"She has only four of her own," said the old man, somewhat mollified.

"Have you any objection to my telling you what I would propose to do?"

"No objection in life, Sir Henry."

"My income is large; but I want a little ready money at present to conclude the purchase of my house, and to furnish it. Would you object to the four thousand pounds being paid into my hands, if I insure my life for six for her benefit? Were her fortune larger, I should of course propose that my insurance should be heavier."

Sir Henry was so very reasonable that Mr. Bertram by degrees thawed. He would make his granddaughter's fortune, six thousand as he had always intended. This should be settled on her, the income of course going to her husband. He should insure his life for four thousand more on her behalf; and Mr. Bertram would lend Sir Henry three thousand for his furniture.

Sir Henry agreed to this, saying to himself that such a loan from Mr. Bertram was equal to a gift. Mr. Bertram himself seemed to look at it in a different light. "Mind, Sir Henry, I shall expect the interest to the day. I will only charge you four per cent. And it must be made a bond debt."

"Oh, certainly," said Sir Henry.

And so the affair of the settlement was arranged.

CHAPTER XIV.