A quarrel with his father (whom he always alluded to as "Royal") reminded him that he was ruined; that he would get no help from the old lord, or from his elder brother, the heir. He was hopelessly in debt; nothing but the will of his creditors stood between him and the fatal hour when he must "send in his papers to sell," and be "nowhere" in the great race of life.

An appeal for money from his young brother, Berkeley, whom he really loved, forced Cecil to look, for the first time, blankly in the face of ruin that awaited him.

Berkeley, a boy of twenty, had been gambling, and came to Cecil, as he had come often enough before, with his tale of needs. It was £300 Berkeley wanted, and he had already borrowed £100 from a friend--a shameless piece of degradation in Cecil's code.

"It is no use to give you false hopes, young one," said Cecil gently. "I can do nothing. If the money were mine it should be yours at a word. But I am all downhill, and my bills may be called in at any moment."

"You are such chums with Rockingham, and he's as rich as all the Jews put together. What harm could there be if you asked him to lend you some money for me?"

Cecil's face darkened.

"You will bring some disgrace on us before you die, Berkeley," he said. "Have you no common knowledge of honour? If I did such a thing I should deserve to be hounded out of the Guards to-morrow. The only thing for you to do is to go down and tell Royal, he will sell every stick and stone for your sake."

"I would rather cut my throat," said the boy. "I have had so much from him lately."

But in the end he promised to go.

It was hard for Bertie to get it into his brain that he really was at the end of his resources. There still seemed one chance open to him. He was a fearless rider, and his horse, Forest King, was famous for its powers. He entered him for a great race at Baden, and piled on all he could, determined to be sunk or saved by the race. If he won he might be able to set things right for a time, and then family influence ought to procure him an advance in the Guards.