“Father, you are wrong— Oh, but you must hear me,” she said, as he raised his hand deprecatingly and took up his newspaper. “You must not misunderstand. I told Mr Armstrong of your difficulties, and who your creditor was. I told him no more. My only object was to see if there was any way to help you.”

“You mean to tell me,” said he, interrupting in an angry voice, “that you considered it consistent with your duty as a daughter to gossip about my private affairs with a scoundrel who—”

“No, father,” she said. “Mr Armstrong is a gentleman—”

“Naturally you say so. But enough of this. I forbid you, as I have already done, to hold any communication with Mr Armstrong. Know that, of the two men, the man you affect to scorn is infinitely less a villain than this smug hypocrite. Go!”

She made no reply, but went, choking with misery and a smarting sense of injustice. No longer was it easy to hug herself into the delusion that this was all a horrid dream. Her father stood on the brink of ruin, and she could not help him.

“If only,” said she, “it had been anything else! O God, pity my poor father!”

The captain’s thoughts were of a very different kind. He had clung to the hope that Rosalind would after all solve his difficulties by undertaking the venture he had set before her. He had already in imagination soothed his own conscience and smoothed away all the difficulties which beset the undertaking.

“It might be for her good, after all, dear girl! She will reclaim him. A fortune lies before them; for Roger will be easily convinced, and will surrender his claim to them. Ratman is too long-sighted not to see that I can help him in the matter, and that on my own terms. We shall start fresh with a clear balance-sheet, and live in comfort.” Now, however, these bright hopes were dashed, and to the captain’s mind he owed his failure, first and last, to Mr Frank Armstrong. Had he not come home, he said to himself, Rosalind would have yielded.

With him still at Maxfield everything came to a dead lock. Ratman could not be propitiated, still less satisfied. The accounts would be restlessly scrutinised.

Rosalind, and in less degree Tom and Jill, would be mutinous. Roger, at home or abroad, would be beyond reach.