"The promptness of that reply shows that he does not expect a fortune with Clemmy," thought Mr. Whedell.

"He must suspect--perhaps already knows--the truth," thought Chiffield. "How kind in him to spare me the least humiliation!"

"That person is truly rich," continued Mr. Whedell, "rich beyond expression, who brings pure love and exalted virtues into the married state."

"Generous father-in-law!" thought Chiffield. "He knows that I am ruined. Yet how nobly he treats me! I may cast away all reserve now."

"It would be an affectation, sir," said Chiffield, aloud, "to pretend that I do not understand to whom you refer, my dear father-in-law."

"The glorious fellow!" thought Mr. Whedell. "He guesses what I am about to disclose, and yet calls me a dear father-in-law."

Chiffield continued: "To save any further circumlocution, sir, and in order that we may fully understand each other, I will say at once, that we are completely--ruined!"

"Ha! What! Who ruined?"

"The house of Upjack, Chiffield & Co. I--I thought you knew it."

"Ruined, sir!" cried Mr. Whedell, livid with horror. He choked for further utterance.