The next day Mr. Renshaw came downstairs for the first time since he had heard of the misfortune. He had received a letter that morning saying that a call was at once to be made on each shareholder for the amount still standing on each share, and this sum was in itself more than he could meet even after the sale of his house and its contents. He was in a state of profound depression. He had, while upstairs, been endeavouring to think of some means of supporting his family, but had been wholly unable to think of any plan whatever. He knew that at his age he should find it next to impossible to obtain employment, even as a clerk at the lowest salary; his knowledge of archæology would be absolutely useless to him, for the books he had already published had not even paid the expenses of printing.

Few words were spoken at breakfast, but when the meal was finished Mrs. Renshaw began: "My dear Alfred, Wilfrid and I have been talking over what we had better do under the circumstances. I have told him that the failure of the bank involves the loss of all our property, that the house will have to be sold, and that, in fact, there remains nothing but the thousand pounds of my settlement. We have talked it over in every light, and have quite arrived at the conclusion as to what we think the best thing to be done if you see matters in the same light and will consent to our plan. I had at first thought of starting a little school."

"I would never agree to that," Mr. Renshaw said; "never. I must do something, my dear, though I have not made up my mind in what direction. But whatever it is, it is for me to work, and not for you."

"Well, we have already given up the idea," Mrs. Renshaw went on. "Wilfrid was sure that you would not like it, and, as he pointed out, the money might be spent before I could obtain sufficient pupils to pay. Besides, he is anxious to be of use; but the difficulty struck us of obtaining any kind of remunerative work here."

"That is what I have been thinking," Mr. Renshaw said. "I shall be willing to work at anything in my power, but I don't see what possible work I can get."

"Quite so, my dear. In this country it is of course terribly difficult for anyone to get employment unless he has been trained in some particular line, therefore Wil and I are agreed that the very best plan, indeed the only plan we can think of, is for us to go out to a new country. My little money will take us to New Zealand, buy a good-sized piece of land there, and suffice to enable us to clear it and stock it to some extent. The life will no doubt be rough for us all for a time; but none of us will care for that, and at any rate we are sure to be able to keep the wolf from the door."

"To New Zealand!" Mr. Renshaw repeated aghast. "That is a terrible undertaking. Besides, I know nothing whatever about farming, and I fear that I am quite unfit for hard work."

"I do not think it will be at all necessary for you to work yourself, Alfred. Of course we can hire men there just as we can in England. I believe the natives are willing to work at very low rates of pay, so we need have no difficulty on that score. Wilfrid is growing up now, and will soon be able to relieve you of all responsibility, and then you will be able to devote yourself to your favourite studies; and I should think that a book from your hand upon native manners and customs would be sure to be a great success. Accustomed as you are to tracing things up from small remains, and with your knowledge of primitive peoples, your work would be very different from those written by men without any previous acquaintance with such matters."

"The idea certainly pleases me," Mr. Renshaw said; "but, of course, I shall want time to think over your startling proposal, Helen."

"Of course, my dear. In the meantime we will go on packing up and preparing to move at once from here, as you say that there must be a sale of everything; then you can think the matter over, and if you decide upon any better scheme than ours we can carry that out. If not, we shall be ready to put ours into execution."