"What in the world did you do that for?"

"Why, I'm to help, you know. So as soon as I heard you were to be president of the bank I asked Mrs. Hallam to get Captain Hallam to lend me the books."

Duncan smiled and kept silence for a while.

"Was that wrong, or very foolish, Guilford? I can really understand the book."

"Of course you can, and it was neither wrong nor very foolish in you to try. It was only very loyal and very loving. But there was no occasion for you to do anything of the sort."

"But how can I help you if I don't try my best to understand the things you are dealing with?"

"As I said before," he answered tenderly, "it is very loyal and very loving of you to think in that way, and I thank you for it. But that isn't what I have had in mind when we have talked of your helping me. I have never had a thought of burdening you with my affairs except to ask for your sympathy when things trouble me, and your counsel on all points of right and wrong, and all that. You see, you have two things that I need."

"What are they?"

"A singularly clear insight into all matters of duty, and a conscience as white as snow. In this matter of Tandy's account, for example, you have helped me more than you imagine. You have seen my duty clearly, where I was in doubt about it, and you have prompted me to the resolute doing of it, regardless of my own feelings, or Tandy's, or of any other consideration whatever. Moreover, it is an immeasurable help to me simply to sit in your presence and feel that you want me to do right always. I think association with you would keep any man in the straight road. I know that your love would do so."

"I am very, very glad," the girl answered with misty eyes, "but I must help in practical ways, too—in all ways. So I must do my best to understand all the things that you have to manage."