LITMIR.BIZ

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and would go over to the enemy before the month was over, unless she brought the carriage in the meantime. I don't advise you to do so. You haven't got standing enough in the place yet, and perhaps she could put you down."

      "But it makes no difference to me how she comes."

      "None in the least, my dear, or to me either. I should be glad to see her even in a wheelbarrow for my part. But you mustn't suppose that she ever comes to me. Lord bless you! no. She found me out to be past all grace ever so many years ago."

      "Mrs. Stumfold thinks that Aunt Sally is the old gentleman himself," said the elder of the girls.

      "Ha, ha, ha," laughed the aunt. "You see, Miss Mackenzie, we run very much into parties here, as they do in most places of this kind, and if you mean to go thoroughly in with the Stumfold party you must tell me so, candidly, and there won't be any bones broken between us. I shan't like you the less for saying so: only in that case it won't be any use our trying to see much of each other."

      Miss Mackenzie was somewhat frightened, and hardly knew what answer to make. She was very anxious to have it understood that she was not, as yet, in bond under Mrs. Stumfold—that it was still a matter of choice to herself whether she would be a saint or a sinner; and she would have been so glad to hint to her neighbour that she would like to try the sinner's line, if it were only for a month or two; only Miss Todd frightened her! And when the girl told her that Miss Todd was regarded, ex parte Stumfold, as being the old gentleman himself, Miss Mackenzie again thought for an instant that there would be safety in giving way to the evangelico-ecclesiastical influence, and that perhaps life might be pleasant enough to her if she could be allowed to go about in couples with that soft Miss Baker.

      "As you have been so good as to call," said Miss Mackenzie, "I hope you will allow me to return your visit."

      "Oh, dear, yes—shall be quite delighted to see you. You can't hurt me, you know. The question is, whether I shan't ruin you. Not that I and Mr. Stumfold ain't great cronies. He and I meet about on neutral ground, and are the best friends in the world. He knows I'm a lost sheep—a gone 'coon, as the Americans say—so he pokes his fun at me, and we're as jolly as sandboys. But St. Stumfolda is made of sterner metal, and will not put up with any such female levity. If she pokes her fun at any sinners, it is at gentlemen sinners; and grim work it must be for them, I should think. Poor Mary Baker! the best creature in the world. I'm afraid she has a bad time of it. But then, you know, perhaps that is the sort of thing you like."

      "You see I know so very little of Mrs. Stumfold," said Miss Mackenzie.

      "That's a misfortune will soon be cured if you let her have her own way. You ask Mary Baker else. But I don't mean to be saying anything bad behind anybody's back; I don't indeed. I have no doubt these people are very good in their way; only their ways are not my ways; and one doesn't like to be told so often that one's own way is broad, and that it leads—you know where. Come, Patty, let us be going. When you've made up your mind, Miss Mackenzie, just you tell me. If you say, 'Miss Todd, I think you're too wicked for me,' I shall understand it. I shan't be in the least offended. But if my way isn't—isn't too broad, you know, I shall be very happy to see you."

      Hereupon Miss Mackenzie plucked up courage and asked a question.

      "Do you ever go to the assembly rooms, Miss Todd?"

      Miss Todd almost whistled before she gave her answer. "Why, Miss Mackenzie, that's where they dance and play cards, and where the girls flirt and the young men make fools of themselves. I don't go there very often myself, because I don't care about flirting, and I'm too old for dancing. As for cards, I get plenty of them at home. I think I did put down my name and paid something when I first came here, but that's ever so many years ago. I don't go to the assembly rooms now."

      As soon as Miss Todd was gone, Miss Mackenzie went to work to reflect seriously upon all she had just heard. Of course, there could be no longer any question of her going to the assembly rooms. Even Miss Todd, wicked as she was, did not go there. But should she, or should she not, return Miss Todd's visit? If she did she would be thereby committing herself to what Miss Todd had profanely called the broad way. In such case any advance in the Stumfold direction would be forbidden to her. But if she did not call on Miss Todd, then she would have plainly declared that she intended to be such another disciple as Miss Baker, and from that decision there would be no recall. On this subject she must make up her mind, and in doing so she laboured with all her power. As to any charge of incivility which might attach to her for not returning the visit of a lady who had been so civil to her, of that she thought nothing. Miss Todd had herself declared that she would not be in the least offended. But she liked this new acquaintance. In owning all the truth about Miss Mackenzie, I must confess that her mind hankered after the things of this world. She thought that if she could only establish herself as Miss Todd was established, she would care nothing for the Stumfolds, male or female.

      But how was she to do this? An establishment in the Stumfold direction might be easier.

      In the course of the next week two affairs of moment occurred to Miss Mackenzie. On the Wednesday morning she received from London a letter of business which caused her considerable anxiety, and on the Thursday afternoon a note was brought to her from Mrs. Stumfold—or rather an envelope containing a card on which was printed an invitation to drink tea with that lady on that day week. This invitation she accepted without much doubt. She would go and see Mrs. Stumfold in her house, and would then be better able to decide whether the mode of life practised by the Stumfold party would be to her taste. So she wrote a reply, and sent it by her maid-servant, greatly doubting whether she was not wrong in writing her answer on common note-paper, and whether she also should not have supplied herself with some form or card for the occasion.

      The letter of business was from her brother Tom, and contained an application for the loan of some money—for the loan, indeed, of a good deal of money. But the loan was to be made not to him but to the firm of Rubb and Mackenzie, and was not to be a simple lending of money on the faith of that firm, for purposes of speculation or ordinary business. It was to be expended in the purchase of the premises in the New Road, and Miss Mackenzie was to have a mortgage on them, and was to receive five per cent for the money which she should advance. The letter was long, and though it was manifest even to Miss Mackenzie that he had written the first page with much hesitation, he had waxed strong as he had gone on, and had really made out a good case. "You are to understand," he said, "that this is, of course, to be done through your own lawyer, who will not allow you to make the loan unless he is satisfied with the security. Our landlords are compelled to sell the premises, and unless we purchase them ourselves, we shall in all probability be turned out, as we have only a year or two more under our present lease. You could purchase the whole thing yourself, but in that case you would not be sure of the same interest for your money." He then went on to say that Samuel Rubb, junior, the son of old Rubb, should run down to Littlebath in the course of next week, in order that the whole thing might be made clear to her. Samuel Rubb was not the partner whose name was included in the designation of the firm, but was a young man—"a comparatively young man,"—as her brother explained, who had lately been admitted to a share in the business.

      This letter put Miss Mackenzie into a twitter. Like all other single ladies, she was very nervous about her money. She was quite alive to the beauty of a high rate of interest, but did not quite understand that high interest and impaired security should go hand in hand together. She wished to oblige her brother, and was aware that she had money as to which her lawyers were looking out for an investment. Even this had made her unhappy, as she was not quite sure whether her lawyers would not spend the money. She knew that lone women were terribly robbed sometimes, and had almost resolved upon insisting that the money should be put into the Three per Cents. But she had gone to work with figures, and having ascertained that by doing so twenty-five pounds a year would be docked off from her computed income, she had given no such order. She now again went to work with her figures, and found that if the loan were accomplished it would add twenty-five pounds a year to her computed income. Mortgages, she knew, were good things, strong and firm, based upon landed security, and very respectable. So she wrote to her lawyers, saying that she would be glad to oblige her brother if there were nothing amiss. Her lawyers wrote back, advising her to refer

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