"You speak rather confidently, Mr. Sheldon, as a non-professional man."

"I speak with a certain amount of professional knowledge. I knew Tom
Halliday for many years."

Mr. Sheldon forebore to state that Tom Halliday had died in his house, and had been attended by him. It is, perhaps, only natural that Philip Sheldon, the stockbroker of repute, should wish to escape identification with Philip Sheldon, the unsuccessful dentist of Bloomsbury.

After a little more conversational skirmishing, the confidential physician of the Prudential Step Assurance Company agreed to consider that Mr. Halliday's constitution had been in no manner compromised by his early death, and to pass Charlotte's life. The motives for effecting the insurance were briefly touched upon in Mr. Greenwood's letter of introduction, and appeared very proper and feasible in the eyes of the directors; so, after a delay of a few days, the young lady found herself accepted, and Mr. Sheldon put away among his more important papers a large oblong envelope, containing a policy of assurance on his stepdaughter's life for five thousand pounds. He did not, however, stop here, but made assurance doubly sure by effecting a second insurance upon the same young life with the Widow's and Orphan's Hope Society, within a few days of the first transaction.

Book the Sixth.

DIANA IN NORMANDY.

CHAPTER I.

AT CÔTENOIR.

Beaubocage, near Vevinord, March 15, 186—.

My darling Lotta,—As you extorted from me a solemn pledge that I would write you a full and detailed account of my adventures, I seat myself in Mademoiselle Lenoble's pretty little turret-chamber, in the hope of completing the first instalment of my work before papa or Gustave summons me to prepare for a drive and visit to the Convent of the Sacred Heart, which, I believe, has been planned for to-day.