his fortunes, he embarked his name (and as much money as he could scrape together) in one of the bubble schemes of the day. A scheme which—according to its prospectus, its promoters' assertions, and the credulous doctor's own belief—was certain to realize an immense fortune in no time.)

Instead of that, it realized poverty and ruin. The scheme failed—the usual result—and Dr. Raynor found himself responsible for more money than he would ever make in this world. Misfortunes, it has been too often said, do not come singly: Dr. Raynor proved an example of it. Just before the bubble burst, he lost his wife; and the only one element of comfort that came to him in the midst of his bitter grief for her, was to know that she died before the other blow fell.

A frightful blow it was, almost prostrating Dr. Raynor. The creditors of the ruthless company took all from him: even to the gold watch upon his person.

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