As eight o'clock struck on the church clock in the square, Danny picked up the wallet from the bedside table and put it in his jacket pocket. He looked at the envelope Nick's grandfather had left him, and decided the stamp had to be the secret. He sat down at the desk by the window and wrote out a check to Nicholas Moncrieff for five hundred pounds. Was there five hundred pounds in Nick's account? There was only one way he was going to find out.

When he left the house a few minutes later he pulled the door closed, but this time he remembered to take the keys with him. He strolled to the top of the road, turned right and walked in the direction of South Kensington tube station, only stopping to drop into a newsagent and pick up a copy of The Times. As he was leaving the shop, he spotted a noticeboard offering various services. "Massage, Sylvia will come to your home, £100." "Lawnmower for sale, only used twice, £250 o.n.o." He would have bought it if he had been confident there was £250 in Nick's bank account. "Cleaner, five pounds an hour, references supplied. Call Mrs. Murphy on..." Danny wondered if Mrs. Murphy had a thousand hours to spare. He made a note of her mobile number, which reminded him of something else he needed to put on his shopping list, but that would also have to wait until he had discovered how much money there was in Nick's account.

By the time he got off the tube at Charing Cross, Danny had settled on two plans of action, depending on whether the manager of Coutts knew Sir Nicholas well, or had never come across him before.

He walked along the Strand looking for the bank. On its gray cover Nick's checkbook simply stated Coutts amp; Co, The Strand, London ; clearly it was too grand an establishment to admit it had a number. He had not gone far before he spotted a large glass-fronted bronze building on the other side of the road, discreetly displaying two crowns above the name Coutts. He crossed the road, nipping in and out of the traffic. He was about to find out the extent of his wealth.

He entered the bank through the revolving doors, and quickly tried to get his bearings. Ahead of him, an escalator led up to the banking hall. He made his way up to a large, glass-roofed room with a long counter running the length of one wall. Several tellers, dressed in black frock coats, were serving customers. Danny selected a young man who looked as if he had only just started shaving. He walked up to his window. "I would like to make a withdrawal."

"How much do you require, sir?" the teller asked.

"Five hundred pounds," said Danny, handing over the check he had written out earlier that morning.

The teller checked the name and number on his computer, and hesitated. "Would you be kind enough to wait for one moment, Sir Nicholas?" he asked. Danny's mind started racing. Was Nick's account overdrawn? Had the account been closed? Were they unwilling to deal with an ex-con? A few moments later an older man appeared, and gave him a warm smile. Had Nick known him?

"Sir Nicholas?" he ventured.

"Yes," said Danny, one of his questions answered.

"My name is Mr. Watson. I'm the manager. It's a pleasure to meet you after all this time." Danny shook him warmly by the hand before the manager said, "Perhaps we could have a word in my office?"

"Certainly, Mr. Watson," said Danny, trying to appear confident. He followed the manager across the banking floor and through a door that led into a small wood-paneled office. There was a single oil painting of a gentleman in a long black frock coat hanging on the wall behind his desk. Under the portrait was the legend John Campbell, Founder, 1692.

Mr. Watson began speaking even before Danny had sat down. "I see that you haven't made a withdrawal for the past four years, Sir Nicholas," he said, looking at his computer screen.

"That's correct," said Danny.

"Perhaps you have been abroad?"

"No, but in future I will be a more regular customer. That is, if you have been handling my account with care while I've been away."

"I hope you will think so, Sir Nicholas," responded the manager. "We have been paying interest at three percent per annum into your current account year on year."

Danny wasn't impressed, but only asked, "And how much is in my current account?"

The manager glanced at the screen. "Seven thousand, two hundred and twelve pounds." Danny breathed a sigh of relief, then asked, "Are there any other accounts, documents or valuables in my name which you are holding at the present time?" The manager looked a little surprised. "It's just that my father died recently."

The manager nodded. "I'll just check, sir," he said, before pressing some keys on his computer. He shook his head. "It seems that your father's account was closed two months ago, and all his assets were transferred to the Clydesdale Bank in Edinburgh."

"Ah, yes," said Danny. "My uncle Hugo."

"Hugo Moncrieff was indeed the recipient," confirmed the manager.

"Just as I thought," said Danny.

"Is there anything else I can do for you, Sir Nicholas?"

"Yes, I'll need a credit card."

"Of course," said Watson. "If you fill in this form," he added, pushing a questionnaire across the table, "we'll send one to your home address in the next few days."

Danny tried to remember Nick's date and place of birth and his middle name; he wasn't sure what to put under "occupation" or "annual earnings."

"There's one other thing," said Danny once he'd completed the form. "Would you have any idea where I can get this valued?" He took out the little envelope from an inside pocket and slid it across the desk.

The manager looked at the envelope carefully. "Stanley Gibbons," he replied without hesitation. "They are leaders in the field, and they have an international reputation."

"Where would I find them?"

"They have a branch just up the road. I would recommend that you have a word with Mr. Prendergast."

"I'm lucky that you're so well informed," said Danny suspiciously.

"Well, they have banked with us for almost a hundred and fifty years."

***

Danny walked out of the bank with an extra £500 in his wallet, and set off in search of Stanley Gibbons. On the way he passed a mobile phone shop, which allowed him to tick another item off his shopping list. After he'd selected the latest model, he asked the young assistant if he knew where Stanley Gibbons was.

"Another fifty yards on your left," he replied.

Danny continued down the road until he saw the sign over the door. Inside, a tall thin man was leaning on the counter turning the pages of a catalog. He stood up straight the moment Danny came in.

"Mr. Prendergast?" asked Danny.

"Yes," he said. "How may I help you?"

Danny took out the envelope and put it on the counter. "Mr. Watson at Coutts suggested that you might be able to value this for me."

"I'll do my best," said Mr. Prendergast, picking up a magnifying glass from under the counter. He studied the envelope for some time before he ventured an opinion. "The stamp is a first-edition five-franc imperial, issued to mark the founding of the modern Olympic Games. The stamp itself is of little value, no more than a few hundred pounds. But there are two other factors that could possibly add to its importance."