"Not just the same," said Lucy, "for a tip—that means a sovereign, doesn't it?"

"It sometimes means—paper," said Jock, with some solemnity. "Last time you came to see me at school Sir Tom gave me a fiver——"

"A what?"

"Oh, a five-pound note," said Jock, with momentary impatience; "the other's shorter to say and less fuss. MTutor thought he had better not; but I didn't mind. I don't see why anybody should mind. There's a fellow I know—his father is a curate, and there are no end of them, and they've no money. Fellow himself is on the foundation, so he doesn't cost much. Why they shouldn't take a big tip from you, who have too much, I'm sure I can't tell; and I don't believe they would mind," Jock added, after a pause.

This, which would have inspired Lucy in the days of her dauntless maidenhood to calculate at once how much it would take to make this family happy, gave her a little shudder now.

"I don't feel as if I could do it," she said. "I wish papa had found an easier way. People don't like you afterwards when you do that for them. They are angry—they think, why should I have all that to give away, a little thing like me?"

"The easiest way would be an exam.," said Jock. "Everybody now goes in for exams.; and if they passed, they would think they had won the money all right."

"Perhaps there is something in that, Jock; but then it is not for young men. It is for ladies, perhaps, or old people, or——"

"You might let them choose their own subjects," said the boy. "A lady might do a good paper about—servants, or sewing, or that sort of thing; or housekeeping—that would be all right. MTutor might look over the papers——"

"Does he know about housekeeping?"