IT was a sad morning at the Rectory of Waverfield, in Somersetshire. The living was not a valuable one, but the rector, John Harberton, possessed a private income derived from shares in a bank in the Midlands, that had hitherto been considered a stable and flourishing institution. That morning one of the first items in the paper that met his eye was: "Failure of the Birmingham and Coventry Banking Company. Reported heavy liabilities. Wide-spread dismay." "It is a great misfortune, my dear," the rector said, after the first exclamations of surprise and lamentation had ceased. "Still, thank God, we have our church income remaining; that cannot be touched, and we are more fortunate than many o…
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