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has come down with me. She's waiting at the station till I go back; then she'll come and see you. You're surprised? Well, I had better tell you that I'm leaving home because I can't get on with my people. Mother and I have always quarrelled, but it has been worse than ever lately. I must explain that she has married a second time, and Mr. Higgins—I'm glad to say that isn't my name—has a daughter of his own by a first marriage; and we can't bear each other—Miss Higgins, I mean. Some day, if I come to live here, I daresay I shall tell you more. Mr. Higgins is rich, and I can't say he's unkind to me; he'll give me as much as I want; but I'm sure he'll be very glad to get me out of the house. I have no money of my own—worse luck! Well, we thought it best for me to come alone, first, and see—just to see, you know—whether we were likely to suit each other. Then mother will come and tell you all she has to say about me. Of course I know what it'll be. They all say I've a horrible temper. I don't think so myself; and I'm sure I don't think I should quarrel with you, you look so nice. But I can't get on at home, and it's better for all that we should part. I'm just two-and-twenty—do I look older? I haven't learnt to do anything, and I suppose I shall never need to.'

      'Do you wish to see much society?' inquired Mrs. Mumford, who was thinking rapidly, 'or should you prefer a few really nice people? I'm afraid I don't quite understand yet whether you want society of the pleasure-seeking kind, or—'

      She left the alternative vague. Miss Derrick again reflected for a moment before abruptly declaring herself.

      'I feel sure that your friends are the kind I want to know. At all events, I should like to try. The great thing is to get away from home and see how things look.'

      They laughed together. Emmeline, after a little more talk, offered to take her visitor over the house, and Miss Derrick had loud praise for everything she saw.

      'What I like about you,' she exclaimed of a sudden, as they stood looking from a bedroom window on to the garden, 'is that you don't put on any—you know what I mean. People seem to me to be generally either low and ignorant, or so high and mighty there's no getting on with them at all. You're just what I wanted to find. Now I must go and send mother to see you.'

      Emmeline protested against this awkward proceeding. Why should not both come together and have a cup of tea? If it were desired, Miss Derrick could step into the garden whilst her mother said whatever she wished to say. The girl assented, and in excellent spirits betook herself to the railway station. Emmeline waited something less than a quarter of an hour; then a hansom drove up, and Mrs. Higgins, after a deliberate surveyal of the house front, followed her daughter up the pathway.

      The first sight of the portly lady made the situation clearer to Mrs. Mumford. Louise Derrick represented a certain stage of civilisation, a degree of conscious striving for better things; Mrs. Higgins was prosperous and self-satisfied vulgarity. Of a complexion much lighter than the girl's, she still possessed a coarse comeliness, which pointed back to the dairymaid type of damsel. Her features revealed at the same time a kindly nature and an irascible tendency. Monstrously overdressed, and weighted with costly gewgaws, she came forward panting and perspiring, and, before paying any heed to her hostess, closely surveyed the room.

      'Mrs. Mumford,' said the girl, 'this is my mother. Mother, this is Mrs. Mumford. And now, please, let me go somewhere while you have your talk.'

      'Yes, that'll be best, that'll be best,' exclaimed Mrs. Higgins. 'Dear, 'ow 'ot it is! Run out into the garden, Louise. Nice little 'ouse, Mrs. Mumford. And Louise seems quite taken with you. She doesn't take to people very easy, either. Of course, you can give satisfactory references? I like to do things in a business-like way. I understand your 'usband is in the City; shouldn't wonder if he knows some of Mr. 'Iggins's friends. Yes, I will take a cup, if you please. I've just had one at the station, but it's such thirsty weather. And what do you think of Louise? Because I'd very much rather you said plainly if you don't think you could get on.'

      'But, indeed, I fancy we could, Mrs. Higgins.'

      'Well, I'm sure I'm very glad of it. It isn't everybody can get on with Louise. I dessay she's told you a good deal about me and her stepfather. I don't think she's any reason to complain of the treatment—'

      'She said you were both very kind to her,' interposed the hostess.

      'I'm sure we try to be, and Mr. 'Iggins, he doesn't mind what he gives her. A five-pound note, if you'll believe me, is no more than a sixpence to him when he gives her presents. You see, Mrs. Rumford—no, Mumford, isn't it?—I was first married very young—scarcely eighteen, I was; and Mr. Derrick died on our wedding-day, two years after. Then came Mr. 'Iggins. Of course I waited a proper time. And one thing I can say, that no woman was ever 'appier with two 'usbands than I've been. I've two sons growing up, hearty boys as ever you saw. If it wasn't for this trouble with Louise—' She stopped to wipe her face. 'I dessay she's told you that Mr. 'Iggins, who was a widower when I met him, has a daughter of his first marriage—her poor mother died at the birth, and she's older than Louise. I don't mind telling you, Mrs. Mumford, she's close upon six-and-twenty, and nothing like so good-looking as Louise, neither. Mr. 'Iggins, he's kindness itself; but when it comes to differences between his daughter and my daughter, well, it isn't in nature he shouldn't favour his own. There's more be'ind, but I dessay you can guess, and I won't trouble you with things that don't concern you. And that's how it stands, you see.'

      By a rapid calculation Emmeline discovered; with surprise, that Mrs. Higgins could not be much more than forty years of age. It must have been a life of gross self-indulgence that had made the woman look at least ten years older. This very undesirable parentage naturally affected Emmeline's opinion of Louise, whose faults began to show in a more pronounced light. One thing was clear: but for the fact that Louise aimed at a separation from her relatives, it would be barely possible to think of receiving her. If Mrs. Higgins thought of coming down to Sutton at unexpected moments—no, that was too dreadful.

      'Should you wish, Mrs. Higgins, to entrust your daughter to me entirely?'

      'My dear Mrs. Rumford, it's very little that my wishes has to do with it! She's made up her mind to leave 'ome, and all I can do is to see she gets with respectable people, which I feel sure you are; and of course I shall have your references.'

      Emmeline turned pale at the suggestion. She all but decided that the matter must go no further.

      'And what might your terms be—inclusive?' Mrs. Higgins proceeded to inquire.

      At this moment a servant entered with tea, and Emmeline, sorely flurried, talked rapidly of the advantages of Sutton as a residence. She did not allow her visitor to put in a word till the door closed again. Then, with an air of decision, she announced her terms; they would be three guineas a week. It was half a guinea more than she and Clarence had decided to ask. She expected, she hoped, Mrs. Higgins would look grave. But nothing of the kind; Louise's mother seemed to think the suggestion very reasonable. Thereupon Emmeline added that, of course, the young lady would discharge her own laundress's bill. To this also Mrs. Higgins readily assented.

      'A hundred and sixty pounds per annum!' Emmeline kept repeating to herself. And, alas! it looked as if she might have asked much more. The reference difficulty might be minimised by naming her own married sister, who lived at Blackheath, and Clarence's most intimate friend, Mr. Tarling, who held a good position in a City house, and had a most respectable address at West Kensington. But her heart misgave her. She dreaded her husband's return home.

      The conversation was prolonged for half-an-hour. Emmeline gave her references, and in return requested the like from Mrs. Higgins. This astonished the good woman. Why, her husband was Messrs. 'Iggins of Fenchurch Street! Oh, a mere formality, Emmeline hastened to add—for Mr. Mumford's satisfaction. So Mrs. Higgins very pompously named two City firms, and negotiations, for the present, were at an end.

      Louise, summoned to the drawing-room, looked rather tired of waiting.

      'When can you have me, Mrs. Mumford?' she asked. 'I've quite made up my mind to come.'

      'I'm afraid a day or two must pass, Miss Derrick—'

      'The references, my dear,' began Mrs. Higgins.

      'Oh, nonsense! It's all right; anyone can see.'

      'There you

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