seven o'clock
But it was not the sum-total that dismayed Colville when he glanced at the final figure ; that , indeed , was not so very great , with all the items ; it was the conviction , suddenly flashing upon him , that he had not money enough by him to pay it . His watch , held close to the fire , told him that it was five o'clock ; the banks had been closed an hour , and this was Saturday afternoon . The squalid accident had all the effect of intention , as he viewed it from without himself , and considered that the money ought to have been the first thing in his thoughts after he determined to go away . He must get the money somehow , and be off to Rome by the seven o'clock train . A whimsical suggestion , which was so good a bit of irony that it made him smile , flashed across him : he might borrow it of Mrs. Bowen . She was , in fact , the only person in Florence with whom he was at all on borrowing terms , and a sad sense of the sweetness of her lost friendship followed upon the antic notion . No ; for once he could not go to Mrs. Bowen .