11 A.M.
If they 're good enough , I 'll win . '' `` They are good enough , '' said Miss Westlake with simple faith . `` I 'll know to-morrow , '' replied Banneker . For a young man , jobless , highly unsettled of prospects , the ratio of whose debts to his assets was inversely to what it should have been , Banneker presented a singularly care-free aspect when , at 11 A.M. of a rainy morning , he called at Mr. Tertius Marrineal 's Fifth Avenue house , bringing with him a suitcase heavily packed . Mr. Marrineal 's personal Jap took over the burden and conducted it and its owner to a small rear room at the top of the house . Banneker apprehended at the first glance that this was a room for work . Mr. Marrineal , rising from behind a broad , glass-topped table with his accustomed amiable smile , also looked workmanlike .