'I don't know that it is, for I couldn't afford it very often,' remarked his brother cheerfully.

'Pshaw! I've no patience with such rubbish! You could afford it fast enough if you didn't waste all your money in pensioning off half your old incapables and keeping the others at work, and going on as if you ran a mill for the benefit of the hands,' said the millionaire.

'So I do, I hope,' replied his brother, with the same good-humoured twinkle in his eye.

'Then I suppose you'll be giving them all the profits next, and we shall see you working as a hand yourself?' said Mark Clay, in a tone that implied his expectation of such a thing, as, indeed, was the case.

Mr William Howroyd laughed quietly. 'I shall keep the head of Howroyd's Mill as long as I live, as my father was before me, and his father before him, and I shall look after the old folks as they did, and, as I hope, those that'll come after me will do.'

There was silence for a moment, for Mr Howroyd was not married, and they wondered who would come after him. Mark Clay thought the mill should be made into a company with his; but William Howroyd had very decidedly declined to entertain that idea.

So it happened that it was with these words in their ears that they came into sight of the beautiful ruins of Fountains Abbey, built by those who acted upon the same principles.

Horatia had sat between Mr and Mrs Clay all the way; but the minute they arrived she caught Sarah by the arm and said, 'Come and explore the ruins, and let us find a place and take a sketch of it.'

'We must stop with the others,' said Sarah.

'Oh no, we needn't; you are only saying that because you are cross with me, and it's no good, because I can't help the things that you don't like in me. And besides, I want to talk to you.'