Bigalow did not look happy. It would be his burden to contact the directors of the Salt Lake Bank and tell them their four hundred and seventy-five thousand dollars had vanished.

“What was the name on the draft?”

“A Mr. Eliah Ruskin,” answered Cromwell. “He produced a file of papers that showed Mr. Ruskin was the founder of an insurance company that was going to pay off claims brought on by a fire that destroyed a city block in a town…” Cromwell paused. “I believe he said its name was Bellingham, in Washington State.”

“Can you describe Ruskin?” asked Farnum.

“Very well dressed,” offered Cromwell. “Tall, with blond hair and a large blond mustache. I didn’t catch the color of his eyes. But I seem to recall that he carried an unusual cane, with a silver eagle’s head.”

“That’s Ruskin, all right,” muttered Farnum.

“He didn’t waste any time,” Bigalow said to his partner. “He must have caught an express train to get here in a little over a day.”

Farnum stared at Cromwell skeptically. “Didn’t you think that was an astronomical amount to pay a perfect stranger from out of state?”

“True, but, as I said, I personally checked the draft to make sure it wasn’t a forgery. I asked him why he didn’t draw on it from a Seattle bank, but he said his company was opening an office in San Francisco. I assure you that it was a bona fide draft. I could find no reason to be suspicious. We paid, although it took almost every dollar of currency we carried in the vault.”

“The bank we represent won’t be happy about this,” Barnum pointed out.

“I’m not worried,” Cromwell replied significantly. “The Cromwell Bank has done nothing illegitimate or illegal. We have adhered to the rules and regulations of banking. As to the Salt Lake Bank and Trust failing to meet their obligations, I’m not concerned. Besides their insurance company paying for the theft of the currency, I happen to know their assets are more than ample to cover a half-million-dollar loss.”

Barnum addressed Bigalow without turning in his direction. “We had better get to the nearest telegraph office and notify the Salt Lake Bank and Trust directors.

They won’t be pleased.”

“Yes.” Bigalow nodded heavily. “They may not take this lying down.”

“They have no choice but to honor the draft. It is safe to say the banking commission will agree in Cromwell Bank’s favor, should the directors of the Salt Lake Bank wish to enter a protest.”

The two agents came to their feet.

“We’ll need a statement from you, Mr. Cromwell,” announced Farnum, “stating the circumstances of the payment.”

“I shall have my attorneys draw it up first thing in the morning.”

“Thank you for your consideration.”

“Not at all,” said Cromwell, remaining seated. “I’ll do all in my power to cooperate.”