Seated at breakfast on that memorable July morning, Jacob Pratt presented all the appearance of a disconsolate man. His little country sitting-room was as neat and tidy as the capable hands of the inimitable Mrs. Harris could make it. His coffee was hot and his eggs were perfectly boiled. Through the open windows stretched a little vista of the many rows of standard roses which had been the joy of his life. Yet blank misery dwelt in the soul of this erstwhile cheerful little man, and the spirit of degradation hung like a gloomy pall over his thoughts and being. Only the day before he had filed his petition in bankruptcy.