He thought of the banks, and sighed devoutly at the fearful amounts which some were said to possess.

He ran through his personal reminiscences, and past life, and could point to persons in high stations, and of “unimpeachable respectability” whom he had known in years past, and often thought,

“If so-and-so had his due, he would be half-starving, or in prison, instead of rolling about so grandly with his carriage and greys.”

Such thoughts arose, not from honest indignation but from envy and gall.

Old Sir Andrew was thoroughly disgusted with himself and the world.

He was determined, however, to make another attempt at success.

But his son-in-law was like a heavy chain bound to his legs, and he could not move in any direction but he encountered either Fanny or Phillip.

And what a change had come over Fanny, his daughter!

She had separated from her husband.

But why?