"Did you hear that funny story," retorted Exham, "about Wyndham's life being insured?"

"No, what?—Most men insure their lives when they marry."

"Yes, but this is quite out of the common. At four offices, and heavily. It filtered to me through one of the clerks at the office. He said it was all Paget's doing."

"What a villain that clerk must be to let out family secrets," responded Power. "I don't believe there's anything in it, Exham. Ah, here comes the young ladies. Yes, Mrs. Johnstone, I should like to go for a drive very much."

CHAPTER XII.

Some people concern themselves vey much with the mysteries of life, others take what good things fall into their way without question or wonder. These latter folk are not of a speculating or strongly reasoning turn; if sorrow arrives they accept it as wise, painful, inevitable—if joy visits them they rejoice, but with simplicity. They are the people who are naturally endowed with faith—faith first of all in a guiding providence, which as a rule is accompanied by a faith in their fellow men. The world is kind to such individuals, for the world is very fond of giving what is expected of it—to one hate and distrust, to another open-handed benevolence and cordiality. People so endowed are usually fortunate, and of them it may be said, that it was good for them to be born.

All people are not so constituted—there is such a thing as a noble discontent, and the souls that in the end often attain to the highest, have nearly suffered shipwreck, have spent with St. Paul a day and a night in the deep—being saved in the end with a great deliverance—they have often on the road been all but lost. Such people often sin very deeply—temptation assails them in the most subtle forms, many of them go down really into the deep, and are never in this life heard of again—they are spoken of as "lost," utterly lost, and their names are held up to others as terrible warnings, as examples to be shunned, as reprobates to be spoken of with bated breath.

It may be that some of these so-called lost souls will appear as victors in another state; having gone into the lowest depths of all they may also attain to the highest heights; this, however, is a mystery which no one can fathom.

Gerald Wyndham was one of the men of whom no one could quite say it was good for him to have been born. His nature was not very easily read, and even his favorite sister Lilias did not quite know him. From his earliest days he was so far unfortunate as never to be able to take things easily; even in his childhood this characteristic marked him. Sorrows with Gerald were never trivial; when he was six years old he became seriously ill because a pet canary died. He would not talk of his trouble, nor wail for his pet like an ordinary child, but sat apart, and refused to eat, and only his mother at last could draw him away from his grief, and show him it was unmanly to be rebellious.