Rutherford Maxwell was an Englishman, and the younger son of an Englishman; and his lot was the lot of the younger sons all the world over. He was by profession one of the numerous employees of the New Asiatic Bank, which has its branches all over the world. It is a sound, trustworthy institution, and steady-going relatives would assure Rutherford that he was lucky to have got a berth in it. Rutherford did not agree with them. However sound and trustworthy, it was not exactly romantic. Nor did it err on the side of over-lavishness to those who served it. Rutherford's salary was small. So were his prospects-if he remained in the bank.