"Then you still have twenty minutes to pay me in," said Crosby, with an oily cackle of laughter. "I'm sorry to have to insist upon strict punctuality, but I must. Times are so hard, and I've had such a capital offer made me for Wandaroo by a rich Englishman, just out—Harrison Tait. Mr. Harrison Tait, that's his name. Up till twelve Wandaroo is yours, ma'am, and then—unless, of course, you pay—it's mine. I think I'm right, Mr. Tuckle?"

"Yes, to-day is the last day of grace, and it ends at twelve," said the lawyer, who did not seem to greatly like the part he had to play in this painful scene. He had been sent up by Mr. Tait to report to him upon the estate, the title-deeds of which old Crosby had agreed to hand over to him at once.

"Won't you gentlemen take seats?" said Mrs. Law, in her most dignified way; and then, to keep up the reputation for hospitality which Wandaroo had always possessed, she added, "And may I offer you any refreshment? I suppose I can do so for, at least, the next twenty minutes."

As Mrs. Law was speaking Martin and Margaret stepped into the room. Mr. Crosby grew even more flushed and purple than before when he saw his nephew.

"Hey, you fellow! Confound you, what are you doing here?" he said, in the most insulting manner.

"You will kindly remember, sir," said Mrs. Law, waxing indignant, "that this is not your house as yet, and that this gentleman is my guest."

"Gentleman, indeed! He is my nephew."

"The two things certainly are not very compatible," said Mrs. Law, quietly.

"What am I doing here?" said Martin, with an amused look on his face. "Why, I am wooing my wife. This lady, notwithstanding the fact that she will thereby become your niece, which is a drawback, has consented to marry me."

"Marry her!" almost shrieked the elder Crosby. "Why, she is a beggar."