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of her daughters was constantly calling Mrs. Millar's cap to order and setting it right. She was sitting in an arm-chair, opposite her husband. Mechanically she put one daintily slippered, very neat foot, considering the weight it helped to carry, beyond her skirts, and stretched it towards the fire. There was still a good fire blazing in the steel grate, though the spring was well advanced, the weather was not more than chilly, and the hour was late. It was as if coals were not a marketable commodity and a serious item in the expenses of an embarrassed household. She held up a Japanese fan between her face and the fire, from mere custom, for she had ceased to pay much heed to the exigencies of a florid complexion.

"It's a thousand pities," repeated the little Doctor, looking quite portentously regretful and oppressed. "It is not only that Tom Robinson is an excellent fellow and would have made Dora the best of husbands—given her a safe and happy home, and all that sort of thing; but in case of anything happening, I am convinced he would have been as[39] good as a brother to the other girls, and a son to you. A man like him is a stay and support to a household of helpless women."

"But nothing is going to happen, Jonathan," said Mrs. Millar, with an involuntary nervous quiver which sent her cap hovering over one eyebrow. "At least nothing worse than we know. Your practice is not so lucrative as it used to be; how can it, in these bad times, with so many poor young fellows of doctors settling here and there and everywhere in Redcross and the villages around, starving themselves out, while they impoverish their seniors? Nothing more than that, except the little trouble at Carey's Bank."

"Quite enough too, Maria, quite enough," commented the Doctor deep down in his throat, prolonging the words a little as if he were chanting the refrain of a dismal song; "and when a man is my age and has plenty of the young rivals you refer to, it is high time he should be looking out for something happening. A family of girls, too. God help me! If they had been four boys, who might have made their own way in the world, and provided for you among them, I could have faced it better." He struck the table again, with spasmodic force this time.

"Now, Jonathan, you will wake up the house. This is not like you," remonstrated his wife—all[40] the more energetically that her heart sank while she spoke. "I should not have expected you to give way in this manner." She gave a quick push back to her unruly cap. "I am sure there is no occasion for it. We are in no worse position than we were last year, even the year before that."

"Save that I am growing older every year," he said grimly, "and the affairs of the bank are not mending, as I hoped they might."

"Can't you sell out?" she suggested breathlessly, as she clasped her hands on her knees.

"I have put it off too long, supposing I had the conscience to transfer my liabilities to some simpleton who might not draw half a dozen of the dividends of which I have drawn scores. Besides, the thing is impossible, as I am telling you. Between you and me, the shares are far below par."

"What is par, Jonathan?" interrupted Mrs. Millar in a praiseworthy attempt to understand her husband.

"Oh, bother," he cried, running his hand in mild exasperation through his white hair; "the standard value, or the original value, whichever you like best. I should not dare to propose to sell out at such a loss; it would not only be to impoverish myself at once in order to avoid the risk of greater ruin, it would draw attention. It would have a most suspicious look, and might bring the rotten affair[41] down about our ears instantly, while I should get the blame of the downfall."

"But some of the large foreign investments might be realized any day—you told me the last time you spoke of business—with the first good turn of trade," she reminded him anxiously.

"I trust so still, and I believe old Carey is an honest man and a perfect gentleman—that is one comfort; but I cannot help thinking he has got into bad hands. I tell you, Maria, I don't like that brother-in-law of his who comes down from London to attend the Redcross meetings, and tries to blarney us all round. And I cannot approve of the bolstering up of Carey's cousins, the Carters, in their chemical works at Stokeleigh, which it strikes me will never do much good. It—the bolstering up—has been going on for a long time now, to what extent I am not prepared to show. Unfortunately I have a bad head for figures," he shrugged his shoulders as if anticipating a reproach, "the less reason why I should have laid out my savings on bank shares, you will say? No doubt, no doubt, but there had been fewer troubles with banks in my day. When I made the first investment everything appeared right, and the dividends announced were tempting."

"I am not finding fault with what you did, Jonathan; I never thought of such a thing," the[42] perturbed woman found voice to reassure her husband. "I know you did it for the best; and for that matter, I am convinced it will all come right in the end," she ended with a little sigh.

"It is very good and pretty of you to say so, Maria," he said with a certain old-fashioned, stiff gallantry which, while it complimented her, treated her as a much younger and more irresponsible being than he was. As he spoke he took up the hand which lay in her lap and held it for a moment clasped in his. "And I can say you have been all that I could have wished as a wife and mother, you have never once failed me during the whole of our married life."

"Oh! thank you, thank you, Jonathan." She acknowledged his praise with a momentary choke in her voice, and a bend of her head which was not without a docile dignity.

"We are all in the same boat," resumed the Doctor in the deep tones which somehow sounded like bass recitative; "the Rector, Colonel Russell, and I—not to say Carey himself. We all wished to increase our incomes with as little trouble and risk as possible—so it seemed then, but if the bank comes to smash, all the old Redcross gentle-folks, as we were pleased to call ourselves, will go with it."

[43]"Don't mention such a thing, don't think of it," cried Mrs. Millar in her dismay.

He went on without noticing her. "The Bishop won't let the Rector come down, and Russell is twenty years younger than I. He is no older than you are, though a foreign climate has told a good deal on him; still, he is patched up, and with care ought to have lasted as long as the rest of us. He may exert his interest, and get a post in India again, though I should be afraid it would finish him in six months."

The poor middle-aged lady who sat listening with dry lips apart, and pleasant hazel eyes distended with fright and distress, though she was no older than the unfortunate colonel, had not been exposed to a foreign climate, and had hardly suffered from a serious illness in her life, did not look much like such an arduous undertaking as going out to India to redeem a wrecked fortune. She pulled herself together, however, and set herself to the good woman's business of comforting and encouraging her husband. "I am certain it is right to go on hoping. You often say that in your profession you have no such helpful allies as hope and courage; you must practice what you've preached, Doctor," and the faithful soul actually contrived to impart a playful ring to her unsteady voice. "The Rector has not preached the duty more strenuously than[44] you have; and you are not going to be the first to break down, especially when there is no real occasion. Depend upon it, Carey's Bank will pull through like some of your most doubtful patients, with time and care."

"With all my heart," he said, absently taking off his spectacles, polishing, and replacing them. Then he resumed his former line of thought. "Tom Robinson is out of the mess. He, and his father before him, found other ways of disposing of their capital where it was more under their own inspection and control. If that foolish girl of ours, Maria, could only have brought herself to listen to Robinson," he worked himself up into a fresh access of vexation, "the liking would have come in good time. I did not expect her to have a fancy for him on the spot, for quiet, steady young fellows like him are not apt to take girls' fancies—the worse for the girls."

"But, father"—remonstrated Mrs. Millar, involuntarily bestowing on her husband the title the girls gave him—she drew herself up as she spoke, and again destroyed the equilibrium of her cap—"you cannot surely think that Tom Robinson would have been a fit match for Dora, or any of her sisters. He is well enough in himself, I say nothing against him, but he has not gone into a profession, instead he has identified himself with[45] 'Robinson's'—that shop;" a shade of ineffable disgust stole into her ordinarily good-humoured voice.

"Showed his good sense and manliness," said the Doctor gruffly. "I wish every one else had been as wise. I wish all of us had big paying shops at our backs instead of Carey's shaky bank. I for one would swallow the indignity cheerfully. Why, my father kept on his dispensary in the days when the practice was at its best. The greater fool I to give it up. I tell you England will never be what it was till it gets rid of this rubbish of despising trades and shops. Don't you help to put it into these silly girls' heads. It makes me sick to think how they may live to wish they were connected with an honest, solvent shop."

"My dear, I think you are going a little too far." Mrs. Millar fired up in defence of her young like a ruffled mother-pigeon. "I should be very sorry to teach the girls to look down on anybody; but that there are different sorts and conditions of men, they may learn from their very Bibles and prayer-books. There are such things as education and culture—not to speak of good birth. You yourself, Dr. Millar, are fairly well born and well connected for a professional man." She instanced this with an imperceptible bridle and toss of her matronly head, which hinted broadly, "If it had[46] not been so, Jonathan, I should never have been Mrs. Millar." The movement threatened to deposit her cap on the carpet behind her, but she recovered it in time, and took up the thread of her discourse by quoting the much-prized family distinction—"There was your Aunt Penny, who married into the county."

"Oh! are you at that humbug?" he cried, with a man's disrespectful impatience. "I thought it had seen its day, and was long over and done with. I could not have conceived that you—" ("were such a fool," he was going to say, when he caught himself up.) He was quick-tempered and impulsive, but he was also suave by nature, and his long habit of courteous indulgence to his wife caused him to alter the phrase. "I did not know that you had so lively an imagination as to persist in believing that old myth, Maria."

"But your Aunt Penny did marry one of the Beauchamps of Waylands," insisted Mrs. Millar.

"Certainly; and she made the poorest marriage of anybody that I have ever had to do with, though I have always understood that he was not a bad sort, beyond being as thick-headed as his brother the squire or an officer of dragoons. He get on at the bar! I dare say not. And he was no quicker-witted or longer-sighted in Australia. You must have heard me say how grieved I was once when[47] I came across a fellow from Sydney who had been up the country, and remembered something of the Beauchamps and their straits. They were regularly hard up, and went through no end of trouble. Poor Aunt Penny seldom had a woman-servant—women-servants were more difficult to get out there in those days. She had to wash, cook, and scour for the men at the station."

"Why didn't they come home?" inquired Mrs.

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