The Terrace had by no means a prosperous look, a little fresh paint and cleaner blinds would have been improvements. Nevertheless, people lived out harmless lives there, and on the whole were tolerably contented with their lot.

When Marcus Luttrell made that fatal mistake of marrying in haste and repenting at leisure, things had not looked so badly with him. He had bought his partnership and had a little money in hand, and Olivia had had sufficient for her modest trousseau. How could either of them have suspected that the partnership was a deceit and a fraud—that old Dr. Slade had let Marcus in for a rotten concern—that no paying patients would crowd the small dining-room—and that two years of professional profits would be represented in shillings? Now and then when he was tired and discouraged Dr. Luttrell would accuse himself of rashness and folly in no measured terms.

"Your Aunt Madge is right, Olive," he would say, "we have been a couple of fools; but I was the biggest. What business had I to tempt Providence in this way? I do believe when a man is in love he loses his judgment; look at the life to which my selfishness has condemned you. You will be an old woman before your time, with the effort to make a sixpence go as far as a shilling! And there is Dot——" And here the young doctor sighed and frowned, but Olivia, who had plenty of spirit, refused to be depressed.

"You took me from such a luxurious home, did you not, Marcus?" she would say, with a genial laugh. "A hard-working daily governess leads such an enjoyable life, and it was so exhilarating and refreshing to sit in one's lodgings of an evening, with no one to care if one were tired and dull. Yes, dear old boy, of course I was ever so much happier without you and Dot to worry me——" And, somehow, at these cheering words the harassed frown on Marcus's brow relaxed.

Had he been so wrong after all. How could he know that old Slade would prove a rogue and a humbug; it would have been wiser to wait a little, but then human nature is liable to make mistakes, and in spite of it all, they had been so happy. Olive was such a splendid companion, she had brains as well as heart. Yes, he had been a fool, but he knew that under like circumstances many a man would have done the same.

He remembered the events that had led to their hasty marriage. Olivia had not long lost her mother, the widow's annuity had died with her, and Olivia, who had only her salary as a daily governess in a large family, had just moved into humbler lodgings.

He had gone round with some flowers and a book that he thought would interest her, and as she came forward to greet him, he could see her eyes were red and swollen.

"What is it, dear?" he had asked, kindly, and then the poor girl had utterly broken down.

"Oh, Marcus, what shall I do?" she said, when her sobs would allow her to speak. "I cannot bear it; it is all so dull and miserable. I am missing mother and I am so tired, and the children have been so cross all day." And Olivia, whose nerves were on edge with the strain of grief and worry, looked so pallid and woebegone that Marcus had been filled with consternation. Never had he seen his sweetheart in such distress, and then it was that the suggestion came to him.

Why should they both be lonely? Olivia could marry him and do her work as well, and there need be no more dull evenings for either of them.