“It is clear,” replied Gauthier Ralph; “and we have nothing to do but to present Mr. Fogg's cheque at Barings to-morrow.”

At this moment, the hands of the club clock pointed to twenty minutes to nine.

“Five minutes more,” said Andrew Stuart.

The five gentlemen looked at each other. Their anxiety was becoming intense; but, not wishing to betray it, they readily assented to Mr. Fallentin's proposal of a rubber.

“I wouldn't give up my four thousand of the bet,” said Andrew Stuart, as he took his seat, “for three thousand nine hundred and ninety-nine.”

The clock indicated eighteen minutes to nine.