"I don't think so," said Valmai. "I am the niece of Captain Powell, who used to live in Reuben Street. He once told me you were his lawyer, and I have heard that in his will he has left me some money."

"Bless me! You are his niece Valmai! Of course. I have been wondering when you would turn up, and was really beginning to think I must advertise for you. I have written to your uncle at Abersethin, but have had no reply."

"He never writes if he can help it. I am very ignorant of money matters and business ways," said Valmai, as Mr. Lloyd handed her a chair, "but would like to know in plain words how much my dear uncle has left me, as I am leaving this part of the country to-morrow."

"Not going out of England, I suppose?" said the lawyer.

"No, oh no; not even out of Wales."

"Well, I have your uncle's will here, and I can read it to you at once."

"No, indeed," said Valmai, "I don't think I want to hear it read. I know from dear Uncle John's perfect faith in you that I can trust you. If you will only tell me plainly how much money I can have now, and how I am to receive it in the future, I shall be quite satisfied; and if I owe you anything you can deduct it, please."

Mr. Lloyd smiled and shook his head at this unbusiness-like proposal.

"Well," he said, "young ladies can't be expected to know much of business ways, but I should certainly like to go into the accounts with you at the first opportunity. He has left you the bulk of his property, the income of which is about 150 pounds a year; and, after deducting the legacies and my costs and all expenses, I shall have in hand about 300 pounds for you."

"Three hundred pounds," said Valmai, "what a lot of money! Could you take care of it for me, Mr. Lloyd? and let me send to you for it when I want it," she added nervously.