"Of course, mamma would have all my books and caskets, and boxes and things," she said thoughtfully; "and I should like Diana Paget to have some of my jewellery, please, Mr. Sheldon. Mamma has plenty, you know."

"There is no occasion to talk of that, Charlotte," replied the stockbroker. "This will is only a matter of form."

Mr. Sheldon omitted to inform his stepdaughter that the instrument just executed would, upon her wedding-day, become so much waste paper, an omission that was not in harmony with the practical and careful habits of that gentleman.

"Yes, I know that it is only a form," replied Charlotte; "but, after making a will, one feels as if one was going to die. At least I do. It seems a kind of preparation for death. I don't wonder people rather dislike doing it.

"It is only foolish people who dislike doing it," said Mr. Sheldon, who was in his most practical mood to-day. "And now we will go and arrange a more agreeable business—the transfer of the shares."

After this, there was a little commercial juggling, in the form of signing and countersigning, which, was quite beyond Charlotte's comprehension: which operation being completed, she was told that she was owner of five thousand pounds in Unitas Bank shares, and that the dividends accruing from time to time on those shares would be hers to dispose of as she pleased.

"The income arising from your capital will be more than you can spend so long as you remain under my roof," said Mr. Sheldon. "I should therefore strongly recommend you to invest your dividends as they arise, and thus increase your capital."

"You are so kind and thoughtful," murmured Charlotte; "I shall always be pleased to take your advice." She was strongly impressed by the kindness of the man her thoughts had wronged.

"How difficult it is to understand these reserved, matter-of-fact people!" she said to herself. Because my stepfather does not talk sentiment, I have fancied him hard and worldly; and yet he has proved himself as capable of doing a noble action as if he were the most poetical of mankind.

Mrs. Sheldon had been told that Charlotte was going into the City to choose a new watch, wherewith to replace the ill-used little Geneva toy that had been her delight as a schoolgirl; and as Charlotte brought home a neat little English-made chronometer from a renowned emporium on Ludgate-hill, the simple matron accepted this explanation in all good faith.