Mr. Joseph Cayley., Junr., sate in his private room in the office of Cayley & Hubbard. He was an unusually tall man, with a thin, cold, hard face, black eyes, black hair, and an expression of extraordinary solemnity. He looked as if none of his ancestors had ever laughed. A shrewd and clear-headed man of business, he was remarkable at once for his upright conduct of professional affairs, and for the uncompromising frankness, with the extreme courtesy, of his personal demeanour. His friends used to wonder how such a man and John Hubbard ever pulled together; but they did, and their business was even better now than when old Mr. Cayley took John Hubbard into partnership.

A card was handed to Mr. Cayley by one of the youths in the office. He glanced at the card, looked at it attentively, and then there came over his face a singular expression of concern, surprise, and almost fear.

"Show her in," he said, sharply, to the lad.

He rose and paced up and down the room for a moment; then he found himself bowing into a chair a lady completely dressed in black, who had just entered.

"Will you permit me," he said, fixing his big black eyes upon her, "to ask my partner to join us? I anticipate the object of your visit—and—and——"

"Does your partner live at Haverstock Hill?"

"Yes."

"I would rather speak with you alone, then," said the young lady, calmly. "I have here a letter from my mother, Mrs. Brunel, to you. I need not explain to you why the letter has not been delivered for years. I was not to deliver it until necessity——"

"You need not explain," said Mr. Cayley, hurriedly taking the letter. "This is addressed to my father; but I may open it. I know its contents; I know everything you wish to know, Miss Brunel."

When he had opened the letter, he read it, and handed it to Annie Brunel, who read these words—