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was merely plain when grave. When she smiled she was decidedly pretty, and when she laughed she was captivating—absolutely irresistible! She seldom laughed, occasionally smiled, and was generally grave. There was something quite incomprehensible about her, for she was not an unusually good girl, and by no means a dashing girl, neither was she an intensely modest girl—and yet, plain Emma Gray had perhaps driven more young men into a condition of drivelling imbecility than any acknowledged beauty of the metropolis.

Observe, we say “perhaps,” because we lay claim to no superhuman knowledge in regard to such matters.

“They are rather extensive fields,” continued the doctor, “scattered here and there about the metropolis, but lying chiefly in the city and on the banks of the Thames. They comprise many picture-galleries, too, and museums; the latter containing wonderful specimens of old bones and fossil remains, filth, and miscellaneous abominations, in which the gold and diamonds are imbedded—sometimes buried,—and the former being hung with subjects—chiefly interiors—incomparably superior, in respect of graphic power, to the works of Hogarth.”

“Oh! I know what you mean,” said Miss Gray, with a little smile.

“Your wits are sharper than mine, Emma,” said Mrs Stoutley, with a sigh and a placid look. “What do you refer to, Doctor Tough?”

“I refer to those districts, madam, chiefly inhabited by the poor, where there are innumerable diamonds and gold nuggets, some of which are being polished, and a good many are glittering brightly, though not yet fixed in their proper setting, while by far the greater number of them are down in the earth, and useless in the meantime, and apt to be lost for want of adventurous diggers. They are splendid fields those of London, and digging is healthful occupation—though it might not seem so at first sight. Did you ever visit the poor, Mrs Stoutley?”

With a slight elevation of her eyebrows, and the application of a scent-bottle to her delicate nose, as if the question had suggested bad smells, the lady said that—Well, yes, she had once visited a poor old gardener who had been a faithful creature in the family of a former friend, but that her recollection of that visit did not tend to induce a wish for its repetition.

“H’m!” coughed the doctor, “well, the taste of physic is usually bad at first, but one soon gets used to it, and the after effects, as you know, are exceedingly beneficial. I hope that when you visit the London diggings you may find the truth of this; but it will be time enough to speak of that subject when you return from rambling on the glaciers of Switzerland, where, by the way, the dirt, rubbish, and wrack, called moraines, which lie at the foot of the glaciers, will serve to remind you of the gold-fields to which I have referred, for much of what composes those moraines was once solid rock in a fixed position on the heights, or glittering ice which reflected the sun’s dazzling rays on surrounding high life, though it lies low in the earth now. To a lady of your intelligence, madam, I need not expound my parable. There are many avalanches, great and small, in English society as well as among the Swiss mountains; and, whether by gradual subsidence or a tremendous rush, we must all find our places in the moraine at last.”

“Really, doctor,” said Mrs Stoutley, with a light laugh, “you seem to have already wandered much among these moral moraines, and to have acquired some of their ruggedness. How can you talk of such dismal things to a patient? But are you really in earnest about my going abroad?”

“Indeed I am,” replied the doctor, firmly, “and I advise you to begin your preparations at once, for you must set out on your travels in less than a month. I lay the responsibility of seeing my orders carried into effect on your shoulders, Miss Gray.”

So saying, the doctor rose and took his leave. Mrs Stoutley and her niece immediately began to discuss the subject of Switzerland—the one languidly, the other with animation. It was plain enough that, although the invalid protested to the doctor her inability to travel, she really had no objection, perhaps felt some desire, to go abroad, for when Miss Gray mentioned the fact that there was a difficulty in the shape of insufficient funds, she replied with more warmth than usual—

“Now, Emma, what is the use of always bringing up that ridiculous idea?”

“No doubt, auntie,” the maiden replied, “it is a little ridiculous to run short of ready money, considering the style in which we live; but it would be still more ridiculous, you know, to go to Switzerland without the means of paying our expenses while there.”

“What’s that you say about expenses, cousin?” exclaimed a tall handsome stripling who entered at the moment, and seated himself on the sofa at his mother’s feet.

“Oh, bother the expense!” he exclaimed, when the difficulty had been explained to him, “it can’t cost so much to spend a few months in Switzerland,—besides, we can do it cheap, you know. Didn’t Mr What’s-his-name, our man of business, say that there was a considerable balance at the banker’s, and that if the What-d’ee-call-’em mines paid a reasonable dividend, we should easily get over our difficulties?”

“He said something of that sort, I believe,” replied Mrs Stoutley, with a sigh.

“I rather think, cousin Lewis,” said Emma, endeavouring to repress a smile, “that he said there was an inconsiderable balance at the bankers, and that unless the Gorong mine paid a reasonable dividend, we shouldn’t easily get over our difficulties.”

Both Lewis and his mother laughed at the quiet way in which this was said, but, while both admitted that Emma’s view of the matter might perhaps be correct, Lewis held that there was no good reason for supposing there would be any difficulty in the meantime in obtaining from their “man-of-business” the paltry sum that was required for a short tour on the Continent. Indeed Mrs Stoutley regarded this man-of-business as a mere sponge, who required only to be squeezed in order to the production of what was desired, and the man-of-business himself found it no easy matter to convince her that she held erroneous views on this subject, and that at her present rate of progress, she would, to use the doctor’s glacial simile, very soon topple from the pinnacle of fashion, on which she sat, and fall with the crash of a social avalanche into the moraine of ruin.

“What a wise little woman you are, cousin Emma,” said Lewis, gaily. “You ought to have been bred to the law, or trained an accountant. However, we won’t be guided by your advice just now, first, because the doctor has ordered mother abroad for her health, which is our chief consideration; and, second, because I wish of all things to see Switzerland, and climb Mont Blanc. Besides, we are not so poor as you think, and I hope to add a little to our general funds in a day or two. By the way, can you lend me ten pounds just now, mother?”

“Why do you want it?” asked Mrs Stoutley, sternly, as if she meant to refuse, but at the same time opening her purse.

“Don’t ask me just now. I will repay you tomorrow, with interest and shall then explain.”

With an easy, languid smile, the carelessly amiable invalid handed her last ten-pound note to her hopeful son, who had just transferred it to his pocketbook, when a footman entered and presented a scrap of dirty paper, informing his lady that the person who sent up the “card” desired to see her.

“What is this?” said Mrs Stoutley, holding the paper gingerly with the tips of her fingers, “Wip—Wap—Wopper! What is Wopper? Is the person a man or a woman?”

The footman, who, although well-bred, found it difficult to restrain a smile, intimated that the person was a man, and added, that he said he had come from California, and wanted to see Mrs Stoutley very particularly.

On hearing this, the lady’s manner changed at once, and, with more animation than she had yet exhibited, she desired that he should be shown in.

With his large wide-awake in one hand, and a canvas bag in the other, Captain Wopper entered the drawing-room, and looked around him with a beaming and rather bashful smile.

“Mrs Stoutley, I believe,” he said, advancing, “and Miss Emma Gray, I suppose,” he added, turning with a beaming glance towards the young lady.

Mrs Stoutley admitted that he was right, and expressed some surprise that he, a perfect stranger, should be so well acquainted with their names.

“I am indeed a stranger personally, ma’am,” said Captain Wopper, smoothing the hair down on his rugged brow, “but I may be said to know you pretty well, seeing that I have for many years been the friend and messmate of your late husband’s brother in Californy.”

“Indeed!” exclaimed Mrs Stoutley, with increasing animation, as she rose and held out her hand; “any friend of my brother-in-law is heartily welcome. Be seated, Mr Wopper, and let me hear about him. He was very kind to my dear husband during his last illness—very kind. I shall never forget him.”

“No doubt he was,” said the Captain, accepting the chair which Emma Gray handed to him, with looks of great interest. “Thank ’ee, Miss. Willum Stout—excuse my familiarity, ma’am, I always called him Willum, because we was like brothers—more than brothers, I may say, an’ very friendly. Yes, Willum Stout was kind to his brother in his last days. It would have bin shame to him if he hadn’t for your husband, ma’am, was kind to Willum, an’ he often said to me, over the camp-fires in the bush, that he’d never forget his kindness. But it’s over now,” continued the seaman in a sad tone, “an’ poor Willum is left alone.”

“Is my uncle very poor?” asked Lewis, who had been paying more attention to the appearance of their rugged visitor than to what he had said.

“Ay, very poor,” replied the seaman, “as regards near relations, leastwise such as he has seen and known in former days, but he an’t poor as regards gold. He’s got lots of that. He and I worked not far from each other for years, an’ he used to hit upon good claims somehow, and shovelled up the nuggets like stones.”

“Indeed! I wish he’d send a few of them this way,” exclaimed Lewis, with a careless laugh.

“No doubt he might do so, young man, if he knew you were in need of ’em, but your father gave him to understand that his family was rich.”

“Rich!” exclaimed Lewis, with a smile, in which there was a touch of contempt. “Well, yes, we were rich enough once, but when my father was away these wretched mines became—”

“Lewie!” exclaimed his mother, hastily, “what nonsense you do talk! Really, one would think from your account that we were paupers.”

“Well, mother, so we are—paupers to this extent at least, that we can’t afford to take a run to Switzerland, though ordered to do so for your health, because we lack funds.”

Lewis said this half petulantly, for he had been a “spoilt child,” and might probably have been by that time a ruined young man, but for the mercy of his Creator, who had blessed him with an amiable disposition. He was one of those youths, in short, of whom people say that they can’t be spoiled, though fond and foolish parents do their best to spoil them.

“You mis-state the case, naughty boy,” said Mrs Stoutley, annoyed at being thus forced to touch on her private affairs before a stranger. “No doubt our ready cash is what our man-of-business calls ‘locked up,’ but that, you know, is only a matter of temporary inconvenience, and cannot last long.”

As Mrs Stoutley paused and hesitated, their visitor placed on the table a canvas bag, which, up to this point he had rested on one knee.

“This bag,” he said, “of nuggets, is a gift

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