“Well, he presses the investment on which he asks a loan, just as any other roguish speculator would, that’s all.”

“Oh, don’t say that, Mr. Calvert Joseph is not a rogue.”

“Men are rogues according to their capacity. The clever fellows do not need roguery, and achieve success just because they are stronger and better than their neighbours; but I don’t want to talk of Loyd; every consideration of the present case can be entertained without him.”

“How can that be, if he is to be her husband?”

“Ah! If—if. My dear old friend, when and if comes into any question, the wisest way is not to debate it, for the simple reason that applying our logic to what is merely imaginary is very like putting a superstructure of masonry over a house of cards. Besides, if we roust talk with a hypothesis, I’ll put mine, ‘Must she of necessity marry this man, if he insists on it?’”

“Of course; and the more, that she loves him.”

“Loves him! Have I not told you that you are mistaken there? He entrapped her at first into a half admission of caring for him, and, partly from a sense of honour, and partly from obstinacy, she adheres to it But she does so just the way people cling to a religion, because nobody has ever taken the trouble to convert them to another faith.”

“I wish you would not say these things to me,” cried she with much emotion. “You have a way of throwing doubts upon everything and everybody, that always makes me miserable, and I ask myself afterwards, ‘Is there nothing to be believed?’ Is no one to to be trusted?”

“Not a great many, I am sorry to say,” sighed he. “It’s no bright testimony to the goodness of the world, that the longer a man lives the worse he thinks of it. I surely saw the flutter of white muslin through the trees yonder. Oh dear, how much softer my heart is than I knew of! I feel a sort of choking in the throat as I draw near this dear old place. Yes, there she is—Florence herself. I remember her way of waving a handkerchief. I’ll answer it as I used to do.” And he stood up in the boat and waved his handkerchief over his head with a wide and circling motion. “Look! She sees it, and she’s away to the house at speed. How she runs! She could not have mustered such speed as that when I last say her.”

“She has gone to tell Milly, I’m certain.”