The Oxbridge shopkeeper is peculiar among shopkeepers in the fact that he has to do very largely with shy and immature customers with an extreme and distinctive ignorance of most commercial things. They are for the most part short of cash, but with vague and often large probabilities of credit behind them, for most people, even quite straitened people, will pull their sons and daughters out of altogether unreasonable debts at the end of their university career; and so the Oxbridge shopkeeper becomes a sort of propagandist of the charms and advantages of insolvency. Alone among retailers he dislikes the sight of cash, declines it, affects to regard it as a coarse ignorant truncation of a budding relationship, begs to be permitted to wait. So the youngster just up from home discovers that money may stay in the pocket, be used for cab and train fares and light refreshments; all the rest may be had for the asking. Marjorie, with her innate hunger for good fine things, with her quite insufficient pocket-money, and the irregular habits of expenditure a spasmodically financed, hard-up home is apt to engender, fell very readily into this new, delightful custom of having it put down (whatever it happened to be). She had all sorts of things put down. She and the elder Carmel girl used to go shopping together, having things put down. She brightened her rooms with colour-prints and engravings, got herself pretty and becoming clothes, acquired a fitted dressing-bag already noted in this story, and one or two other trifles of the sort, revised her foot-wear, created a very nice little bookshelf, and although at times she felt a little astonished and scared at herself, resolutely refused to estimate the total of accumulated debt she had attained. Indeed until the bills came in it was impossible to do that, because, following the splendid example of the Carmel girl, she hadn't even inquired the price of quite a number of things....
She didn't dare think now of the total. She lied even to herself about that. She had fixed on fifty pounds as the unendurable maximum. "It is less than fifty pounds," she said, and added: "must be." But something in her below the threshold of consciousness knew that it was more.
And now she was in her third year, and the Oxbridge tradesman, generally satisfied with the dimensions of her account, and no longer anxious to see it grow, was displaying the less obsequious side of his character. He wrote remarks at the bottom of his account, remarks about settlement, about having a bill to meet, about having something to go on with. He asked her to give the matter her "early attention." She had a disagreeable persuasion that if she wanted many more things anywhere she would have to pay ready money for them. She was particularly short of stockings. She had overlooked stockings recently.
Daffy, unfortunately, was also short of stockings.
And now, back with her family again, everything conspired to remind Marjorie of the old stringent habits from which she had had so delightful an interlude. She saw Daffy eye her possessions, reflect. This morning something of the awfulness of her position came to her....
At Oxbridge she had made rather a joke of her debts.
"I'd swear I haven't had three pairs of house shoes," said Marjorie. "But what can one do?"
And about the whole position the question was, "what can one do?"
She proceeded with tense nervous movements to tear these two distasteful demands into very minute pieces. Then she collected them all together in the hollow of her hand, and buried them in the loose mould in a corner of the summer-house.
"Madge," said Theodore, appearing in the sunshine of the doorway. "Aunt Plessington's coming! She's sent a wire. Someone's got to meet her by the twelve-forty train."