security that he could offer was open, it must be owned, to serious objections on the score of risk. He wanted an advance of twenty thousand pounds, secured on a homeward-bound ship and cargo. But the vessel was not insured, and at that stormy season she was already more than a month overdue. Could grateful colleagues be blamed if they forgot their obligations when they were asked to offer pecuniary help to a merchant in this situation? Ernest returned to his office without money and without credit.