"Things went on very well until, one day, a man came to examine the bank and to see if all the money was safely there, and the examiner, as the man was called, discovered a shortage. That is, there was not as much money in the bank as there should have been. The shortage lay between the two brothers. Tom, in terrible distress, admitted to Bill that he had 'just borrowed' the money to invest in stocks--which is a way people speak of one kind of gambling--but that the investment had failed, and he had lost it.