"Yes—indeed, yes! . . . and, Phil—she—I don't know how to say it—but she—when she spoke of—of you—begged me to try to be like you. . . . And it is a lie what people say about her!—what gossip says. I know; I have known her so well—and—I was like other men—charmed and fascinated by her; but the women of that set are a pack of cats, and the men—well, none of them ever ventured to say anything to me! . . . And that is all, Philip. I was horribly in debt to Neergard; then Ruthven turned on me—and on her; and I borrowed more from Neergard and went to her bank and deposited it to the credit of her account—but she doesn't know it was from me—she supposes Jack Ruthven did it out of ordinary decency, for she said so to me. And that is how matters stand; Neergard is ugly, and grows more threatening about those loans—and I haven't any money, and Mrs. Ruthven will require more very soon—"

"Is that all?" demanded Selwyn sharply.

"Yes—all. . . . I know I have behaved shamefully—"

"I've seen," observed Selwyn in a dry, hard voice, "worse behaviour than yours. . . . Have you a pencil, Gerald? Get a sheet of paper from that desk. Now, write out a list of the loans made you by Neergard. . . . Every cent, if you please. . . . And the exact amount you placed to Mrs. Ruthven's credit. . . . Have you written that? Let me see it."

The boy handed him the paper. He studied it without the slightest change of expression—knowing all the while what it meant to him; knowing that this burden must be assumed by himself because Austin would never assume it.

And he sat there staring at space over the top of the pencilled sheet of paper, striving to find some help in the matter. But he knew Austin; he knew what would happen to Gerald if, after the late reconciliation with his ex-guardian, he came once more to him with such a confession of debt and disgrace.

No; Austin must be left out; there were three things to do: One of them was to pay Neergard; another to sever Gerald's connection with him for ever; and the third thing to be done was something which did not concern Gerald or Austin—perhaps, not even Ruthven. It was to be done, no matter what the cost. But the thought of the cost sent a shiver over him, and left his careworn face gray.

His head sank; he fixed his narrowing eyes on the floor and held them there, silent, unmoved, while within the tempests of terror, temptation, and doubt assailed him, dragging at the soul of him, where it clung blindly to its anchorage. And it held fast—raging, despairing in the bitterness of renunciation, but still held on through the most dreadful tempest that ever swept him. Courage, duty, reparation—the words drummed in his brain, stupefying him with their dull clamour; but he understood and listened, knowing the end—knowing that the end must always be the same for him. It was the revolt of instinct against drilled and ingrained training, inherited and re-schooled—the insurgent clamour of desire opposed to that stern self-repression characteristic of generations of Selwyns, who had held duty important enough to follow, even when their bodies died in its wake.

And it were easier for him, perhaps, if his body died.

He rose and walked to the window. Over the Bay of Shoals the fog was lifting; and he saw the long gray pier jutting northward—the pier where the troopships landed their dead and dying when the Spanish war was ended.