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raised on my lady’s property of Hanbury, to enable my lord, her husband, to spend money in cultivating his Scotch estates, after some new fashion that required capital. As long as my lord, her son, lived, who was to succeed to both the estates after her death, this did not signify; so she had said and felt; and she had refused to take any steps to secure the repayment of capital, or even the payment of the interest of the mortgage from the possible representatives and possessors of the Scotch estates, to the possible owner of the Hanbury property; saying it ill became her to calculate on the contingency of her son’s death.

      But he had died childless, unmarried. The heir of the Monkshaven property was an Edinburgh advocate, a far away kinsman of my lord’s: the Hanbury property, at my lady’s death, would go to the descendants of a third son of the Squire Hanbury in the days of Queen Anne.

      This complication of affairs was most grievous to Mr Horner. He had always been opposed to the mortgage; had hated the payment of the interest, as obliging my lady to practise certain economies which, though she took care to make them as personal as possible, he disliked as derogatory to the family. Poor Mr Horner! He was so cold and hard in his manner, so curt and decisive in his speech, that I don’t think we any of us did him justice. Miss Galindo was almost the first, at this time, to speak a kind word of him, or to take thought of him at all, any farther than to get out of his way when we saw him approaching.

      “I don’t think Mr Horner is well,” she said one day; about three weeks after we had heard of my lord’s death. “He sits resting his head on his hand, and hardly hears me when I speak to him.”

      But I thought no more of it, as Miss Galindo did not name it again. My lady came amongst us once more. From elderly she had become old; a little, frail, old lady, in heavy black drapery, never speaking about nor alluding to her great sorrow; quieter, gentler, paler than ever before; and her eyes dim with much weeping, never witnessed by mortal.

      She had seen Mr Gray at the expiration of the month of deep retirement. But I do not think that even to him she had said one word of her own particular individual sorrow. All mention of it seemed buried deep for evermore. One day, Mr Horner sent word that he was too much indisposed to attend to his usual business at the Hall; but he wrote down some directions and requests to Miss Galindo, saying that he would be at his office early the next morning. The next morning he was dead.

      Miss Galindo told my lady. Miss Galindo herself cried plentifully, but my lady, although very much distressed, could not cry. It seemed a physical impossibility, as if she had shed all the tears in her power. Moreover, I almost think her wonder was far greater that she herself lived than that Mr Horner died. It was almost natural that so faithful a servant should break his heart, when the family he belonged to lost their stay, their heir, and their last hope.

      Yes! Mr Horner was a faithful servant. I do not think there are many so faithful now; but perhaps that is an old woman’s fancy of mine. When his will came to be examined, it was discovered that, soon after Harry Gregson’s accident, Mr Horner had left the few thousands (three, I think,) of which he was possessed, in trust for Harry’s benefit, desiring his executors to see that the lad was well educated in certain things, for which Mr Horner had thought that he had shown especial aptitude; and there was a kind of implied apology to my lady in one sentence where he stated that Harry’s lameness would prevent his being ever able to gain his living by the exercise of any mere bodily faculties, “as had been wished by a lady whose wishes” he, the testator, “was bound to regard.”

      But there was a codicil in the will, dated since Lord Ludlow’s death – feebly written by Mr Horner himself, as if in preparation only for some more formal manner of bequest: or, perhaps, only as a mere temporary arrangement till he could see a lawyer, and have a fresh will made. In this he revoked his previous bequest to Harry Gregson. He only left two hundred pounds to Mr Gray to be used, as that gentleman thought best, for Henry Gregson’s benefit. With this one exception, he bequeathed all the rest of his savings to my lady, with a hope that they might form a nest egg, as it were, towards the paying off of the mortgage which had been such a grief to him during his life. I may not repeat all this in lawyer’s phrase; I heard it through Miss Galindo, and she might make mistakes. Though, indeed, she was very clear-headed, and soon earned the respect of Mr Smithson, my lady’s lawyer from Warwick. Mr Smithson knew Miss Galindo a little before, both personally and by reputation; but I don’t think he was prepared to find her installed as steward’s clerk, and, at first, he was inclined to treat her, in this capacity, with polite contempt. But Miss Galindo was both a lady and a spirited, sensible woman, and she could put aside her self-indulgence in eccentricity of speech and manner whenever she chose. Nay more; she was usually so talkative, that if she had not been amusing and warm-hearted, one might have thought her wearisome occasionally. But to meet Mr Smithson she came out daily in her Sunday gown; she said no more than was required in answer to his questions; her books and papers were in thorough order, and methodically kept; her statements of matters of fact accurate, and to be relied on. She was amusingly conscious of her victory over his contempt of a woman clerk and his preconceived opinion of her unpractical eccentricity.

      “Let me alone,” said she, one day when she came in to sit awhile with me. “That man is a good man – a sensible man – and I have no doubt he is a good lawyer; but he can’t fathom women yet. I make no doubt he’ll go back to Warwick, and never give credit again to those people who made him think me half-cracked to begin with. O, my dear, he did! He showed it twenty times worse than my poor dear master ever did. It was a form to be gone through to please my lady, and, for her sake, he would hear my statements and see my books. It was keeping a woman out of harm’s way, at any rate, to let her fancy herself useful. I read the man. And, I am thankful to say, he cannot read me. At least, only one side of me. When I see an end to be gained, I can behave myself accordingly. Here was a man who thought that a woman in a black silk gown was a respectable, orderly kind of person; and I was a woman in a black silk gown. He believed that a woman could not write straight lines, and required a man to tell her that two and two made four. I was not above ruling my books, and had Cocker a little more at my fingers’ ends than he had. But my greatest triumph has been holding my tongue. He would have thought nothing of my books, or my sums, or my black silk gown, if I had spoken unasked. So I have buried more sense in my bosom these ten days than ever I have uttered in the whole course of my life before. I have been so curt, so abrupt, so abominably dull, that I’ll answer for it he thinks me worthy to be a man. But I must go back to him, my dear, so goodbye to conversation and you.”

      But though Mr Smithson might be satisfied with Miss Galindo, I am afraid she was the only part of the affair with which he was content. Everything else went wrong. I could not say who told me so – but the conviction of this seemed to pervade the house. I never knew how much we had all looked up to the silent, gruff Mr Horner for decisions, until he was gone. My lady herself was a pretty good woman of business, as women of business go. Her father, seeing that she would be the heiress of the Hanbury property, had given her a training which was thought unusual in those days, and she liked to feel herself queen regnant, and to have to decide in all cases between herself and her tenantry. But, perhaps, Mr Horner would have done it more wisely; not but what she always attended to him at last. She would begin by saying, pretty clearly and promptly, what she would have done, and what she would not have done. If Mr Horner approved of it, he bowed, and set about obeying her directly; if he disapproved of it, he bowed, and lingered so long before he obeyed her, that she forced his opinion out of him with her “Well, Mr Horner! and what have you to say against it?” For she always understood his silence as well as if he had spoken. But the estate was pressed for ready money, and Mr Horner had grown gloomy and languid since the death of his wife, and even his own personal affairs were not in the order in which they had been a year or two before, for his old clerk had gradually become superannuated, or, at any rate, unable by the superfluity of his own energy and wit to supply the spirit that was wanting in Mr Horner.

      Day after day Mr Smithson seemed to grow more fidgety, more annoyed at the state of affairs. Like every one else employed by Lady Ludlow, as far as I could learn, he had an hereditary tie to the Hanbury family. As long as the Smithsons had been lawyers, they had been lawyers to the Hanburys; always coming in on all great family occasions, and better able to understand the characters, and connect the links of what had once been a large and scattered family,

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