He drank strong waters and his speech was coarse;

He purchased raiment and forebore to pay;

He struck a trusting junior with a horse,

And won Gymkhanas in a doubtful way.

Then, 'twixt a vice and folly, turned aside

To do good deeds and straight to cloak them, lied.

The Mess Room.

If Reggie Burke were in India now, he would resent this tale being told; but as he is in Hong-Kong and won't see it, the telling is safe. He was the man who worked the big fraud on the Sind and Sialkote Bank. He was manager of an up-country Branch, and a sound practical man with a large experience of native loan and insurance work. He could combine the frivolities of ordinary life with his work, and yet do well. Reggie Burke rode anything that would let him get up, danced as neatly as he rode, and was wanted for every sort of amusement in the Station.

As he said himself, and as many men found out rather to their surprise, there were two Burkes, both very much at your service. "Reggie Burke," between four and ten, ready for anything from a hot- weather gymkhana to a riding-picnic; and, between ten and four, "Mr. Reginald Burke, Manager of the Sind and Sialkote Branch Bank." You might play polo with him one afternoon and hear him express his opinions when a man crossed; and you might call on him next morning to raise a two-thousand rupee loan on a five hundred pound insurance-policy, eighty pounds paid in premiums. He would recognize you, but you would have some trouble in recognizing him.

The Directors of the Bank — it had its headquarters in Calcutta and its General Manager's word carried weight with the Government — picked their men well. They had tested Reggie up to a fairly severe breaking-strain. They trusted him just as much as Directors ever trust Managers. You must see for yourself whether their trust was misplaced.

Reggie's Branch was in a big Station, and worked with the usual staff — one Manager, one Accountant, both English, a Cashier, and a horde of native clerks; besides the Police patrol at nights outside. The bulk of its work, for it was in a thriving district, was hoondi and accommodation of all kinds. A fool has no grip of this sort of business; and a clever man who does not go about among his clients, and know more than a little of their affairs, is worse than a fool. Reggie was young-looking, clean-shaved, with a twinkle in his eye, and a head that nothing short of a gallon of the Gunners' Madeira could make any impression on.

One day, at a big dinner, he announced casually that the Directors had shifted on to him a Natural Curiosity, from England, in the Accountant line. He was perfectly correct. Mr. Silas Riley, Accountant, was a MOST curious animal — a long, gawky, rawboned Yorkshireman, full of the savage self-conceit that blossom's only in the best county in England. Arrogance was a mild word for the mental attitude of Mr. S. Riley. He had worked himself up, after seven years, to a Cashier's position in a Huddersfield Bank; and all his experience lay among the factories of the North. Perhaps he would have done better on the Bombay side, where they are happy with one-half per cent. profits, and money is cheap. He was useless for Upper India and a wheat Province, where a man wants a large head and a touch of imagination if he is to turn out a satisfactory balance- sheet.