fifteen minutes to
three
Here is the money with interest for twelve years . '' Paul 's heart gave a sudden bound of joy . Strong man as he was a mist gathered in his eyes as he reached out his hand to receive the thrice welcome sum . He looked at the clock , it was just fifteen minutes to three . `` Will you walk with me to the bank or wait till I return ? '' `` I will wait , '' said James Smith , taking up the morning paper . * * * * * `` You are just in time , Mr. Clifford , '' said the banker smiling and bowing as Paul entered , `` I was afraid your note would be protested ; but it is all right . ''