"This is from the mother of a brother officer of Hugo's, who was killed—some time after he was. She has found among his papers an I. O. U. of Hugo's for four hundred pounds; she encloses it. She writes quite nicely. She has kept it some time, not knowing quite what to do about it. She doesn't want the money; but she thinks it ought to be paid. She would give it to some charity in her son's name."

"An I. O. U.?" said Fred. "I suppose you've satisfied yourself—"

Colonel Eldridge cut him short. "Oh, I quite agree with her," he said. "I don't know her, by the by, and I suppose Hugo didn't either, or she would have said something about him—not only in connection with this, I mean. There's no need to ask what the transaction was. Very likely, I'm afraid, it was a card debt, or something of that sort. Anyhow, the money was owing from him, and is owing from me now. Her way of dealing with it is the best. I've promised to send her a cheque next week."

It seemed to Fred foolish to have done so, but it was no good saying that. "There's nothing, I suppose, to come out to Hugo's detriment," he said. "If you pay it without question it ought to be understood that it isn't talked about."

"As far as she is concerned, I should think she'd want it talked about as little as I should. If they were gambling together it might just as well have been her son who had owed it. But you've put your finger on the trouble, as it happens. I don't want it talked about, outside this room. The fact is that poor Hugo's delinquencies have brought about a state of feeling towards him that gives me great pain. He did some very foolish things—bad things, you may say, if you like—and they've been exaggerated into things that he never would have done. I quarrelled with one of my oldest friends about it. He took back what he said, and we've come together again, I'm glad to say. I've got Hugo's good name to consider. My brother William has known everything so far, and he has been very good about it. I've had to raise money to pay off what has been owing—it's a very large sum in all—and I couldn't have done it without his co-operation, now that he's in remainder to this property. But I know quite well that he takes a worse view of Hugo than I think he's justified in taking. I can't—I simply can't go to him about this, though it's a mere flea-bite compared to what has had to be paid already."

He seemed to have forgotten for the moment that he had cut himself off from going to his brother about anything. And he had not told Fred that the date upon the claim he had to meet was that same black date as had seen the transaction over which Lord Crowborough had brought his disgraceful accusations against Hugo—accusations which he had been forced to withdraw. The hornet's nest must not be stirred again. "No, he mustn't know of this," he said. "And my lawyers mustn't know of it, for if they did, he would."

"You couldn't—?"

"My dear Fred, I've been so confoundedly hit by the war, and all this coming on the top of it, that I simply couldn't raise a hundred pounds at this moment, let alone four hundred, without some sort of property adjustment. And that would mean disclosing everything, which I won't do if I can possibly help it. But I've thought of this. I'm always getting money-lender's circulars. You know the sort of things, of course. I'm not such a fool as to suppose that I can borrow money in that way on anything like an ordinary rate of interest. But I'd pay very heavily to get this money at once, with no security but my word for repayment. Have you ever had any dealings with these people? I know young fellows do. I might quite well have done it myself, but as a matter of fact I never did. Hugo did, and they fleeced him unmercifully. I don't want to be fleeced; but I can do what they always seem to want, and that is pay by regular instalments. My income is pretty well fixed now for some time to come. It's a tight fit already, and this will make it tighter, but what I can do is to pay two hundred a year until I've cleared it off, with the interest."

Fred was ready with his answer. His brain worked quickly in questions of this kind, and he knew his man—or thought he did.

"Don't go to those sharks," he said. "It's perfectly easy. I can find you the money at once. The interest would have to be ten per cent, I think, but—"