She made her way to Whitefriars Road. The Old Bank was not so full as it had formerly been, for immediately after the panic last May a new bank had been opened more in the centre of the town, and a good many of the tradesmen and farmers had transferred their accounts to it. The outer office was fairly busy, but Phebe had not long to wait before being summoned to see Mr. Clifford. The muscles of his stern and careworn features relaxed into something approaching a smile as she entered, and he caught sight of her sweet and frank young face.
"Sit down, Phebe," he said. "I did not hear of your loss before yesterday; and I was just about to send for you to see your father's will. It is in our strong room. You are not one-and-twenty yet?"
"Not till next December, sir," she replied.
"Roland Sefton is the only executor appointed," he continued, his face contracting for an instant, as if some painful memory flashed across him; "and, since he is dead, I succeed to the charge as his executor. You will be my ward, Phebe, till you are of age."
"Will it be much trouble, sir?" she asked anxiously.
"None at all," he answered; "I hope it will be a pleasure; for, Phebe, it will not be fit for you to live alone at Upfold Farm; and I wish you to come here—to make your home with me till you are of age. It would be a great pleasure to me, and I would take care you should have every opportunity for self-improvement. I know you are not a fine young lady, my dear, but you are sensible, modest, and sweet-tempered, and we should get on well together. If you were happy with me I should regard you as my adopted daughter, and provide accordingly for you. Think of it for a few minutes while I look over these letters. Perhaps I seem a grim and surly old man to you; but I am not naturally so. You would never disappoint me."
He turned away to his desk, and appeared to occupy himself with his letters, but he did not take in a single line of them. He had set his heart once more on the hope of winning love and gratitude from some young wayfarer on life's rough road, whose path he could make smooth and bright. He had been bitterly disappointed in his own son and his friend's son. But if this simple, unspoiled, little country maiden would leave her future life in his keeping, how easy and how happy it should be!
"It's very good of you," said Phebe, in a trembling voice; "and I'm not afraid of you, Mr. Clifford, not in the least; but I could not keep from fretting in this house. Oh, I loved them so, every one of them; but Mr. Roland most of all. No one was ever so good to me as he was. If it hadn't been for him I should have learned nothing, and father himself would have been a dull, ignorant man. Mr. Roland learnt to talk to father, and nobody else could talk with him but me. I used to think it was as much like our Lord Jesus Christ as anything any one could do. Mr. Roland could not open father's ears, but he learned how to talk to him, to make him less lonely. That was the kindest thing any one on earth could do."
"Do you believe Mr. Roland was innocent?" asked Mr. Clifford.
"I know he was guilty," answered Phebe sadly. "He told me all about it himself, and I saw his sorrow. Before that he always seemed to me more like what I think Jesus Christ was than any one else. He could never think of himself while there were other people to care for. And I know," she went on, with simple sagacity, "that it was not Mr. Roland's sin that fretted father, but the loss of the money. If he had made six hundred pounds by using it without his consent, and said, 'Here, Marlowe, are twelve hundred pounds for you instead of six; I did not put your money up as you wanted, but used it instead;' why, father would have praised him up to the skies, and could never have been grateful enough."