Miss Mackenzie at once made up her mind that her money was gone! But, in truth, this did not much annoy her. She had declared to herself once before that if anything was wrong about the money she would regard it as a present made to her brother; and when so thinking of it, she had, undoubtedly, felt that it was, not improbably, lost to her. It was something over a hundred a year to be deducted from her computed income, but she would still be able to live at the Paragon quite as well as she had intended, and be able also to educate Susanna. Indeed, she could do this easily and still save money, and, therefore, as regarded the probable loss, why need she be unhappy?

Before the morning was over she had succeeded in white-washing Mr Rubb in her own mind. It is, I think, certainly the fact that women are less pervious to ideas of honesty than men are. They are less shocked by dishonesty when they find it, and are less clear in their intellect as to that which constitutes honesty. Where is the woman who thinks it wrong to smuggle? What lady's conscience ever pricked her in that she omitted the armorial bearings on her silver forks from her tax papers? What wife ever ceased to respect her husband because he dealt dishonestly in business? Whereas, let him not go to church, let him drink too much wine, let him go astray in his conversation, and her wrath arises against these faults. But this lack of feminine accuracy in the matter of honesty tends rather to charity in their judgment of others, than to deeds of fraud on the part of women themselves.

Miss Mackenzie, who desired nothing that was not her own, who scrupulously kept her own hands from all picking and stealing, gave herself no peace, after reading the lawyer's letter, till she was able to tell herself that Mr Rubb was to be forgiven for what he had done. After all, he had, no doubt, intended that she should have the promised security. And had not he himself come to her in London and told her the whole truth,—or, if not the whole truth, as much of it as was reasonable to expect that he should be able to tell her at an evening party after dinner? Of course Mr Slow was hard upon him. Lawyers always were hard. If she chose to give Messrs Rubb and Mackenzie two thousand five hundred pounds out of her pocket, what was that to him? So she went on, till at last she was angry with Mr Slow for the language he had used.

It was, however, before all things necessary that she should put Mr Slow right as to the facts of the case. She had, no doubt, condoned whatever Mr Rubb had done. Mr Rubb undoubtedly had her sanction for keeping her money without security. Therefore, by return of post, she wrote the following short letter, which rather astonished Mr Slow when he received it—

Littlebath, April, 186—.

Dear Sir,

I am much obliged by your letter about the money; but the truth is that I have known for some time that there was to be no mortgage. When I was in town I saw Mr Rubb at my brother's house, and it was understood between us then that the matter was to remain as it is. My brother and his partner are very welcome to the money.

Believe me to be,
Yours sincerely,

Margaret Mackenzie.

The letter was a false letter; but I suppose Miss Mackenzie did not know that she was writing falsely. The letter was certainly false, because when she spoke of the understanding "between us," having just mentioned her brother and Mr Rubb, she intended the lawyer to believe that the understanding was between them three; whereas, not a word had been said about the money in her brother's hearing, nor was he aware that his partner had spoken of the money.

Mr Slow was surprised and annoyed. As regarded his comfort as a lawyer, his client's letter was of course satisfactory. It absolved him not only from all absolute responsibility, but also from the feeling which no doubt had existed within his own breast, that he had in some sort neglected the lady's interest. But, nevertheless, he was annoyed. He did not believe the statement that Rubb and Mackenzie had had permission to hold the money without mortgage, and thought that neither of the partners had themselves so conceived when he had seen them. They had, however, been too many for him—and too many also for the poor female who had allowed herself to be duped out of her money. Such were Mr Slow's feelings on the matter, and then he dismissed the subject from his mind.

The next day, about noon, Miss Mackenzie was startled almost out of her propriety by the sudden announcement at the drawing-room door of Mr Rubb. Before she could bethink herself how she would behave herself, or whether it would become her to say anything of Mr Slow's letter to her, he was in the room.

"Miss Mackenzie," he said, hurriedly—and yet he had paused for a moment in his hurry till the servant had shut the door—"may I shake hands with you?"

There could, Miss Mackenzie thought, be no objection to so ordinary a ceremony; and, therefore, she said, "Certainly," and gave him her hand.