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Cotterill had run the risks of the speculative builder, built and mortgaged, built and mortgaged, sold at a profit, sold without profit, sold at a loss, and failed to sell; given bills, second mortgages, and third mortgages; and because he was a builder and could do nothing but build, he had continued to build in defiance of Bursley's lack of enthusiasm for his erections.

Simeon did a good deal of commercial travelling for the firm of A. & S. Cotterill, teapot makers, Bursley. In many commercial hotels he was familiarly known as Teapot Cotterill. The brothers were reassured by Mrs Hopkins. There was half an hour to the time of the train and the station only ten minutes off. Then the chiming clock in the hall struck the third quarter. "That clock right?"

And he called on Councillor Cotterill to second the toast. Which Councillor Cotterill did, in good set terms, the result of long habit. And Denry stammered that he was much obliged, and that really it was nothing. But when the toasting was finished, Councillor Cotterill lapsed somewhat into a patronising irony, as if he were jealous of a youthful success. And he did not stop at "young man."

Three persons stood on the newly-washed marble step Mr and Mrs Cotterill and their daughter. "Oh! Come in! Come in! Make yourselves quite at home. That's what we're doing," said Demo in blithe greeting; and added, "I suppose he's invited you too?" And it appeared that Mr Cecil Wilbraham had indeed invited them too.

Then the wonderful house began to rise on the plot of land at Bleakridge. Denry had general charge of it, but always subject to erratic and autocratic instructions from London. Thanks to Denry, who, since the historic episode at Llandudno, had remained very friendly with the Cotterill family, Mr Cotterill had the job of building the house; the plans came from London.

There had been difficulties there always are. A business man who lives by collecting weekly rents obviously cannot go away for an indefinite period. And a young woman who lives alone in the world is bound to respect public opinion. However, Ruth arranged that her girlish friend, Nellie Cotterill, who had generous parents, should accompany her.

Nellie was with her father, Councillor Cotterill, and her mother. The Councillor was a speculative builder, who was erecting several streets of British homes in the new quarter above the new municipal park at Bursley. Denry had already encountered him once or twice in the way of business. He was a big and portly man of forty-five, with a thin face and a consciousness of prosperity.

A bell rang, and then the servant came into the drawing-room and remarked: "If you please, mum," at Mrs Cotterill, and Mrs Cotterill disappeared, closing the door after her. "What are they up to, between them?" Nellie demanded, and she, too, departed, with wrinkled brow, leaving Denry and Ruth together. It could be perceived on Nellie's brow that her father was going "to catch it."

The numerous gangways were thronged with people obeying the call, and handkerchiefs began to wave. And there was a regular vibrating tremor through the ship. Mr and Mrs Cotterill turned away. Ruth and Denry approached the nearest gangway, and Denry stood aside, and made a place for her to pass.

"I was but saying to Mr Cotterill over breakfast I said to him " "I shall ask Councillor Rhys-Jones to meet you," said Denry. "He's one of the principal members of the Town Council here; Local Secretary of the Lifeboat Institution. Great friend of mine." "Oh!" exclaimed Mrs Cotterill, "it'll be quite an affair." It was.