a quarter before
nine
Throughout this day -LRB- Sunday -RRB- the house in Saville Row was as if uninhabited , and Phileas Fogg , for the first time since he had lived in that house , did not set out for his club when Westminster clock struck half-past eleven . Why should he present himself at the Reform ? His friends no longer expected him there . As Phileas Fogg had not appeared in the saloon on the evening before -LRB- Saturday , the 21st of December , at a quarter before nine -RRB- , he had lost his wager . It was not even necessary that he should go to his bankers for the twenty thousand pounds ; for his antagonists already had his cheque in their hands , and they had only to fill it out and send it to the Barings to have the amount transferred to their credit . Mr. Fogg , therefore , had no reason for going out , and so he remained at home . He shut himself up in his room , and busied himself putting his affairs in order .