"At me, and on me. I put ten shillings into the plate this morning."

Lionel was a thoroughly good young man, and had a great sense of the dignity of his cloth and the responsibility of his position. But he also possessed humour, and could not help retorting after the style of a certain witty bishop.

"That's the smallest fire insurance I ever heard of," said he, genially, and moved away, leaving Lady Jim amused.

"I didn't think he had so much fun in him," she thought, making for the library; "but the speech is too clever to be original"--which showed that Leah suspected the existence of the witty bishop.

But the word insurance put her mind on Jim's mad idea to pretend death and cheat the company out of twenty thousand pounds, with accumulations. Leah devoutly wished that the trick could be managed. Its success meant a clearance of debt and of Jim, when the millennium would come, and, as Mrs. Nickleby's admirer put it, "all would be gas and gaiters." She resolved to have another chat with Jim on the subject, and meantime went to seek for a novel. After boring herself with Mrs. Arthur and Lionel, she wished to read away a well-earned hour of peace.

But this for the moment she was not destined to enjoy. The library was empty, save for the presence of the last person whom Lady Jim wished to encounter. When Miss Jaffray looked up from a gigantic volume with an almost toothless smile, Leah turned to fly. But the old maid arrested her flight with a joyful shout. She usually did shout, as her brother was slightly deaf, which deceived her into thinking the entire human race was likewise afflicted.

"So sweet of you to come here," shouted Miss Jaffray. "I am just dying for some one to talk to."

If the decision had been left to Lady Jim, she would have gladly avoided the talk, to bring about this result. But it occurred to her scheming mind that this dull spinster was wealthy, and might be cajoled or frightened into lending money. Leah did not specify the sum, even in her own mind, as she did not know how much more this virgin soil would yield, if properly worked. Sitting down promptly, she began to chat on the first subject that came into her head.

"What are you reading so earnestly?" she asked sweetly.

"The Morte d'Arthur," said the spinster, fondling the ponderous tome which her weak knees could hardly support.