Frank Mowbray was one of the young men, fitly described by the unenthusiastic, but just populace, as “no an ill callant.” He was not very wise, not very clever, but he was also not “ill,” in any sense of the word; a good-hearted, good-tempered, easy-going young man, willing to save himself trouble, by letting others, and especially his mother, manage his affairs for him, but no grumbler, accepting the consequences of that situation with great equanimity, allowing himself to be more or less governed, and obeying all the restrictions of his mother’s house, as if he had been the most dependent of sons. This may seem to indicate a want of spirit on his part; but it was rather a spirit of justice and fair dealing, as well as the result of a gentle and contented temperament.

Frank had no desire whatever to revolt. His mother’s sway had been very light upon him: had he been what he was not, inclined towards dissipation, so long as it had been carried on among what she called “the right sort of people,” I am inclined to believe that Mrs. Mowbray would rather have liked it than otherwise; but that would have been perhaps because she did not know what it was, and liked to see her son’s name among the names of the great, on whatsoever excuse. She would rather have had Frank conspicuous by the side of a young duke, than known to the world in the most virtuous circumstances, as the companion of lesser men; but Frank did not accept, nor was he even aware of, this tacit license to do evil, so long as it was fashionably done. He had not the slightest leaning towards dissipation—he was one of those young men whom perhaps we undervalue in theory, though in action they are the backbone of the race, who seem to be inaccessible to the ordinary temptations. Had he been offered the choice of Hercules, he would certainly, by inclination, have offered his arm to Madam Virtue, and waved away dishevelled Pleasure, however pretty, with the most unfeigned indifference: he did not care for that sort of thing, he would have said: and this insensibility was better than coat armour to him. It is common to believe that a boy, brought up as he had been, at the apron-strings of his mother, is open to every touch of temptation, and apt to find the fascination of a disorderly life irresistible; but, howsoever Frank had been brought up, the issue would have been the same—he was “no an ill callant”—he was not led away by fancies, either for good or evil, quite disposed to be kind, but never lavish in generosity; not prodigal in anything, able to balance the pros and the cons, and to accept the disadvantages with the advantages. Perhaps it was not a character to excite any great enthusiasm, but it was one that was very easy to live with, and could not have inspired any serious anxiety in the most fanciful and susceptible of minds.

Frank went out that evening to meet some of his daily companions with a great deal in his mind, but not any panic or dismay. He would not believe that the “Scotch property” could have been all frittered away by the loans which his old uncle had made, however imprudent or foolish the old man might have been in that way. He had, indeed, so just and calm a mind, that he did not harshly condemn Mr. Anderson for making these loans as his mother did; he was even willing to allow that a man had a right to do what he liked with his own, even if he had a grand-nephew to provide for, especially one who was not entirely dependent upon him, but had already a comfortable provision of his own. As he went out into the evening air, and strolled towards the club of which he was a member, and where, as I have said, the young men, who were not yet members, had a way of meeting outside, and under the verandah, arranging their matches for next day, and talking out their gossip like their elders within—he turned over the matter in his mind, and reconciled himself to it. It is foolish, he said to himself, to lend your money without interest, and without a proper certainty of one day getting it back—but still the old gentleman had no doubt his reasons for doing this, and might have had his equivalent or even been paid back without anybody knowing, as nobody knew who the borrowers were: and at the worst, if the money was lost, it was lost, and there was an end of it, and no need to upbraid poor old uncle, who probably thought himself quite entitled to do what he liked with his own. He did not believe that the estate could have been seriously impoverished in any such manner; but he thought that he might perhaps make inquiries in his own way, and even consult Mr. Buchanan, who probably would be willing enough to help him, though he might not perhaps feel disposed to respond to Mrs. Mowbray’s more urgent appeals. Frank, of course, knew his mother’s weak points, as all our children do, with an unerring certainty produced by the long unconscious study of childhood of all we say and do. His affection for her was quite unimpaired, but he knew exactly how she would address herself to the minister, with a vehemence and an indignation against Uncle Anderson, which Frank was impartial enough to feel, was not deserved. He would approach him quite differently—as a man to a man, Frank said to himself—and if there was really anything to be done in that way, any bloated debtor, as his mother supposed, who had grown fat on Uncle Anderson’s bounty, and was not honourable enough to pay back what had been the origin of his fortune—why, the minister would probably tell him, and that would be so much gained.

When he thought, however, of thus meeting the minister in private session, Frank’s orderly and steady heart beat a little higher. Before all questions of Uncle Anderson’s debtors, there was one of much more importance—and that was the question of Elsie, which meant far more to Frank than money, or even the whole of the Scotch property—at least he thought so for the moment: but things were by no means so far advanced as to justify him in asking an interview with Mr. Buchanan on that subject. Alas! no, Elsie was never in the same mind (he thought) for any two meetings. Sometimes she was delightful to him, accepting his attentions; which, however, were no more than were paid to her by several other admirers as if she liked them, and giving him dances, almost as many as he asked, and allowing him to walk by her side in the weekly promenade on the Links, and talking to him sweetly, whatever his company might be: but next time they met, Elsie would be engaged for every dance, she would be flanked by other competitors on each side, and if she gave Frank a bow and a smile in passing, that would be all he obtained from her—so that if he were sometimes high in hope, he was at others almost in despair. Should he ever be allowed to see Mr. Buchanan on the subject, to ask his daughter from him? Ah, that depended! not upon Frank, but upon Elsie, who was no longer a little girl, but at the height of her simple sway, one of the prettiest girls in St. Rule’s, and enjoying the position, and with no intention of cutting it short. Frank breathed a sigh, that almost blew out the lamps in the High Street, lamps already lighted, and shining in the lingering daylight, like strange little jewelled points, half green, half yellow. The electric light shines white in that street now, and makes the whole world look dead, and all the moving people like ghosts. But the lamps then were like jewels, with movement and consciousness in them, trembling in the colourless radiance of the long evening: for it was now summer weather, and already the days were long.

When the assembly outside the club dispersed, it happened to be Frank’s luck to walk up the town with Rodie Buchanan, whose way was the same as his own. They went round by the West Port, though it was out of their way, to convoy Johnny Wemyss to his lodgings. Johnnie did not make matches for next day, except at rare intervals, for he was busy, either “coaching” his pupils (but that word had not then been invented), or working (as he called it) on the sands with his net and his “wee spy-glass,” playing himself, the natives called it: or else he was reading theology for the next examination; but he allowed himself to walk down to the club in the evening, where all the young men met.

Johnny was not much younger than Frank, but he was paternal to the others, having the airs and aims of a man, and having put, chiefly by necessity, but a little also by inclination, boyish things from him; he was as much in advance of Frank as he was of Rodie, who had not yet attained his twentieth year.

The night was lovely, clear, and mild, and they made the round by the West Port very pleasantly together, and stood for a long time at the stairfoot of Johnny’s humble lodging, which was in one of the old-fashioned square two-storied houses at that end of the town, which still retained the picturesque distinction of an outside stair. It was not thought picturesque then, but only old-fashioned, and a mark of poverty, everybody’s ambition being to have a more modern and convenient house. The young men continued to discuss the matches past and present, and how Alick Seaton was off his game, and Bob Sinclair driving like fire, and the Beatons in force playing up to each other, so that they were awfully hard to beat in a foursome. Johnny took the interest of a born golfer in these particulars, though he himself played so little; and Frank, on ordinary occasions, had all the technicality of a neophyte, and outdid his more learned companions in all the terms of the game.

But when they had left Johnny at his stairfoot, and, looking back, had seen the light of his candles leap into the darkness of the window, and wondered for a moment how he could sit down to work at this hour, they proceeded along the long line of the High Street for a minute or two in silence. Rodie was taller, stronger, and heavier than Frank, though so much younger, and had a little compassionate sympathy for the fellow, who, at his antiquated age, four-and-twenty, was still only a beginner at golf.

The big youth was considering how to break down certain well considered advices for future play into terms adapted for the intellect of his elder, when Frank suddenly took the word, and began thus:

“I say, Rodie! do you remember my old Uncle Anderson, and do you know anything about him? he must have been a queer old chap, if what my mother has been telling me is true about him.”