"A great trouble has come to us."

"A great trouble, my dear, what do you mean?"

"Mother thinks it a fearful trouble, and I suppose it is, but anyhow there are two ways of taking it. There is the sinking-down way, which means getting small and poor and thin, anaemic, in short, and there is the bold way, the sort of way when you stand up to a thing, you know what I mean."

"You are talking school-boy language. My grandson Ralph would understand you; he is here; do you want to see him? I am a little too busy for riddles, Westenra."

"Oh! I do beg your pardon. I know I am taking a great liberty: no one else would come to you at so early an hour."

"Well, speak, my dear."

"We have lost our money."

"Lost your money!" cried the Duchess.

"Yes; everything, or nearly everything. It was through some bad investments, and mother was not at all to blame. But we have nothing left, or nearly nothing—I mean we have a hundred and fifty a-year, about the price of one of your dresses."

"Don't be personal, Westenra—proceed."