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along with its absurd forms and abominable English towards an end which might or might not be just, but was most certainly ruinously expensive. The game began by a direct letter from the Queen, of all people, an honour which Frank had never aspired to before, and certainly never did again.

Victoria, by the grace of God, of the United Kingdom of Great Britain and Ireland, Queen, Defender of the Faith, remarked abruptly to Frank Crosse of Woking, in the county of Surrey, 'We command you that within eight days of the service of this writ on you, inclusive of the day of such service, you cause an appearance to be entered for you in an action at the suit of the Hotspur Insurance Company, Limited.' If he didn't do so, Her Majesty remarked that several very unpleasant things might occur, and Hardinge Stanley, Earl of Halsbury, corroborated Her Majesty. Maude was frightened to death when she saw the document, and felt as if unawares they must have butted up against the British Constitution, but Owen explained that it was only a little legal firework, which meant that there might be some trouble later.

'Well, at any rate,' said Frank, 'it means that in eight days it will all be over.'

Owen laughed heartily at the remark.

'It means,' said he, 'that in eight days we must promise that at some future date we will begin to make preparations for something to happen in the future. That is about the meaning of it. All you can do now is to be perfectly philosophic, and leave the rest to me.'

But how is a man with a capital of fifty pounds going to be philosophic when he is fighting an opponent whose assets, as a certain hoarding near Clapham Junction told him every morning, exceeded three millions of pounds. He treated it lightly to Maude, and she to him, but each suffered horribly, and each was well aware of the other's real feelings. Sometimes there was a lull, and they could almost believe that the whole thing was over. And then the old machine gave a creak, and the rusty cog-wheels took one more turn, and they both felt the horrid thing which held them.

First of all, they had to enter appearances, which meant that they would dispute the action. Then the other side had to make an affidavit verifying their claim. Then a Master had to pronounce whether the action should be treated offhand, or whether he would listen to what they had to say about it. He decided to listen to what was to be said. Then each side claimed to see the other's documents, 'discovery' they called it, as if the documents were concealed, and they had to hunt for them stealthily with lanterns. Then each made remarks about the other's documents, and claimed to see the remarks so made. Then the lawyers of the Company made a statement of their claim, and when she read it Maude burst into tears, and said that it was all over, and they must make the best of it, and she should never forgive herself for that new dress in the spring. And then Frank's lawyer drew up a defence, and when Frank heard it, he said, 'Why, what a silly business it seems! They have not got a leg to stand upon.' And so, after all these flourishes and prancings, the two parties did actually begin to show signs of coming to a hearing after all, and a day was fixed for the trial. By a coincidence it was Frank's birthday. 'There's a good omen!' cried Maude.

The first herald of the approaching conflict was a seedy person, who thrust a paper into Frank's hand as he emerged from The Lindens in the morning. It was another letter from Her Majesty, in which sub poena (Her Majesty has not a gracious way of putting things in these documents), Mr. Frank Crosse had 'to attend at the Royal Courts of Justice, Strand, at the sittings of the Queen's Bench Division of our High Court of Justice, to give evidence on behalf of the Hotspur Company.'

This seemed to Frank to be a most unexpected and fearsome stroke, but Owen simply laughed.

'That is mere bluff,' said he. 'It makes me think that they are weakening. They want to frighten you.'

'They did,' said Frank.

'Two can play at that game. We must keep a bold front.'

'What do you mean to do?'

'To subpoena all their crowd.'

'Capital!' cried Frank. So a clerk was sent across to the Hotspur office with a whole bundle of subpoenas, and served them liberally out. And in two days' time was the day of battle.


CHAPTER XV--A RESCUE


As the day fixed for the hearing drew near, Ruin lived with them by day and slept with them by night. Its dark shadow covered their lives, and they moved in the gloom of its presence. If the trial went against them, and Owen in his most hopeful moods did not disguise from them that it might, they would have to pay the double costs as well as the original claim. All that they possessed would not cover it. On the other hand, if they won, this rich Company might carry the matter to a higher Appeal Court, and so involve them in a fresh succession of anxieties and expenses. Do what they would, there was always danger. Frank said little, and he slept little also.

One night, just before the trial, Wingfield, the accountant of the Society, came down to Woking. He had managed the case all through for the directors. His visit was a sort of ultimatum.

'We are still ready to pay our own law-costs,' said he, 'if you will allow the original claim.'

'I can't do that,' said Frank doggedly.

'The costs are piling up at a furious rate, and some one will have to pay them.'

'I hope that it will be you.'

'Well, don't say afterwards that I did not warn you. My dear Crosse, I assure you that you are being misled, and that you have not really got a leg to stand upon.'

'That's what the trial is about,' said Frank.

He kept a bold face to the enemy, but after Wingfield's departure, Maude saw that his confidence was greatly shaken.

'He seemed very sure of their case,' said he. 'He would not speak like that if he did not know.'

But Maude took quite another view.

'If they know that they can recover their money in court, why should they send Mr. Wingfield down in this way.'

'He is such a good chap--he wants to save us expense.'

Maude was less trusting.

'He is doing the best for his own side,' said she. 'It is his duty, and we can't blame him. But if he thought it best to get behind his own lawyers and come down here, then he must have some doubts about going into court. Perhaps he would be willing to consider some compromise.'

But Frank only shook his head.

'We have drawn the cork, and we must drink the wine,' said he. 'We have gone too far to stop. Any compromise which they would accept would be as much out of our power to pay as the whole sum would be, and so we may just as well see it through.' But for once Maude did not take his opinion as final, but lay awake all night and thought it over. She had determined to begin acting upon her own account, and she was so eager to try what she could do that she lay longing for the morning to break. When she came down to breakfast, her plan of campaign was formed.

'I am coming up to town with you, Frank.'

'Delighted to hear it, dear.' When she had shopping to do, she frequently went up with him, so it did not surprise him. What would have surprised him was to know that she had despatched three telegrams, by means of Jemima, before he was up.

'To John Selby, 53 Fenchurch Street, E.C. Will call eleven o'clock. Important business. - MAUDE.'

'To Lieutenant Selby, the Depot, Canterbury. Please come up next train, meet me Fenchurch Street, eleven thirty. Important. - MAUDE.'

'To Owen, 14 Shirley Lane, E.C. Will call twelve o'clock. Important.--MRS. CROSSE.'

So she had opened her campaign.

'By the way, Frank,' said she, as they travelled up together, 'to- morrow is your birthday.'

'Yes, dear, it is,' he answered lugubriously.

'Dear me! What shall I give my boy for a birthday present? Nothing you particularly want?'

'I have all I want,' said he, looking at her.

'Oh, but I think I could find something. I must look round when I am in town.'

She began her looking round by a visit to her father in Fenchurch Street. It was something new for him to get telegrams from Maude upon business, and he was very much surprised.

'Looking remarkably well, my dear. Your appearance is a certificate of character to your husband. Well, and how is all at Woking? I hope the second cook proved to be a success.'

But Maude was not there for small talk. 'Dear dad,' said she, 'I want you to stand by me, for I am in trouble. Now, my dear good dad, please see things from my point of view, and don't make objections, and do exactly what I ask you.' She threw her arms round his neck and gave him a hearty squeeze.

'Now I call that exerting undue pressure,' said he, extricating his white head. 'If this sort of thing is allowed in the city of London, there is an end of all business.' However, his eyes twinkled and looked as if he liked it. 'Now madame, what can I do for you?'

'I'm going to be perfectly business-like,' said she, and gave him another squeeze before sitting down. 'Look here, dad. You give me an income of fifty pounds a year, don't you?'

'My dear girl, I can't raise it. Jack's expenses in the Hussars--'

'I don't want you to raise it.'

'What do you want?'

'I seem to remember, dad, that you told me that this fifty pounds was the interest on a thousand pounds which was invested for me.'

'So it is--five per cent. debentures.'

'Well, dad, if I were content with an income of twenty-five pounds a year instead of fifty pounds, then I could take five hundred pounds out of my money, and nobody would be the worse.'

'Except yourself.'

Maude laughed at that.

'I want the use of the money just for one day. I certainly won't need it all. I just want to feel that I have as much as that in case I need it. Now, my dear old daddy, do please not ask any questions, but be very nice and good, and tell me how I can get these five hundred pounds.'

'And you won't tell me why you want them?'

'I had rather not--but I will if you insist.'

Old Selby looked into the brave, clear eyes of his daughter, and he
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