no redress."
"Poor Mr. Boyd!" said Lady Wharton, with twinkling eyes "How very sad! Shall I lend you a five pound note?"
"I should be very grateful, my lady."
She burst into a merry laugh. "Singular creature! Shall we proceed to business?"
"Yes, my lady. Time is money. You will be comfortable in this chair."
A strange contrast did they present as they sat on opposite sides of the table, the crafty, cringing face of the man looking into the cheery, good-humoured face of the lady.
"Now, Mr. Boyd, I am going to be quite frank with you." She placed her satchel on the table, and took some papers from it. "My husband owes you a large sum of money. Look over these figures and tell me if they are correct."
"Quite correct, my lady, but calculated only up to the last day of February, which was yesterday. One day's interest has to be added if you are prepared to pay to-night. Strictly speaking, it is two days' interest, it being now past the hour of business."
"Of course you know I am not prepared to pay to-night, and of course you know that I have come in the place of my husband because in matters of business he is a mere child."
"I have not found him so, my lady," said Samuel Boyd. "In my experience of his lordship I have seen nothing in him to cause me to think he is weak-minded. He came to me to borrow money, and I lent it to him on bills signed in his name. It was a risk, and I took it."
"Very well, Mr. Boyd," said Lady Wharton, cheerfully. "We have not met to contradict each other, or to raise up difficulties, but to come to such an arrangement as may be agreeable to you."
"If your ladyship pleases," said Mr. Boyd.
"At the same time," she continued, "I wish to state how far my understanding went, when, Lord Wharton being ill in bed, I opened up a correspondence with you. I am very fond of my husband, Mr. Boyd."
"His lordship is to be envied."
"Indeed I think he is," said Lady Wharton, with a little laugh, "and I am to be envied, too, for having a husband so amiably inclined. But he is altogether too easy and careless in money matters; when he wishes for a thing, he will promise anything, consent to anything, sign anything, so long as he gets it. He is really like a child in these matters, and having made up my mind that he was not to be worried, I opened a letter which you wrote to him, and I replied to it. Now, Mr. Boyd, it was from that letter that I learned, for the first time, that Lord Wharton was in your debt."
"Indeed, my lady."
"Yes, indeed. I was not astonished. Nothing that Lord Wharton does astonishes me. He can get through a great deal of money. So can I. He is extravagant. So am I. What are you to do, Mr. Boyd, when you have been brought up to it?"
"Nothing but spend," said Samuel Boyd.
"You are a man of sense. We can do nothing but spend-and between you and me, Mr. Boyd" – here she laughed long and heartily-"we do spend. Why not, when we can afford it?"
"Why not, indeed?" murmured Mr. Boyd, in ready acquiescence.
"But rich as people may be they are sometimes in need of ready money, and that, I suppose, is where gentlemen of your profession come in. Having now, in a manner of speaking, cleared the ground, we can go on easily. There are bills coming due."
"There are, my lady."
"I asked you in a letter what they amounted to; you answered, twelve thousand pounds. Now, Mr. Boyd, I should not like you to think that I want to take advantage of you."
"Thank you, my lady. I have been taken in so often that I am almost beginning to despair of human nature."
"Don't, Mr. Boyd, don't. There is a great deal of good in human nature, and we can get a lot of fun out of life if we set about it the right way. I have consulted another person in this business, and he has advised me. My brother, Lord Fairfax. You have heard of him, perhaps. Yes? I thought you must; he is almost a celebrity, with his indolent and easy ways. It is in our blood; we object to be troubled. All we ask is that the world should go round as usual, and that our little wishes should be gratified. Lord Fairfax suggested that I should put the business into the hands of a lawyer." Mr. Boyd, with a scarcely perceptible motion, lifted his eyebrows. "I said, no. We have a rooted objection to lawyers in our family; they make your head ache. 'Quite right,' said Lord Fairfax. 'Have nothing to do with lawyers.' He never disputes, Mr. Boyd. The moment you say a thing he agrees to it. Then he said, 'Find out how much it amounts to.' I wrote to you, and you told me. You also sent me some bills, for the purpose of doing away with the old obligations, and putting the whole of the business on a new footing. These bills were to be accepted by Lord Wharton, and you strongly urged me to get another responsible name at the back of them. Lord Wharton signed the bills when I put them before him. The dear man hardly as much as looked at them. Then I went to Lord Fairfax, and he put his name on the back. He hardly as much as looked at them. And to cut a long matter short, Mr. Boyd, I have brought them with me."
She took them from her satchel, and handed them to Mr. Boyd, who examined them carefully, and jotted down figures on a piece of paper. Satisfactory as the transaction was to him no sign of satisfaction escaped him.
"Are they in order, Mr. Boyd?"
"Yes, they appear to be in order. I am making a great sacrifice for you, my lady."
"We are under a great obligation to you. And now, Mr. Boyd, for a little piece of business on my own account. I want a thousand pounds for my private purse."
"A thousand pounds, my lady, a thousand pounds!" murmured Mr. Boyd.
"I will not worry Lord Wharton with my dressmaker's bill, and she has begged me to let her have something on account. There are also one or two other little bills I wish to pay. Don't be alarmed; I am going to give you security. I have been looking through my jewellery, and I found some things that have gone out of fashion. I will not sell them, but I am willing to deposit them with you. Here they are. Oblige me by looking over them. Some of the cases would not go into my satchel, so I took them all out, and wrapped them in paper. I hope you won't mind."
"Not at all, my lady," said Mr. Boyd, opening the papers, which contained jewels of various kinds, bracelets, necklaces, ear-rings, brooches, and other gewgaws. Many of the precious stones were in old settings, and he saw at a glance that they were worth considerably more than the thousand pounds which this reckless lady of fashion wished to raise upon them. Among them were two ornaments of conspicuous beauty-a pearl necklace, and a device for the hair in the shape of a peacock's tail.
"I am reposing a great confidence in you," said Lady Wharton. "The pearl necklace and the peacock's tail were presents from my father-they cost a great price, I believe-and I would not part with them for any consideration. In a few months I shall-shall-what is the word for it? Oh, yes, redeem them."
"You don't want the thousand pounds immediately, my lady?" said Mr. Boyd.
"My good man, I want it now, this minute."
"Impossible, my lady. I could not get it together in less than five or six days. If that will suit you-"
Lady Wharton beat an impatient tattoo on the table with the tips of her fingers. "Are you sure you could not get it earlier?"
"Quite sure, my lady."
"It must suit me, then, but it is really very provoking. Lord Wharton is ordered into the
