"Of course you do, and you would feel all safe. But what of me? One man don't exactly like to shoulder a responsibility on the strength of another man's knowledge--see? I would consult you myself, friend Jordan, on my own affairs, and go by what you told me, but somehow that seems different from going it blind in another man's business, and making myself responsible for everything some one else may do."

"But, my dear sir, I am as ignorant of Stock Exchange matters as you can possibly be of the law of real property. Suppose we were to divide the proceeds of stocks sold into two parts; you to invest the one-half in stocks and bonds, and I the other in mortgages, and each to furnish the other with particulars of what he had done. You would make a very pretty sum out of your share of the business, and I don't mean to say that I would not do the same out of the other, only as it is the borrower who pays the law costs, my profits would come mostly out of the public, while yours would come out of the estate, so you cannot but say I am well disposed towards you."

"But if we are to sell out the very strongest stocks on the list in fear of a panic, it would be a foolish thing to buy into the weaker ones at the same time."

"Buy American bonds then. You know all about them. So much of United States bonds, as being strong, and so much in bonds of the better individual States, which can be got at a discount now, and will be about par by the time the heir is to receive them. Quite a pretty transaction for you, I should think, general."

The "general" coughed and hummed, and cleared his voice as if about to speak; but so many different words rushed to his lips at once--words of doubt, words of inquiry, refusal and consent--that he could not frame them into speech.

"Think over it, general," Jordan said as they shook hands at parting, "and let me know as soon as you have made up your mind. Something should be done at once."

Considine thought it would be mortifying if the estate left in his charge should suffer diminution or loss simply on account of his own want of enterprise. Of course there were chances both ways, but was it not his business to make gain out of these chances? And had he not secured for himself a snug little fortune by manipulating them for his own advantage? And should he not risk something to save a friend, an old and deceased friend, who would besides, pay brokerage on all he did for him? Considine valued himself, and I doubt not, justly so, on his "high tone;" but he was human, as we who contemplate his conduct also are--and those brokerages did range themselves in his mind among the considerations for and against disturbing old Gerald's investments, and eventually it was on the side with brokerages that his decision fell; but we are not therefore justified in describing Considine with his "tone" as a specious humbug. He meant well, as so many of us do, only he was happy to combine his own advantage with what he--therefore, perhaps--considered the advantage of his trust.

CHAPTER II.

[MARY SELBY MEETS HER DAUGHTER].

Four years later, in a street in Montreal. It had snowed uninterruptedly the day before, in fine dry particles, sifting noiselessly through the air, and filling it with prickly points--not the broad clammy flakes of an insular climate which loiter as they fall, and feel damp and clay-like beneath the passer's feet; but rather an attenuated sand or dust, dimming and pervading the day, and heaping itself in drifts which overspread and bury while you watch, yet cannot reckon how it is they grow. And then it is so dry in its exceeding coldness that it will not wet, and springs and crackles merrily under foot.