“The Great Smash,” repeated Mrs. Ogilvie, aghast. All the colour had gone out of her face. She turned from one to the other with dismay. “Then am I to understand that it has come to that?” she cried, with despair in her looks. “Oh! Effie, Effie, do you hear them? The Great Smash!”

“Who said that?” said another voice—a soft voice grown harsh, sweet bells jangled out of tune. There had been a little nervous movement of the handle of the door some moments before, and now Mrs. Dirom came in quickly, as if she had been listening to what was said, and was too much excited and distracted to remember that it was evident that she had been listening. She came in in much haste and with a heated air.

“If you credit these silly girls you will believe anything. What do they know? A Great Smash—!” Her voice trembled as she said the words. “It’s ridiculous, and it’s vulgar too. I wonder where they learned such words. I would not repeat them if I could help it—if it was not necessary to make you understand. There will be no Smash, Mrs. Ogilvie, neither great nor small. Do you know what you are talking of? The great house of the Diroms, which is as sure as the Bank of England? It is their joke, it is the way they talk; nothing is sacred for them. They don’t know what the credit of a great firm means. There is no more danger of our firm—no more danger—than there is of the Bank of England.”

The poor lady was so much disturbed that her voice, and, indeed, her whole person, which was substantial, trembled. She dropped suddenly on a chair, and taking up one of the Japanese fans which were everywhere about, fanned herself violently, though it was late November, and the day was cold.

“Dear me,” said Mrs. Ogilvie, “I am sorry if I have put you about; I had no thought that it was serious at all. I just asked the question for conversation’s sake. I never could have supposed for a moment that the great house, as you say, of Dirom and Co. could ever take it in a serious light.”

Upon this poor Mrs. Dirom put down her fan, and laughed somewhat loudly—a laugh that was harsh and strained, and in which no confidence was.

“That is quite true,” she said, “Mrs. Ogilvie. You are full of sense, as I have always said. It is only a thing to laugh at. Their papa would be very much amused if he were to hear. But it makes me angry when I have no occasion to be angry, for it is so silly. If it was said by other people I should take it with a smile; but to hear my own children talking such nonsense, it is this that makes me angry. If it was anyone else I shouldn’t mind.

“Oh, yes,” said Mrs. Ogilvie, “I understand that; for if other people make fools of themselves it is of no particular consequence; but when it’s your own it’s a different matter. But Miss Doris, I suppose, has just taken a notion into her head, and she does not care what it costs to carry it out. Effie, now, really we must go. It is getting quite dark, the days are so short. No, I thank you, we’ll not take any tea; for Mr. Ogilvie has taken a habit of coming in for his cup of tea, and he just cannot bear us to be away. When a man takes a notion of that kind, the ladies of his family just have to give in to it. Good-bye, young ladies, good-bye. But I hope you’ll not be disappointed to find that there’s no Great Smash coming; for I don’t think that I should relish it at all if it was me.”

They had a silent drive home. Effie had so many thoughts at that moment that she was always glad, when she could, to return into them. She thought no more of the Great Smash than of any other of the nonsensical utterances which it might have pleased Doris to make. Indeed, the Great Smash, even if it had been certain, would not have affected her mind much, so entirely unconscious was she what its meaning might be. She retired into her own thoughts, which were many, without having received any impression from this new subject.

But it vaguely surprised her that her stepmother should be so silent. She was so accustomed to that lively monologue which served as a background to all manner of thoughts, that Effie was more or less disturbed by its failure, without knowing why. Mrs. Ogilvie scarcely said a word all the way home. It was incredible, but it was true. Her friends would scarcely have believed it—they would have perceived that matters must have been very serious indeed, before she could be reduced to such silence. But Effie was heedless, and did not ask herself what the reason was.