"Charley," said he in very subdued tones, "I have not the money to pay with. You know I haven't. If it's much, it will ruin me."

"But it is not much, father," returned Charles, his own anger disarmed and contrition taking its place. "There may be one or two more trifling bills; nothing to speak of."

"What on earth made you run them up?"

"I'm sure I don't know; and I am very sorry for it," said Charles. "These things accumulate in the most extraordinary manner. When you fancy that you owe only a few shillings at some place or another, it turns out to be pounds. You have no idea what it is, father!"

"Have I not!" returned the major, significantly. "It is because I have rather too much idea of the insidious way in which debt creeps upon one, that I should like to see you keep out of its toils. Charley, my boy, I have been staving off liabilities all my life, and haven't worried myself in doing it; but it is beginning to tell upon me now. My constitution's changing. I suppose I must be growing fidgety."

"Well, don't let this worry you, father. It's not so very much."

"Much or little, it must be paid. I don't want my son to get into bad odour at college; or have 'debtor' attached to his name. You are young for that, Mr. Charles."

Charles remained silent. The major was evidently in blissful ignorance of the latitude of opinion current amongst Oxonians.

"Go back and dress yourself, Charles; and get your breakfast over; and then, just sit down and make out a list of what it is you owe, and I'll see what can be done."

Now in the course of this same morning it chanced that Frank Raynor took occasion to speak to his uncle about money matters, as connected with his own prospects, which he had not previously entered upon during his present stay. The major was pacing his study in a gloomy mood when Frank entered.