What's Bred in the Bone by Grant Allen

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As Cyril drove home from Waterloo next day to his lonely rooms in Staple Inn, Holborn, he turned aside with his cab for a few minutes to make a passing call at the bank in Lombard Street. He was short of ready money, and wanted to cash a cheque for fifty pounds for expenses incurred in his defence at Tavistock.

The cashier stared at him hard; then, without consulting anybody, he said, in a somewhat embarrassed tone, "I don't know whether you're aware of it, Mr. Waring, but this overdraws your current account. We haven't fifty pounds on our books to your credit."

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