Suppose, on a fine evening, a ship, with a crash like a cannon, tears open her planks on a hidden rock, and the water gushes and whirls above the knees, the waists, the throats of the polite people round the tea-table in the state-cabin, without so much as time interposed to say God bless us! between the warning and the catastrophe, and you have our case!

Young ladies, you live in a vague and pleasant dream. Gaslight in your hall and lobbies, wax lights, fires, decorous servants, flowers, spirited horses, millinery, soups and wines, are products of nature, and come of themselves. There is, nevertheless, such a thing as poverty, as there is such a thing as death. We hold them both as doctrines, and, of course, devoutly believe in them, but when either lays its cold hand on your shoulder, and you look it in the face, you are as much appalled as if you had never heard its name before.

Carelessness, indolence, a pleasurable supineness, without any other grievous fault or enormous mistake, had, little by little, prepared all for the catastrophe. Mamma was very ill that night. In the morning Mr. Forrester came again. Mamma could not see him; but I had a long interview with him. He was very kind. I will tell you, in a few words, the upshot of our conference.

In the first place, the rather startling fact was disclosed that we had, in the world, but nine pounds, eight shillings, which mamma happened still to have in her purse, out of her last money for dress. Nine pounds, eight shillings! That was all that interposed between us and the wide republic of beggary. Then Mr. Forrester told me that mamma must positively leave the house in which we were then residing, to avoid being made, as he said, "administratrix in her own wrong," and put to great annoyance, and seeing any little fund that relations might place at her disposal wasted in expenses and possible litigation.

So it was settled we were to leave the house, but where were we to go? That was provided for. Near High Holborn, in a little street entered between two narrow piers, stood an odd and ancient house, as old as the times of James the First, which was about to be taken down to make way for a model lodging-house. The roof was sound, and the drainage good, that was all he could say for it; and he could get us leave to occupy it, free of rent, until its demolition should be commenced. He had, in fact, already arranged that for mamma.

Poor papa had owed him a considerable sum for law costs. He meant, he said, to remit the greater part of it, and whatever the estate might give him, on account of them, he would hand over to mamma. He feared the sum would be a small one. He thought it would hardly amount to a hundred pounds, but in the meantime she could have fifty pounds on account of it.

She might also remove a very little furniture, but no more than would just suffice, in the scantiest way, for our bed-rooms and one sitting-room, and such things as a servant might take for the kitchen. He would make himself responsible to the creditors for these.

I need not go further into particulars. Of course there were many details to be adjusted, and the conduct of all these arrangements devolved upon me. Mr. Forrester undertook all the dealings with the servants whom it was necessary to dismiss and pay forthwith.

The house was now very deserted. There was no life in it but that feverish fuss like the preparations that condemned people make for their executions. The arrangements for our sorrowful flight went on like the dismal worry of a sick dream. In our changed state we preferred country servants, and I wrote for good old Rebecca Torkill and one of her rustic maids at Malory, who arrived, and entered on their duties the day before our departure. How outlandish these good creatures appeared when transplanted from the primitive life and surroundings of Malory to the artificial scenes of London! But how comfortable and kindly was their clumsiness, compared with the cynical politeness and growing contempt of the cosmopolitan servants of London!

Well, at last we were settled in our strange habitation. It was by no means so uncomfortable as you might have supposed. We found ourselves in a sitting-room of handsome dimensions, panelled with oak up to its ceiling, which, however, from the size of the room, appeared rather low. It was richly moulded, after the style of James the First's reign, but the coarse smear of newly-applied whitewash covered its traceries.