'What is there to think of but money? Look round you, silly child. What gives me this house—this furniture—everything? Money. What feeds you and clothes you? Money. What gives position, consideration, power, dignity? Money. Rank without money is contemptible. Life without money is miserable, wretched, intolerable. Who would care to live when the smallest luxury—the least comfort—has to be denied for want of money. Even the Art of which you talk so much only becomes respectable when it commands money. You cannot keep off disease without money; you cannot educate your children without money: it will be your worst punishment in the future that your children will sink and become servants. Child!' she cried passionately, 'we must be masters or servants—nay—lords or slaves. You leave the rank of lord and marry the rank of slave. It is money that makes the difference—money—money—money—that you pretend to despise. It is money that has done everything for you. Your grandfather made it—your father made it—I am making it. Go on in your madness and your folly. In the end, when it is too late, you will long for money, pray for money, be ready to do anything for money—for your husband and your children.'

'We shall have, I hope, enough. We shall work for enough—no more.'

'Well, child,' her mother returned quietly, 'I said that I would say nothing. I have been carried away. Let there be no more said. Do as you please. You know my mind—your sister's mind—your cousins'——'

'I do not wish to be guided by my cousins.'

'Very well. You will stay here until your wedding day. When you marry you will leave this house—and me and your sister and all your people. Do not expect any help from me. Do not look forward to any inheritance from me. My money is all my own to deal with as I please. If you wish to be poor you shall be poor. Hilda tells me that you are to see your guardian on Monday. Perhaps he may bring you to your senses. As for me—I shall say no more.'

With these final words the lady left the room and went to bed. How many times had she declared that she would say no more?

The next day being Sunday, the bells began to ring in the morning, and the two ladies sallied forth to attend Divine service as usual. They walked side by side, in silence. That sweet and gracious nymph, the Lady Charity, was not with them in their pew. The elder lady, externally cold, was full of resentment and bitterness: the younger was more than usually troubled by the outbreak of the evening. Yet, she was no nearer surrender. The sermon, by a curious coincidence, turned upon the perishable nature of earthly treasures, and the vanity of the objects desired by that unreasoning person whom they used to call the Worldling. The name has perished, but the creature still exists, and is found in countless herds in every great town. The parsons are always trying to shoot him down; but they never succeed. There was just a fiery passage or two directed against the species. Elsie hoped that the words would go home. Not at all. They fell upon her mother's heart like seed upon the rock. She heard them, but heard them not. The Worldling, you see, never understands that he is a Worldling. Nor does Dives believe himself to be anything more than Lazarus, such is his modesty.

The service over, they went home in silence. They took their early dinner in silence, waited on by the solemn man-servant. After dinner, Elsie sought the solitude of her studio. And here—nobody looking on—she obeyed the first law of her sex, and had a good cry. Even the most resolute of maidens cannot carry through a great scheme against great opposition without the consolation of a cry.

On the table lay a note from Mr. Dering:

'My dear Ward—I am reminded that you come of age on Monday. I am also reminded by Hilda that you propose to take a very important step against the wish of your mother. Will you come and see me at ten o'clock to talk this over?—Your affectionate Guardian.'