'I fancy that she's rather a difficult person to make love to. It would be a bold young man who whispered sweet nothings into her ear; they'd sound so very foolish.'

'At all events there's Bobbie Boulger. I'm sure he's asked her to marry him scores of times.'

Sir Robert Boulger had succeeded his father, the manufacturer, as second baronet; and had promptly placed his wealth and his personal advantages at Lucy's feet. His devotion to her was well known to his friends. They had all listened to the protestations of undying passion, which Lucy, with gentle humour, put smilingly aside. Lady Kelsey, his aunt and Lucy's, had done all she could to bring the pair together; and it was evident that from every point of view a marriage between them was desirable. He was not unattractive in appearance, his fortune was considerable, and his manners were good. He was a good-natured, pleasant fellow, with no great strength of character perhaps, but Lucy had enough of that for two; and with her to steady him, he had enough brains to make some figure in the world.

'I've never seen Mr. Allerton,' remarked Mrs. Crowley, presently. 'He must be a horrid man.'

'On the contrary, he's the most charming creature I ever met, and I don't believe there's a man in London who can borrow a hundred pounds of you with a greater air of doing you a service. If you met him you'd fall in love with him before you'd got well into your favourite conversation on bimetallism.'

'I've never discussed bimetallism in my life,' protested Mrs. Crowley.

'All women do.'

'What?'

'Fall in love with him. He knows exactly what to talk to them about, and he has the most persuasive voice you ever heard. I believe Lady Kelsey has been in love with him for five and twenty years. It's lucky they've not yet passed the deceased wife's sister's bill, or he would have married her and run through her money as he did his first wife's. He's still very good-looking, and there's such a transparent honesty about him that I promise you he's irresistible.'

'And what has happened to him since the catastrophe?'