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waited, in vain, till nine; ten; eleven o'clock. The messenger then came back, informing us that Prank was still abroad. I was obliged to dismiss the hope of a conference this night, and returned in an anxious and melancholy mood to Mrs. Fielder's.

      On my way, while ruminating on these events, I began to fear that I had exerted an unjustifiable degree of caution. I knew that those who embark in pecuniary schemes are often reduced to temporary straits and difficulties; that ruin and prosperity frequently hang on the decision of the moment; that a gap may be filled up by a small effort seasonably made, which, if neglected, rapidly widens and irrevocably swallows up the ill-fated adventurer.

      It was possible that all my brother had said was literally true; that he merited my confidence in this instance, and that the supply he demanded would save both him and my father from the ruin that impended over them. The more I pondered on the subject, the more dissatisfied I became with my own scruples. In this state of mind I reached home. The servant, while opening the door, expressed her surprise at my staying out so late, telling me that my brother had been waiting my return for several hours, with marks of the utmost impatience. I shuddered at this intelligence, though just before I had almost formed the resolution of going to his house and offering him the money he wanted.

      I found him in my apartment. "Good God!" cried he; "where have you been till this time of night?"

      I told him frankly where I had been, and what had detained me. He was thunder-struck. Instead of that storm of rage and invective which I expected, he grew pale with consternation, and said, in a faint voice,–

      "Jane, you have ruined me beyond redemption. Fatal, fatal rashness! It was enough to have refused me a loan which, though useless to you, is as indispensable to my existence as my heart's blood. Had you quietly lent me the trifling pittance I asked, all might yet have been well,–my father's peace have been saved and my own affairs been completely re-established."

      All arrogance and indignation were now laid aside. His tone and looks betokened the deepest distress. All the firmness, reluctance, and wariness of my temper vanished in a moment. My heart was seized with an agony of compunction. I came close to him, and, taking his hand involuntarily, said, "Dear brother, forgive me."

      Strange what influence calamity possesses in softening the character! He made no answer, but, putting his arms around me, pressed me to his breast, while tears stole down his cheek.

      Now was I thoroughly subdued. I am quite an April girl, thou knowest, Harry, and the most opposite emotions fill, with equal certainty, my eyes. I could scarcely articulate, "Oh, my dear brother, forgive me. Take what you ask. If it can be of any service to you, take all I have."

      "But how shall I see my father? Infinite pains have I taken to conceal from him a storm which I thought could be easily averted, which his knowledge of it would only render more difficult to resist; but my cursed folly, by saying more than I intended to you, has blasted my designs."

      I again expressed my regret for the rashness of my conduct, and entreated him to think better of my father than to imagine him invincible to argument. I promised to go to him in the morning, and counteract, as much as I could, the effects of my evening conversation. At length he departed, with somewhat renovated spirits, and left me to muse upon the strange events of this day.

      I could not free myself from the secret apprehension of having done mischief rather than good by my compliance. I had acted without consulting my mother, in a case where my youth and inexperience stood in the utmost need of advice. On the most trivial occasions I had hitherto held it a sacred duty to make her the arbitress and judge of my whole conduct; and now shame for my own precipitance and regard for my brother's feelings seemed to join in forbidding me to disclose what had passed. A most restless and unquiet night did I pass.

      Next morning was I to go to my father, to repair as much as possible the breach I had thoughtlessly made in his happiness. I knew not what means to employ for this purpose. What could I say? I was far from being satisfied, myself, with my brother's representations. I hoped, but had very little confidence that any thing in my power to do would be of permanent advantage.

      These doubts did not make me defer my visit. I was greatly surprised to find my father as cheerful and serene as usual, which he quickly accounted for by telling me that he had just had a long conversation with Frank, who had convinced him that there was no ground for the terrors I had inspired him with the night before. He could not forbear a little acrimony on the impropriety of my interference, and I tacitly acquiesced in the censure. I found that he knew nothing of the sum I had lent, and I thought not proper to mention it.

      That day, notwithstanding his promises of payment, passed away without hearing from my brother. I had never laid any stress upon the promise, but drew a bad omen from this failure.

      A few days elapsed without any material incident. The next occasion on which my brother was introduced into conversation with Mrs. Fielder took place one evening after my friend had returned from spending the day abroad. After a pause, in which there was more significance than usual,–"Pray, have you seen Frank lately?"

      I made some vague answer.

      "He has been talked about this afternoon, very little, as usual, to his advantage."

      I trembled from head to foot.

      "I fear," continued she, "he is going to ruin, and will drag your father down the same precipice."

      "Dearest madam! what new circumstance?"

      "Nothing very new. It seems Mr. Frazer–his wife told the story–sold him, a twelvemonth ago, a curricle and pair of horses. Part of the money, after some delay, was paid. The rest was dunned for unavailingly a long time. At length curricle and horses scoured the roads under the management of Monsieur Petitgrave, brother to Frank's housekeeper, the handsome mustec. This gave Frazer uneasiness, and some importunity extorted from Frank a note, which, being due last Tuesday, was, at Frank's importunity, withdrawn from bank to prevent protest. Next day, however, it was paid."

      I ventured to ask if Mrs. Frazer had mentioned any sum. "Yes; a round sum,–five hundred dollars."

      Fortunately the dark prevented my mother from perceiving my confusion. It was Tuesday evening on which I had lent the money to Frank. He had given me reason to believe that his embarrassments arose from his cotton-weaving scheme, and that the sum demanded from me was to pay the wages of craving but worthy labourers.

      While in the first tumult of these reflections, some one brought a letter. It was from my brother. This was the tenor:–

      "I fear, Jane, I have gained but little credit with you for punctuality. I ought to have fulfilled my promise, you will say. I will not excuse my breach of it by saying (though I might say so, perhaps, with truth) that you have no use for the money; that I have pressing use for it, and that a small delay, without being of any importance to you, will be particularly convenient to me. No; the true and all-sufficient reason why I did not return the money was–because I had it not. To convince you that I am really in need, I enclose you a check for another five hundred, which you'll much oblige me by signing. I can repay you both sums together by Saturday,–if you needs must have it so soon. The bearer waits."

      In any state of my thoughts, there was little likelihood of my complying with a request made in these terms. With my present feelings, it was difficult to forbear returning an angry and reproachful answer. I sent him back these lines:–

      "I am thoroughly convinced that it is not in my power to afford you any effectual aid in your present difficulties. It will be very easy to injure myself. The request you make can have no other tendency. I must therefore decline complying."

      The facility with which I had yielded up my first resolutions probably encouraged him to this second application, and I formed very solemn resolutions not to be seduced a second time.

      In a few minutes after despatching my answer, he appeared. I need not repeat our conversation. He extorted from me, without much difficulty, what I had heard through my mother, and–methinks I am ashamed to confess it–by exchanging his boisterous airs for pathetic ones, by appealing to my sisterly affection and calling me his angel and saviour, and especially by solemnly affirming that Frazer's story was a calumny, I at length did as he would have me: yet

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