“In that case, madam, you would be rather under than over the truth in your estimate,” said the baronet, bowing with increased tenderness of manner, and bringing his chair so close to that of his visitor that she drew back a little, with a movement half-startled, half-coquettish. “We must speak low,” the baronet hastened to say; “this room is not quite so secluded as I could wish, and curious ears ... but to the point! This property—”

“I feel so helpless,” said the lady, leaning forward with an impulse of confidence. “I do not care for money: I do not understand its value, nor how to manage it. I am overwhelmed with this responsibility, which I would gladly have escaped. But my husband’s will was very stringent and precise in its terms, and I have no choice but to accept the burden he has laid upon me.”

“Very right, my dear madam: your sentiments do you every honor. ’Tis a responsibility, indeed, but one which, with good advice, you can easily support. I may say, without vanity, that my experience in matters of finance is as extensive—”

“Oh, sir, I am already convinced of it,” interposed the lady cordially. “Your reputation is as high on the Continent as here. A friend of my husband’s—known, I believe, also to you—counseled me to come to you and to put myself unreservedly in your hands. The name of the gentleman was Mr. Lancaster—Mr. Philip Lancaster, I think.”

“Lancaster! yes, yes,” said Sir Francis, genially. “I have seen Philip—a fine young fellow, though with a turn for poetry; but he is still young. The Lancasters, madam, as I doubt not you are aware, are kin to the Barons Croftus: it is the family name. They are relatives of my own through my late wife, who was a Lancaster. Philip is my nephew by marriage, though not by blood. In sending you to me he has placed me under a very heavy obligation—ahem!”

“You cannot expect me to believe, sir, that the management of a property like that of my late husband can be much of an object to one who is accustomed to lend money to empires.”

“My dear madam, you misapprehend me. The obligation has reference to yourself, not to your property. As to that, I trust you will not think so ill of me as to imagine that I would seek my own profit in any transactions I might be fortunate enough to carry out for you.”

“What you say, sir, persuades me that the English are the most genteel people in the world. And besides,” added the lady, looking down and turning the pearl and diamond ring upon the finger of her ungloved hand, “it relieves me from an embarrassment.” Here she looked up again, and Sir Francis felt the dark eyes meeting his own. He was by this time in a mood to exchange a great deal that financiers hold dear for something not more substantial than a draft upon the bank of sentiment. He had been open to romantic impressions in his youth, and his mature age was not entirely emancipated from occasional bondage of that sort. But never, he thought, in all his experience, had he encountered aught so bewitching in the shape of woman as she who now sat before him. There could be no doubt that she was already extremely well-disposed toward him; and his redoubtable heart, which had seen him through many a tough experience of more kinds than one, actually beat with anticipation as he pictured to himself the felicity that might be in store for him.

“Never!” he exclaimed fervently, laying his hand upon his heart, and allowing the ardor of his feelings to glow through the handsome dignity of his countenance—“never, madam, need you be a prey to any embarrassment from which the utmost of my humble endeavors may suffice to free you.”

“I am convinced of your kindness and goodness; but, dear sir, I am aware that matters of business cannot be controlled by the dictates of generous feeling. For my own part I should never have dreamed of making any stipulations; but, as I observed just now, the directions in my late husband’s will are painfully stringent. I must confess to you that it was not altogether in accordance with his wishes that I should reside in England after his death.”