He knew he was embarrassed, he knew why he was embarrassed, and he thought he should have no difficulty in clearing himself of those embarrassments.

And, in truth, had he been a wise man he might have done so. If, after the death of his brother, which occurred about seven years subsequent to his own marriage with Dolly, he had faced his position, there would have been no story to tell about him or his estate either; but instead of doing that, he drifted—there are hundreds and thousands in business, in love, on sea or land, who when an emergency comes, always drift—and always make ship-wreck of their fortunes and their lives in consequence.

For years he had helped his step-brother by going security for him, by lending his name, by giving him money, by paying his debts. Somehow the security had never involved pecuniary outlay. The loan of the name had been renewed, passed into different channels, held over, manipulated in fact by Mr. Richard Halling, until, in very truth, Mortomley, at best as wretched a financier as he was an admirable inventor, knew no more than his own daughter how accounts stood between him and the man who had been his mother's favourite son.

One day, however, Mr. Richard Halling caught cold—a fortnight after, he was dead. The debts he left behind him were considerable; his effects small. To Mortomley he bequeathed the former, together with his son and daughter. Of his effects the creditors took possession.

The event cut up Mr. Mortomley considerably. He was a man who, making no fresh friends, felt the loss of relatives morbidly.

He returned from the funeral looking like one broken-hearted, and brought back with him to Homewood his nephew and niece, who were to remain there "until something definite could be settled about their future."

To this arrangement Dolly made no objection. Dolly would not have objected had her husband suggested inviting the noblemen composing the House of Lords, or a regiment of soldiers, or a squad of workhouse boys. People came and people went. It was all the same to Dolly.

CHAPTER VI.

MRS. MORTOMLEY IS ADVISED FOR HER GOOD.

"My dear, you never mean to tell me Richard Halling's son and daughter are here for an indefinite period." It was Mrs. Werner who, dressed in a light summer muslin, which trailed behind her over the grass, addressed this remark to Mrs. Mortomley attired in deep mourning—barathea and crape trailing behind her likewise.