'I have never shed a tear until now,' uttered Gwen at last, looking up at Nannie with almost a pathetic look in her tear-dimmed eyes. 'I felt my trouble was too great for tears. I was turning to stone until I saw you. Oh, Nannie, if you knew all, you would be sorry for me!'

Will you be telling it to me, Miss Gwen?'

'Yes, indeed I will.'

Gwen gave a rough sketch of her life for the first month with her brother. She told of the bitter blow it was to find him about to be married; and then told Nannie of Mr. Montmorency's arrival, and the pressure put upon her brother to sell his farm, and join him in his quest for gold.

'I gave him no rest, Nannie, until he promised to do as I wanted. I even went to the girl he was going to marry, and coaxed and entreated her to add her persuasions to mine. She was bitterly disappointed, poor little thing, at their marriage being postponed, but she was thoroughly unselfish, and only thought of Walter's good. Mr. Montmorency worked hard too. He wanted more capital, and said Walter must do his share in getting it, if he was to be a partner, so I worked with all my might and main to get it for him. I persuaded Meta Seton to invest a legacy of hers in the scheme; I wrote home and implored all the others to invest in it too. I put all the money I had myself in it, and then when all was done, and I had broken up Walter's home, I sat down in complacency and waited for the success that was sure to follow. I can't tell you when the first doubts of the whole thing crept into my mind. I only know the last four months have been ones of torturing suspense and uncertainty. I wonder I have not come home grey-headed. The crash came six weeks or so ago. Mr. Montmorency, after ruining himself, my brother, and hundreds of others, decamped, and has not been heard of since. It was simply a mad speculation set on foot by a clever man with little capital of his own. Walter is ruined; he has crept back to his own part of the country, and has to begin life all over again; his hopes of a married life and a happy home have been dashed to the ground. Meta's father is so enraged at his daughter's legacy being lost, that he has forbidden Walter the house, and his bride as well as his farm has been taken from him. I wonder he did not curse me, as he came to see me off in the steamer; but his face—the hopelessness and despair written there—was quite enough for me. And now I am going back to break to Clare and Elfie that they as well as myself are absolute beggars. Agatha was the only wise one amongst us. She refused to trust Mr. Montmorency with one farthing of her money.'

'Ay, my dear, it's terrible—terrible for you; but loss of money is not ruin. You have health and strength and youth to sustain you, and though the cloud has been dark, it will have a silver lining!'

'How can I tell them!' cried Gwen; and her face grew set and hard, as she stood up, and dashed the tear-drops from her eyelashes. 'They have no idea I am returning home, or what has happened. I have been to our lawyer before I came to you, and though he has heard bad reports of Mr. Montmorency, he has never said a word to them. Do you realize I have beggared our whole family, Nannie? Poor Clare has had trouble enough of her own, without this in addition; and Elfie, who has never had a care or thought, how will she take it? I wish—I wish I were dead!'

'Hush, hush, my dear!' said Nannie, almost sternly. 'That would be a coward's wish, and you are not that! If you learn the lesson the Lord would have you learn, you may yet live to find that this big trouble has been the biggest blessing in your life.'

'Do you think if I had been like Agatha, who prays even if she goes shopping that she may spend the money properly, and if I had committed my plans to God, this would have happened, Nannie?'

'No, I don't think it would,' was Nannie's grave reply.