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the weak side. I instantly bade again. The lady coolly did the same. I, growing more warm, went on. The lady proceeded, with smiles not quite of courtesy; till, in exchange for my discretion, my temper, and a hundred and fifteen pounds, I had gained the tortoise-shell dressing-box.

      The costly toy was already in my possession, and already every eye was turned upon me with envy, sarcasm, or compassion, before I remembered that it was necessary to pay for my purchase. In some perplexity I began to search for my purse; recollecting, not without dismay, that it did not contain above twenty guineas. I had indeed a further supply at home, but the law of the sale required that every purchase should be paid for upon the spot, and I was obliged to apply to Lady St Edmunds for assistance. This was the first time that ever I had found occasion to borrow money; and I shall never forget the embarrassment which it cost me. With a confusion which would have dearly paid for the possession of ten thousand baubles, I, in a timid, scarcely intelligible whisper, begged Lady St Edmunds to lend me the necessary sum, assuring her that it should be repaid that very day. Her Ladyship at first frankly consented to my request; but suddenly recollecting herself, declared that she had not a guinea about her; and, without waiting for my concurrence, called upon Lord Frederick to relieve my difficulty. Giddy and imprudent as I was, I shrunk from incurring this obligation to Lord Frederick. I at first positively refused his aid; and while, for a few minutes, I sat affecting to examine my purchase, I was cordially wishing that its materials were still in opposite hemispheres, and endeavouring to gain courage for a petition to some other of my acquaintance.

      I at last fixed upon a young lady of fortune with whom I had contracted some intimacy; and, under pretence of exhibiting my box, beckoned her towards me, and requested her to lend me the money. With an aspect of profound amazement, she exclaimed, 'La, my dear! how can you think of such a thing? I have not ten pounds in the world. I never have. It is always spent before I can lay a finger on it.' – 'Indeed! I was in hopes you were in cash just now, for I thought I observed you bid for this box.' – 'Oh, one must bid now and then for a little amusement! But I assure you I had no thoughts of buying such a splendid affair. I must leave that to those who have more money than they know what to do with.'

      I could perceive a tincture of malice in the smile which accompanied these words; and turning from her, resumed my conversation with Lady St Edmunds. Her Ladyship rallied me unmercifully upon what she called my prudery; asking me, in a very audible whisper, what sort of interest I expected Lord Frederick to exact, which made me so afraid of becoming his debtor. Lord Frederick himself joined in the raillery; and, laughing, offered to recommend me to an honest Jew, if I preferred such a creditor. Their manner of treating the subject made me almost ashamed of having refused Lord Frederick's assistance, especially as I was certain that the obligation might be discharged in an hour. I suspected, indeed, though I was but imperfectly acquainted with the state of my funds, that they were insufficient for this demand; but I knew that Miss Arnold had money, because I had divided my quarterly allowance with her, and had not since observed her to incur any serious expense. Besides, I was convinced that my father would permit me to draw upon him in advance, so that at all events I should be able to discharge my debt on the following day. I therefore half playfully, half in earnest, accepted of Lord Frederick's offered aid; and he instantly delivered the money to me with a gallantry, which showed that a man of fashion can, upon extraordinary occasions, be polite.

      When I had received the notes, I jestingly asked him what security I should give him for their repayment? Lord Frederick took my hand, and drawing from my finger a ring of small value, said, with more seriousness than I expected, 'This shall be my pledge; but you must not imagine that I shall restore it for a few paltry guineas. You may have it again as soon as you will, on a fit occasion.' I could have dispensed with this piece of gallantry, which was conducted too seriously for my taste; but a lady, like a member of Parliament, must accept of no favours if she would preserve the right of remonstrance, and I allowed Lord Frederick to keep the ring.

      Soon afterwards we returned home, and I proceeded to examine the state of my funds. I was astonished to find that my bureau did not contain above ten pounds. I searched every drawer and concealment, wondering at intervals what could possibly have become of my money, – a wonder, I believe, in which the fugitive nature of guineas involves every fair lady who keeps no exact register of their departure. Thus employed, I was found by Miss Arnold, to whom I immediately unfolded my dilemma; calling upon her to assist me with her recollection, as to the disposal of my funds, and with her purse, in supply of their present deficiency. On the first point, she was tolerably helpful to me, recalling to my mind many expenses which I had utterly forgotten; but, in regard to the second, she protested, with expressions of deep regret, that she could yield me no assistance. 'You may well look astonished, dearest Ellen,' pursued she, 'considering your noble generosity to me. But, indeed, nothing could have happened more unfortunately. It was only yesterday that I visited my brother, and happened to tell him what a princely spirit you had, and how liberal you had been to me. The deuce take my tongue for being so nimble, – but it is all your own fault, Ellen; for you won't let me praise you to your face, and one can't always be silent. So, just then, in came a fellow with a long bill for some vile thing or another, and my brother bid me lend him my money that he might settle with the creature. What could I do, you know? I could not refuse. But if I had once guessed that you could possibly want it, I should as soon have lent him my heart's blood.'

      I suffered the tale to conclude without interruption; for indeed I was fully as much astonished as I looked. I had by no means understood that my friend was upon such terms with her brother as to incline her to lend him money; nor that he was in such circumstances as to need to borrow. A doubt of her truth, however, never once darkened my mind. Self-love prevented me, as it daily prevents thousands, from making the very obvious reflection, that one who could be disingenuous with others to serve me, might be disingenuous with me to serve herself. Miss Arnold proceeded to reproach herself in the bitterest manner for her improvidence in parting with the money, and seemed so heartily vexed, that the little spleen which my disappointment had at first excited entirely subsided; and I comforted my friend as well as I was able, by assuring her that my father would advance whatever money I desired.

      Miss Arnold now, in her turn, was silent, wearing a look of grave consideration. 'If I were in your place, Ellen,' said she, at last, 'I don't think I would mention this matter to Mr Percy.'

      'Not mention it!' said I, 'why not?'

      'Because,' returned Miss Arnold, 'I see no end it can serve, except to make him angry. You know his pompous notions; and, after what has passed, I am sure he will think you borrowing money from Lord Frederick an act of downright rebellion.'

      'Indeed,' returned I, 'that is very likely; but I promised to repay Lord Frederick to-morrow; and I have no other way of obtaining the money.'

      'Poh! my dear, you are so punctilious about trifles! What can it possibly signify to Lord Frederick whether he be repaid to-morrow, or the day after?'

      'Why, to be sure, it cannot signify much; only, as I have given my promise, I do not like to break it.'

      'Well, really, Ellen, if I were to shut my eyes, I could sometimes fancy you had been brought up with some queer old aunt in the country. What difference can one day make? And I am sure, by the end of the week, at farthest, I could get the money from my brother, and settle the whole matter peaceably. Do take my advice, and say nothing about it to your father; he will be so angry; and you know, at the worst, you can tell him at any time.'

      Had my mind been well regulated, or my judgment sound, Miss Arnold's argument would itself have defeated her purpose; and the very conviction of my father's disliking my debt to Lord Frederick would have determined me that it should, at all hazards, be repaid. But I was fated, in many instances, to suffer the penalty of those perverted habits of mind, which imposed upon me a sort of moral disability of choosing right, as often as a choice was presented to me. Misled by an artful adviser, or rather, perhaps, by my own inveterate abhorrence of reproof, I chose that clandestine path, in which none can tread with peace or safety. In this fatal decision began a long train of evil.

      Warned by my example, let him who is entering upon life review, with a suspicious eye, the transactions which he is inclined to conceal from the appointed guardians of his virtue. If the subject be of moment, let him be wisely fearful to rely upon his own judgment; – if it be trivial, let

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