twelve o'clock
How when united did they each illumine the other , -- they , the two greatest forces of the world ! On the morning following the day on which we heard of Mr. Ferroll 's arrival in New York , I saw a statement in the daily paper which made me start violently . It was the announcement of the failure of Roger Dale , banker and broker , with liabilities of three millions and estimated assets of less than one hundred thousand . I hastened to get ready to call on Mr. Chelm , but before leaving the house I received a message from him which read as follows : `` Francis Prime is in town , and I have made an appointment with him for twelve o'clock . You will please come to the office at once , if possible . '' `` What has happened , Mr. Chelm ? '' I asked , as I entered the room where he was sitting .