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Updated: May 9, 2025
He knew that Mrs Niven owned stock in the Blankow Bank; he knew that the Bank paid its shareholders a very handsome dividend, and he was aware that, owing to the unfavourable rumours then current, the value of the stock would fall very considerably. That, therefore, was the time for knowing men like Mr Black, who believed in the soundness of the bank, to buy.
"No, nobody." "Then I'm prepared for any other kind of bad news," said our philosopher with a quiet smile. "The Blankow Bank," said his father, laying a hand impressively on his shoulder, "has failed, and every penny of your gold is gone!" The family had become very grave. Jack looked from one to the other with a bewildered air. "You are jesting, father."
That morning, through some mysterious agency, he had learned that there were rumours of an unfavourable kind in reference to a certain bank in the city, which, for convenience, we shall name the Blankow Bank. Now, it so happened that Mr Black was intimately acquainted with one of the directors of that bank, in whom, as well as in the bank itself, he had the most implicit confidence.
Mr Wilkins purchased shares with it in the Blankow Bank, telling Mr Jack that he considered it one of the best and safest investments in Scotland, that he had invested in it all the funds sent home by his own son and his comrades, and that he himself was a large shareholder.
"It is plain that you have not heard of the disastrous failure," he said. "Only last week the Blankow Bank suspended payment, and if the reports as to its liabilities be true, the result will be widespread ruin throughout the country." "Do you mean to say that the Bank has failed?" asked Mr Jack, anxiously. "Yes, and it is feared that most of the shareholders will be ruined. I am one, you know."
Ah!" he added with a sigh, "it's a rich man I'd have been this day if that ship had only kep' afloat a few hours longer. Well, well, I needn't grumble, when me own comrades, that thought it so safe in the Blankow Bank, are about as badly off as me. When was it they began to suspec' the bank was shaky?" "Oh, long ago," said Mrs Bancroft, "soon after the disappearance of Mr Luke, the cashier "
"What! wrecked again?" she cried, "on a bank, in a boat? Oh! don't tell me, don't tell me that he's drownded." "No, no," cried Mr Jack, hastening to relieve her mind, while he supported her to a chair; "no, no; my dear boy's all right. It's the Blankow Bank I mean that's gone to wreck, you know, and all his money with it, and yours too, I suppose, for you told me you had shares in that bank."
"Very kind o' Maister Black," she observed to Peggy, her maid-of-all-work, on reading the letter. "The Blankow Bank gi'es a high dividend, nae doot, but I'm well enough off, and hae nae need to risk my siller for the sake o' a pund or twa mair income i' the year. Fetch me the ink, Peggy."
In one of these letters, his son mentioned that he had sent still larger sums to the care of Mr Wilkins senior, to be invested for himself. Mr Jack, having consulted with his faithful spouse, drew his son's gifts from the local bank, went to the city of Blankow, called on Mr Wilkins, and desired him to invest the money in the same concern with the rest.
I hope I can have it, for I'm going to college again, and I've an affection for the old place, despite the smoky chimney and the cans on the cats' parade." "Yer jokin', Maister Jack." "Indeed I am not, Mrs Niven." "They telt me ye was in Callyforny, an had made 'eer fortin there by howkin' gold." "Well, they told the truth, my good woman, but I happened to invest all in Blankow Bank shares, and "
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