"Phebe!" she exclaimed, "you here again? Then you can tell me, are the good people of Riversborough gone mad? or is it possible there is an election going on, of which I have heard nothing? Nothing less than an election could rouse them to such a pitch of excitement."

"Have you heard nothing of what they say?" asked Phebe.

"There is such a Babel," she answered; "of course I hear my husband's name. It would be just like him if he got himself elected member for Riversborough without telling me anything about it till it was over. He loves surprises; and I—why I hate to be surprised."

"But he is gone!" said Phebe.

"Yes, he told me he was going to London," she went on; "but if it is no election scene, what is it, Phebe? Why are all the people gathered here in such excitement?"

"Shall I tell you plainly?" asked Phebe, looking steadily into Felicita's dark, inscrutable eyes.

"Tell me the simple truth," she replied, somewhat haughtily; "if any human being can tell it."

"Then the bank has stopped payment," answered Phebe. "Poor Mr. Acton has been found dead in bed this morning; and Mr. Sefton is gone away, nobody knows where. It is the May fair to-day, and all the people are coming in from the country. There's been a run on the bank till they are forced to stop payment. That is what brings the crowd here."

Felicita dropped the curtain which she had been holding back with her hand, and stepped back a pace or two from the window. But her face scarcely changed; she listened calmly and collectedly, as if Phebe was speaking of some persons she hardly knew.

"My husband will come back immediately," she said. "Is not Mr. Clifford there?"