CHAPTER I. –––––––– John Percival was a nephew of a banker in Edinburgh, destined from his childhood to the service of the bank—which was considered by all the family the greatest good luck that could have happened to a boy. His uncle, who like the boy was John Percival, and who was his godfather—or namefather, as we say in Scotland—as well as his uncle and his patron, and was connected with him by every possible tie, was a childless man: childless, too, in the most secure way,—not an old bachelor who might marry at any moment, but a staid married man with a wife younger than himself, yet not so young as to be dangerous. He was, though the old man did not say so, nor do anything to raise expectations, universally considered as his uncle's heir; and did so consider himself calmly, without