“‘What on earth for?” I asked.

“‘Oh,” said she, in her playful way, “you said that you were only my banker, and bankers never ask questions, you know.”

“‘If you really mean it, of course you shall have the money,” said I.

“‘Oh, yes, I really mean it.”

“‘And you won’t tell me what you want it for?”

“‘Some day, perhaps, but not just at present, Jack.”

‘So I had to be content with that, though it was the first time that there had ever been any secret between us. I gave her a cheque, and I never thought any more of the matter. It may have nothing to do with what came afterwards, but I thought it only right to mention it.

‘Well, I told you just now that there is a cottage not far from our house. There is just a field between us, but to reach it you have to go along the road and then turn down a lane. Just beyond it is a nice little grove of Scotch firs, and I used to be very fond of strolling down there, for trees are always neighbourly kinds of things. The cottage had been standing empty this eight months, and it was a pity, for it was a pretty two-storied place, with an old-fashioned porch and honeysuckle about it. I have stood many a time and thought what a neat little homestead it would make.

‘Well, last Monday evening I was taking a stroll down that way, when I met an empty van coming up the lane, and saw a pile of carpets and things lying about on the grass-plot beside the porch. It was clear that the cottage had at last been let. I walked past it, and then stopping, as an idle man might, I ran my eye over it, and wondered what sort of folk they were who had come to live so near us. And as I looked I suddenly became aware that a face was watching me out of one of the upper windows.

‘I don’t know what there was about that face, Mr Holmes, but it seemed to send a chill right down my back. I was some little way off, so that I could not make out the features, but there was something unnatural and inhuman about the face. That was the impression I had, and I moved quickly forwards to get a nearer view of the person who was watching me. But as I did so the face suddenly disappeared, so suddenly that it seemed to have been plucked away into the darkness of the room. I stood for five minutes thinking the business over, and trying to analyse my impressions. I could not tell if the face was that of a man or a woman. But the colour was what impressed me most. It was of a livid dead yellow, and with something set and rigid about it, which was shockingly unnatural. So disturbed was I, that I determined to see a little more of the new inmates of the cottage. I approached and knocked at the door, which was instantly opened by a tall, gaunt woman, with a harsh, forbidding face.

“‘What may you be wantin”?’ she asked, in a northern accent.

“‘I am your neighbour over yonder,” said I, nodding towards my house. “I see that you have only just moved in, so I thought that if I could be of any help to you in any—”

“‘Aye, we’ll just ask ye when we want ye,” said she, and shut the door in my face. Annoyed at the churlish rebuff, I turned my back and walked home. All the evening, though I tried to think of other things, my mind would still turn to the apparition at the window and the rudeness of the woman. I determined to say nothing about the former to my wife, for she is a nervous, highly strung woman, and I had no wish that she should share the unpleasant impression which had been produced upon myself. I remarked to her, however, before I fell asleep that the cottage was now occupied, to which she returned no reply.

‘I am usually an extremely sound sleeper. It has been a standing jest in the family that nothing could ever wake me during the night; and yet somehow on that particular night, whether it may have been the