"I am, sir, your obedient servant,

"Gerald Warburton."

This letter, addressed to Matthew Kelvin, was sent under cover by Gerald to a friend in London, from whose house it was professedly written, with a request that it might be posted.

Four days later, through the hands of his London friend, Gerald received the following answer:--

"Sir,--

"In reply to your favour of the 25th inst., I regret to inform you that the state of Mr. Kelvin's health at the present time is such as to entirely preclude him from giving any attention to matters of business. He hopes, however, to be sufficiently recovered in the course of a few days to be able to reply fully to the questions contained in your letter.

"I am, sir, respectfully yours,

"John Bowood."

Gerald's letter to Kelvin had been marked "Private." All letters not so marked were opened by Mr. Bray, the chief clerk. The private letters were picked out and sent upstairs. Kelvin, at this time, was so ill that Olive was deputed to open these letters, and read them aloud to him, and pencil down his remarks respecting such of them as required answering. Thus it fell out that Gerald's letter reached her among a number of others one morning. She always opened the letters and read them over herself before submitting them to her cousin, by which means she could often give him the pith of a letter without troubling him with unnecessary details.

Gerald's letter startled her not a little. It was requisite that she should have time to think it over, and to consider in what way it might or might not interfere with her own special plans; so she slipped it quietly into her pocket, and said nothing to Kelvin that morning about it.