four o'clock
He was quite aware that he was looked upon either as one of the luckiest men on earth , or as a financier of consummate skill . The failure of Laverick & Morrison had been looked upon as a certainty . How they had tided over that twenty-four hours had been known to no one -- to no one but Laverick himself and the manager of his bank . Just before four o'clock , the telephone rang at his elbow . `` Mr. Fenwick from the bank , sir , is wishing to speak to you for a moment , '' his head-clerk announced . Laverick took up the telephone . `` Yes , '' he said , `` I am Laverick .