Whether the gentlemen, commercial and legal no doubt, who concocted the Bankruptcy Act of 1869, and the other gentlemen of the Upper and Lower Houses who made it law, ever contemplated that an utterly irresponsible person should be placed in a responsible position it is not for me to say, but I cannot think that any body of men out of Hanwell could have proposed to themselves that the whole future of a bankrupt's life should be made dependent on the choice of a trustee, since it is simple nonsense to suppose a committee selected virtually by him and the petitioning creditor have the slightest voice in the matter.

And if any man in business whose affairs are going at all wrong should happen to read these lines, which unhappily is not at all probable, since literature at such a time chiefly assumes the form of manuscript, let him remember liquidation means no appeal, no chance of ever having justice done him, nor even, remote contingency,—supposing the trustee a cool hand like Mr. Swanland,—of setting himself right with the business world.

He who goes into liquidation without first being sure of his trustee, his lawyer, and his committee passes into an earthly hell, over the portals of which are engraved the same words as those surmounting Dante's 'Inferno.'

He has left hope behind. God help him, for nothing save a miracle can ever enable him to retrace the path to the spot where she sits immortal.

At Homewood Mr. Swanland was in possession, and yet Dolly never suspected the fact. Her first uneasiness arose from a few words uttered by Mr. Benning.

"I suppose the business will be carried on," he remarked, sitting in the pleasant drawing-room with his feet stretched out towards the fire and his hands plunged in his pockets. Dolly could not avoid noticing that all these dreadful men did keep their hands in their pockets, as if they had no use for them anywhere else. "We must get a manager, I suppose."

Now was Dolly's opportunity.

"The business cannot be carried on except by some one who understands it thoroughly," she said.

"I do not suppose there will be any difficulty about that," he answered. "Competent people are always to be had if one knows how to look for them."