"Is not there? Well, it's very generous in you to say so; and you always are generous. I've always told your brother, since I had the honour of knowing you, that he had a sister to be proud of. And, Miss Mackenzie, I'll say more than that; I've flattered myself that I've had a friend to be proud of. But now I must tell you why I've come down to-day; you know I was to have been here next week. Well, when Mr Slow came to me and I found what was up, I said to myself at once that it was right you should know exactly—exactly—how the matter stands. I was going to explain it next week, but I wouldn't leave you in suspense when I knew that that lawyer was going to trouble you."

"It hasn't troubled me, Mr Rubb."

"Hasn't it though, really? That's so good of you again! Now the truth is—but it's pretty nearly just what I told you that day after dinner, when you agreed, you know, to what we had done."

Here he paused, as though expecting an answer.

"Yes, I did agree."

"Just at present, while certain other parties have a right to hold the title-deeds, and I can't quite say how long that may be, we cannot execute a mortgage in your favour. The title-deeds represent the property. Perhaps you don't know that."

"Oh yes, I know as much as that."

"Well then, as we haven't the title-deeds, we can't execute the mortgage. Perhaps you'll say you ought to have the title-deeds."

"No, Mr Rubb, I don't want to say anything of the kind. If my money can be of any assistance to my brother—to my brother and you—you are welcome to the use of it, without any mortgage. I will show you a copy of the letter I sent to Mr Slow."

"Thanks; a thousand thanks! and may I see the letter which Mr Slow wrote?"