She burst into a merry laugh. "Singular creature! Shall we proceed to business?"

"Yes, my lady. Time is money. You will be comfortable in this chair."

A strange contrast did they present as they sat on opposite sides of the table, the crafty, cringing face of the man looking into the cheery, good-humoured face of the lady.

"Now, Mr. Boyd, I am going to be quite frank with you." She placed her satchel on the table, and took some papers from it. "My husband owes you a large sum of money. Look over these figures and tell me if they are correct."

"Quite correct, my lady, but calculated only up to the last day of February, which was yesterday. One day's interest has to be added if you are prepared to pay to-night. Strictly speaking, it is two days' interest, it being now past the hour of business."

"Of course you know I am not prepared to pay to-night, and of course you know that I have come in the place of my husband because in matters of business he is a mere child."

"I have not found him so, my lady," said Samuel Boyd. "In my experience of his lordship I have seen nothing in him to cause me to think he is weak-minded. He came to me to borrow money, and I lent it to him on bills signed in his name. It was a risk, and I took it."

"Very well, Mr. Boyd," said Lady Wharton, cheerfully. "We have not met to contradict each other, or to raise up difficulties, but to come to such an arrangement as may be agreeable to you."

"If your ladyship pleases," said Mr. Boyd.

"At the same time," she continued, "I wish to state how far my understanding went, when, Lord Wharton being ill in bed, I opened up a correspondence with you. I am very fond of my husband, Mr. Boyd."