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      "I was afraid that that would be your answer," he said gravely. "And yet I was not disposed to let the chance of happiness go without at least knowing that it was so. I can quite understand that you do not even feel that I am really in earnest. So small did I feel my chances were, that I should have waited for a time before I risked almost certain refusal, had it not been that you are on the point of going abroad for two years. And two years is a long time to wait when one feels that one's chance is very small at the end of that time. Well, it is of no use saying anything more about it. I may as well say good-bye at once, for I shall pack up and go. Good-bye, dear; I hope that you are wrong, and that some day you will make some man worthy of you happy, but when the time comes remember that I prophesy that he will not in the slightest degree resemble the man you picture to yourself now. I think that the saying that extremes meet is truer than those that assert that like meets like; but whoever he is I hope that he will be someone who will make you as happy as I should have tried to do."

      "Good-bye, Cuthbert," she said, frankly, "I think this has all been very silly, and I hope that by the time we meet again you will have forgotten all about it."

      There was something in his face, as she looked up into it, that told her what she had before doubted somewhat, that he had been really in earnest for once in his life, and she added, "I do hope we shall be quite good friends when we meet again, and that you will then see I am quite right about this."

      He smiled, gave her a little nod, and then dropping her hand sauntered into the house.

      "It is the most foolish thing I have ever heard of," she said to herself, pettishly, as she looked after him. "I can't think how such an idea ever occurred to him. He must have known that even if I had not determined as I have done to devote myself to our cause, he was the last sort of man I should ever have thought of marrying. Of course he is nice and I always thought so, but what is niceness when he has no aims, no ambitions in life, and he is content to waste it as he is doing."

      Five minutes later Anna Treadwyn joined her in the garden.

      "So I was right after all, Mary?"

      "How do you know, do you mean to say that he has told you?"

      "Not exactly, but one can use one's eyes, I suppose. He said nothing last night about going away, and now he is leaving by this afternoon's coach; besides, although he laughed and talked as usual one could see with half an eye that it was forced. So you have actually refused him?"

      "Of course I have, how can you ask such a question? It was the most perfectly absurd idea I ever heard of."

      "Well, I hope that you will never be sorry for it, Mary."

      "There is not much fear of that," Mary said, with a toss of her head, "and let me say that it is not very polite, either of you or him, to think that I should be ready to give up all my plans in life, the first time I am asked, and that by a gentleman who has not the slightest sympathy with them. It is a very silly and tiresome affair altogether, and I do hope I shall never hear anything of it again."

      CHAPTER III

      Cuthbert Hartington had been back in town but two days when he received a letter from Mr. Brander apprising him of the sudden death of his father. It was a terrible shock, for he had no idea whatever that Mr. Hartington was in any way out of health. Cuthbert had written only the day before to say that he should be down at the end of the week, for indeed he felt unable to settle down to his ordinary course of life in London. He at once sent off a telegram ordering the carriage to meet him by the evening train, and also one to Mr. Brander begging him to be at the house if possible when he arrived.

      Upon hearing from the lawyer that his father had been aware that he might be carried off at any moment by heart disease, but that he had strictly forbidden the doctor and himself writing to him, or informing anyone of the circumstances, he said—

      "It is just like my father, but I do wish it had not been so. I might have been down with him for the last three months of his life."

      "The Squire went on just in his usual way, Cuthbert. I am sure that he preferred it so. He shrunk, as he said, from knowing that people he met were aware that his days were numbered, and even with me after our first conversation on the subject, he made no allusion whatever to it. He was as cheery and bright as ever, and when I last met him a week ago, even I who knew the circumstances, could see no difference whatever in his manner. I thought he was wrong, at first, but I came to the conclusion afterwards that his decision was not an unwise one. He spared you three months of unavailing pain; he had no fear of death, and was able to go about as before to meet his friends without his health being a subject of discussion, and in all ways to go on as usual until the call came. His death was evidently painless; he sat down in his easy arm-chair after lunch for his usual half-hour's nap, and evidently expired in his sleep. The servant found him, as he believed, still asleep when he came in to tell him that the carriage was at the door, and it was only on touching him he discovered what had happened. They sent the carriage off at once to fetch Dr. Edwards. He looked in at my office and took me over with him, and I got back in time to write to you."

      The shock that the Squire's sudden death caused in Abchester, was, a fortnight later, obliterated by the still greater sensation caused by the news that the bank had put up its shutters. The dismay excited thereby was heightened when it became known that the manager had disappeared, and reports got about that the losses of the bank had been enormous. The first investigation into its affairs more than confirmed the worst rumors. For years it had been engaged in propping up the firm not only of Mildrake and Co., which had failed to meet its engagements on the day preceding the announcement of the bank's failure, but of three others which had broken down immediately afterwards. In all of these firms Mr. Cumming was found to have had a large interest.

      On the day after the announcement of the failure of the bank, Mr. Brander drove up to Fairclose. He looked excited and anxious when he went into the room where Cuthbert was sitting, listlessly, with a book before him.

      "I have a piece of very bad news to tell you, Mr. Hartington," he said.

      "Indeed?" Cuthbert said, without any very great interest in his voice.

      "Yes; I daresay you heard yesterday of the failure of the bank?"

      "Dr. Edwards looked in here as he was driving past to tell me of it. Had we any money in it?"

      "I wish that was all, it is much worse than that, sir. Your father was a shareholder in the bank."

      "He never mentioned it to me," Cuthbert said, his air of indifference still unchanged.

      "He only bought shares a comparatively short time ago, I think it was after you were here the last time. There were some vague rumors afloat as to the credit of the bank, and your father, who did not believe them, took a few shares as a proof of his confidence in it, thinking, he said, that the fact that he did so might allay any feeling of uneasiness."

      "I wonder that you allowed him to invest in bank shares, Mr. Brander."

      "Of course I should not have done so if I had had the slightest idea that the bank was in difficulties, but I was in no way behind the scenes. I transacted their legal business for them in the way of drawing up mortgages, investigating titles, and seeing to the purchase and sales of property here in the county; beyond that I knew nothing of their affairs. I was not consulted at all in the matter. Your father simply said to me, 'I see that the shares in the bank have dropped a little, and I hear there are some foolish reports as to its credit; I think as a county gentleman I ought to support the County Bank, and I wish you to buy say fifty shares for me.'"

      "That was just like my father," Cuthbert said, admiringly, "he always thought a great deal of his county, and I can quite understand his acting as he did. Well, they were ten pound shares, I think, so it is only five hundred gone at the worst."

      "I am afraid you don't understand the case," Mr. Brander said, gravely; "each and every shareholder is responsible for the debts of the bank to the full extent of his property, and although I earnestly hope that only the bank's capital has been lost, I can't disguise from you that in the event of there being a heavy deficiency it will mean ruin to several of the shareholders."

      "That is bad, indeed," Cuthbert said, thoroughly

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