'Is your father in, Miss Mosk?' she asked, clasping and unclasping her hands feverishly on her lap.

'No, Miss Whichello. He rode over this afternoon to Southberry on business, and we do not expect him back till to-morrow morning. Poor father!' sighed Bell, 'he went away in anything but good spirits, for he is terribly worried over money matters.'

'The payment of his rent is troubling him, perhaps!'

'Yes, Miss Whichello. This is an expensive hotel, and the rent is high. We find it so difficult to make the place pay that we are behindhand with the rent. Sir Harry Brace, our landlord, has been very kind in waiting, but we can't expect him to stand out of his money much longer. I'm afraid in the end we'll have to give up The Derby Winner. But it is no good my worrying you about our troubles,' concluded Bell, in a more vivacious tone; 'what do you wish to see father about, Miss Whichello? Anything that I can do?'

'Well, my dear, it's this way,' said the old lady, nervously. 'You know that I have a much larger income than I need, and that I am always ready to help the deserving.' 'I know, Miss Whichello! You give help where Mrs Pansey only gives advice. I know who is most thought of; that I do!'

'Mrs Pansey has her own methods of dispensing charity, Miss Mosk.'

'Tracts and interference,' muttered Bell, under her breath; 'meddlesome old tabby that she is.'

'Mr Cargrim was at my house to-day, as I told you,' pursued Miss Whichello, not having heard this remark, 'and he mentioned a man called Jentham as a poor creature in need of help.'

'He's a poor creature, I daresay,' said Miss Mosk, tossing her head, 'for he owes father more money than he can pay, although he does say that he'll settle his bill next week. But he's a bad lot.'

'A bad lot, Miss Mosk?'