"Thank you, my lady. I have been taken in so often that I am almost beginning to despair of human nature."

"Don't, Mr. Boyd, don't. There is a great deal of good in human nature, and we can get a lot of fun out of life if we set about it the right way. I have consulted another person in this business, and he has advised me. My brother, Lord Fairfax. You have heard of him, perhaps. Yes? I thought you must; he is almost a celebrity, with his indolent and easy ways. It is in our blood; we object to be troubled. All we ask is that the world should go round as usual, and that our little wishes should be gratified. Lord Fairfax suggested that I should put the business into the hands of a lawyer." Mr. Boyd, with a scarcely perceptible motion, lifted his eyebrows. "I said, no. We have a rooted objection to lawyers in our family; they make your head ache. 'Quite right,' said Lord Fairfax. 'Have nothing to do with lawyers.' He never disputes, Mr. Boyd. The moment you say a thing he agrees to it. Then he said, 'Find out how much it amounts to.' I wrote to you, and you told me. You also sent me some bills, for the purpose of doing away with the old obligations, and putting the whole of the business on a new footing. These bills were to be accepted by Lord Wharton, and you strongly urged me to get another responsible name at the back of them. Lord Wharton signed the bills when I put them before him. The dear man hardly as much as looked at them. Then I went to Lord Fairfax, and he put his name on the back. He hardly as much as looked at them. And to cut a long matter short, Mr. Boyd, I have brought them with me."

She took them from her satchel, and handed them to Mr. Boyd, who examined them carefully, and jotted down figures on a piece of paper. Satisfactory as the transaction was to him no sign of satisfaction escaped him.

"Are they in order, Mr. Boyd?"

"Yes, they appear to be in order. I am making a great sacrifice for you, my lady."

"We are under a great obligation to you. And now, Mr. Boyd, for a little piece of business on my own account. I want a thousand pounds for my private purse."

"A thousand pounds, my lady, a thousand pounds!" murmured Mr. Boyd.

"I will not worry Lord Wharton with my dressmaker's bill, and she has begged me to let her have something on account. There are also one or two other little bills I wish to pay. Don't be alarmed; I am going to give you security. I have been looking through my jewellery, and I found some things that have gone out of fashion. I will not sell them, but I am willing to deposit them with you. Here they are. Oblige me by looking over them. Some of the cases would not go into my satchel, so I took them all out, and wrapped them in paper. I hope you won't mind."

"Not at all, my lady," said Mr. Boyd, opening the papers, which contained jewels of various kinds, bracelets, necklaces, ear-rings, brooches, and other gewgaws. Many of the precious stones were in old settings, and he saw at a glance that they were worth considerably more than the thousand pounds which this reckless lady of fashion wished to raise upon them. Among them were two ornaments of conspicuous beauty--a pearl necklace, and a device for the hair in the shape of a peacock's tail.

"I am reposing a great confidence in you," said Lady Wharton. "The pearl necklace and the peacock's tail were presents from my father--they cost a great price, I believe--and I would not part with them for any consideration. In a few months I shall--shall--what is the word for it? Oh, yes, redeem them."