"We could. Ah!" She closed her eyes for the space of a furlong.

"Mother, how much did you ask for?"

"A hundred and twenty pounds. I could do it for less, perhaps, because there's my own furniture. He must give it; he can't refuse—and me Alice's first cousin, and you but one removed. My dear, I've always longed to have a Margate lodging-house since I stood upon Margate jetty as a girl, and paid a Margate bill as a grown woman, before you were born."

"I've asked for seventy pounds. I believe I could start respectably for less; but seventy would be plenty. And oh! to sit behind your own counter, covered with dolls and fancy-work and pretty things, and have no work to do! Oh!" She clasped her hands in ecstasy.

"Yes, Alma; it's all very well if the people come in to buy your things. But what do you know about shops and what to charge?"

"Come to that, mother, what do you know about keeping lodgings?"

It was with speculations such as these, with castles in the air or in Spain, that the cousins beguiled their way towards the Hôtel Métropole. The fancy of the broken one dwelt upon the tobacco-shop. It seems that this kind of shop attracts many of the best and brightest. There is so little to do; the money drops in all day long; you can smoke your own tobacco morning, noon, and night, while the laughing hours dance along and strew the way with roses. The bankrupt looked, indeed, as if roses would be a change for him after his long staying among the flagons and the apples.

"I asked you, when you were here last"—John Haveril remained standing—"to send me letters if you wanted me to do anything. I wanted to know quite clearly what you wanted. You have done so. I find, as I expected, that you all want me to give you money."

"Excuse me, sir," said the spokesman, "we distinguish between begging and borrowing. To give—to bestow alms—upon unworthy persons"—he looked severely at the bankrupt, who paid no heed—"or upon persons who are best left in their own humble station in life"—he waved an insulting hand towards the pew-opener—"is one thing; to advance capital which will be regarded as a loan, to be repaid with interest, is quite another thing. To solicit alms, as has been done, I fear, by some in this room, is one thing; to offer an investment, on the solid security of a sterling and established place of business, is quite another thing."

"Very true," said John Haveril. "Very true."