"I'm afraid there is none, sir," Gerald replied.

"When he made the loan he knew you were a bank-clerk and had no money."

"I expect he did know, but thought you had some."

Osborn sighed. His anger had gone and a dull, hopeless dejection had taken its place. He felt as if he and Gerald were accomplices in a plot against Grace, and did not resent the lad's insinuation that they stood together. The Osborns did stand together, and he hoped Grace would see her duty.

"Well," he said, "the payment is not due just yet. I'll wait a little and then write to the fellow."

It was a relief to put the thing off, but he found no comfort as the days went by, and although he shrank from taking Mrs. Osborn into his confidence, his moody humor gave her a hint. Besides, he was not clever at keeping a secret and now and then made illuminating remarks. Mrs. Osborn, although reserved, was shrewd and she and Grace, without consulting each other, speculated about the trouble that obviously threatened the house. By degrees, their conjectures got near the truth and at length Mrs. Osborn nerved herself to ask her husband a few blunt questions. He had not meant to tell her all until he was forced, but was taken off his guard and told her much. Afterwards she sent for Grace.

When Grace heard the story her face got very white and she looked at her mother with fear in her eyes.

"I suspected something, but this is worse than I thought," she said in a low strained voice. "But Alan is an old friend; it is not very much for him to do and perhaps he will be generous."

Mrs. Osborn was sitting rather limply on the stone bench on the terrace, but she roused herself.

"He is hard and I think will understand what his help is worth. He knows there is nobody else. Besides, if we accept this favor, we cannot refuse—"