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this moment, I shouldn't admit that he had claim upon me for one penny."

      "It was because I understood it already that I called you a scoundrel."

      "Now be careful, my lad," exclaimed Dengate, as again he winced under the epithet. "My temper may get the better of me, and I should be sorry for it. I got into this carriage with you (of course I had a first-class ticket) because I wanted to form an opinion of your character. I've been told you drink, and I see that you do, and I'm sorry for it. You'll be losing your place before long, and you'll go down. Now look here; you've called me foul names, and you've done your best to rile me. Now I'm going to make you ashamed of yourself."

      Hilliard fixed the speaker with his scornful eyes; the last words had moved him to curiosity.

      "I can excuse a good deal in a man with an empty pocket," pursued the other. "I've been there myself; I know how it makes you feel—how much do you earn, by the bye?"

      "Mind you own business."

      "All right. I suppose it's about two pounds a week. Would you like to know what my in come is? Well, something like two pounds an hour, reckoning eight hours as the working day. There's a difference, isn't there? It comes of minding my business, you see. You'll never make anything like it; you find it easier to abuse people who work than to work yourself. Now if you go down to Liverpool, and ask how I got to my present position, you'll find it's the result of hard and honest work. Understand that: honest work."

      "And forgetting to pay your debts," threw in the young man.

      "It's eight years since I owed any man a penny. The people I did owe money to were sensible men of business—all except your father, and he never could see things in the right light. I went through the bankruptcy court, and I made arrangements that satisfied my creditors. I should have satisfied your father too, only he died."

      "You paid tuppence ha'penny in the pound."

      "No, it was five shillings, and my creditors—sensible men of business—were satisfied. Now look here. I owed your father four hundred and thirty-six pounds, but he didn't rank as an ordinary creditor, and if I had paid him after my bankruptcy it would have been just because I felt a respect for him—not because he had any legal claim. I meant to pay him—understand that."

      Hilliard smiled. Just then a block signal caused the train to slacken speed. Darkness had fallen, and lights glimmered from some cottages by the line.

      "You don't believe me," added Dengate.

      "I don't."

      The prosperous man bit his lower lip, and sat gazing at the lamp in the carriage. The train came to a standstill; there was no sound but the throbbing of the engine.

      "Well, listen to me," Dengate resumed. "You're turning out badly, and any money you get you're pretty sure to make a bad use of. But"—he assumed an air of great solemnity—"all the same—now listen–"

      "I'm listening."

      "Just to show you the kind of a man I am, and to make you feel ashamed of yourself, I'm going to pay you the money."

      For a few seconds there was unbroken stillness. The men gazed at each other, Dengate superbly triumphant, Hilliard incredulous but betraying excitement.

      "I'm going to pay you four hundred and thirty-six pounds," Dengate repeated. "No less and no more. It isn't a legal debt, so I shall pay no interest. But go with me when we get to Birmingham, and you shall have my cheque for four hundred and thirty-six pounds."

      The train began to move on. Hilliard had uncrossed his legs, and sat bending forward, his eyes on vacancy.

      "Does that alter your opinion of me?" asked the other.

      "I sha'n't believe it till I have cashed the cheque."

      "You're one of those young fellows who think so much of themselves they've no good opinion to spare for anyone else. And what's more, I've still half a mind to give you a good thrashing before I give you the cheque. There's just about time, and I shouldn't wonder if it did you good. You want some of the conceit taken out of you, my lad."

      Hilliard seemed not to hear this. Again he fixed his eyes on the other's countenance.

      "Do you say you are going to pay me four hundred pounds?" he asked slowly.

      "Four hundred and thirty-six. You'll go to the devil with it, but that's no business of mine."

      "There's just one thing I must tell you. If this is a joke, keep out of my way after you've played it out, that's all."

      "It isn't a joke. And one thing I have to tell you. I reserve to myself the right of thrashing you, if I feel in the humour for it."

      Hilliard gave a laugh, then threw himself back into the corner, and did not speak again until the train pulled up at New Street station.

      CHAPTER II

      An hour later he was at Old Square, waiting for the tram to Aston. Huge steam-driven vehicles came and went, whirling about the open space with monitory bell-clang. Amid a press of homeward-going workfolk, Hilliard clambered to a place on the top and lit his pipe. He did not look the same man who had waited gloomily at Dudley Port; his eyes gleamed with life; answering a remark addressed to him by a neighbour on the car, he spoke jovially.

      No rain was falling, but the streets shone wet and muddy under lurid lamp-lights. Just above the house-tops appeared the full moon, a reddish disk, blurred athwart floating vapour. The car drove northward, speedily passing from the region of main streets and great edifices into a squalid district of factories and workshops and crowded by-ways. At Aston Church the young man alighted, and walked rapidly for five minutes, till he reached a row of small modern houses. Socially they represented a step or two upwards in the gradation which, at Birmingham, begins with the numbered court and culminates in the mansions of Edgbaston.

      He knocked at a door, and was answered by a girl, who nodded recognition.

      "Mrs. Hilliard in? Just tell her I'm here."

      There was a natural abruptness in his voice, but it had a kindly note, and a pleasant smile accompanied it. After a brief delay he received permission to go upstairs, where the door of a sitting-room stood open. Within was a young woman, slight, pale, and pretty, who showed something of embarrassment, though her face made him welcome.

      "I expected you sooner."

      "Business kept me back. Well, little girl?"

      The table was spread for tea, and at one end of it, on a high chair, sat a child of four years old. Hilliard kissed her, and stroked her curly hair, and talked with playful affection. This little girl was his niece, the child of his elder brother, who had died three years ago. The poorly furnished room and her own attire proved that Mrs. Hilliard had but narrow resources in her widowhood. Nor did she appear a woman of much courage; tears had thinned her cheeks, and her delicate hands had suffered noticeably from unwonted household work.

      Hilliard remarked something unusual in her behaviour this evening. She was restless, and kept regarding him askance, as if in apprehension. A letter from her, in which she merely said she wished to speak to him, had summoned him hither from Dudley. As a rule, they saw each other but once a month.

      "No bad news, I hope!" he remarked aside to her, as he took his place at the table.

      "Oh, no. I'll tell you afterwards."

      Very soon after the meal Mrs. Hilliard took the child away and put her to bed. During her absence the visitor sat brooding, a peculiar half-smile on his face. She came back, drew a chair up to the fire, but did not sit down.

      "Well, what is it?" asked her brother-in-law, much as he might have spoken to the little girl.

      "I have something very serious to talk about, Maurice."

      "Have you? All right; go ahead."

      "I—I am so very much afraid I shall offend you."

      The young man laughed.

      "Not very likely. I can take a good deal from you."

      She stood with her hands on the back of the chair, and as he looked at her, Hilliard

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