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which you will understand soon you did well to come. You are looking for your mother and Ellen. They have gone to the church with a wreath for your poor brother's grave. The train is generally late--you were not expected so soon. That was a terrible blow to me, Henry: I am quite broken down, and shall never get over it. Ah! here they are."

As Sir Reginald spoke Lady Graves and her daughter entered the hall and greeted Henry warmly enough. His mother was a person of about sixty, still handsome in appearance, but like himself somewhat silent and reserved in manner. Trouble had got hold of her, and she showed it on her face. For the rest, she was an upright and a religious woman, whose one passion in life, as distinguished from her predilections, had been for her dead son Reginald. He was taken away, her spirit was broken, and there remained to her nothing except an unvarying desire to stave off the ruin that threatened her husband's house and herself.

The daughter, Ellen, now a woman of twenty-five, was of a different type. In appearance she was fair and well-developed, striking and ladylike rather than good-looking; in manner she was quick and vivacious, well-read, moreover, in a certain shallow fashion, and capital company. Ellen was not a person of deep affections, though she also had worshipped Reginald; but on the other hand she was swift to see her own advantage and to shape the course of events toward that end. At this moment her mind was set secretly upon making a rich marriage with the only eligible bachelor in the neighbourhood, Milward by name, a vain man of good extraction but of little strength of character, and one whom she knew that she could rule.

It has been said that his welcome was warm enough to all outward appearance, and yet it left a sense of disappointment in Henry's mind. Instinctively he felt, with the exception, perhaps, of his mother, that they all hoped to use him--that he had been summoned because he might be of service, not because the consolation of his presence was desired in a great family misfortune; and once more he wished himself back on the quarter-deck of the /Hawk/, dependent upon his own exertions to make his way in the world.

After a somewhat depressing dinner in the great dining-room, of which the cold stone columns and distempered walls, decorated with rather dingy specimens of the old masters, did not tend to expansion of the heart, a family council was held in the study. It lasted far into the night, but its results may be summed up briefly. In good times the Rosham Hall property was worth about a hundred thousand pounds; now, in the depths of the terrible depression which is ruining rural England, it was doubtful if it would find a purchaser at half that amount, notwithstanding its capacities as a sporting estate. When Sir Reginald Graves came into possession the place was burdened with a mortgage of twenty-five thousand pounds, more or less. On the coming of age of his elder son, Reginald, Henry's brother, the entail had been cut and further moneys raised upon resettlement, so that in the upshot the incumbrances upon the property including over-due interests which were added to the capital at different dates, stood at a total of fifty-one thousand, or something more than the present selling value of the estate.

Henry inquired where all the money had gone; and, after some beating about the bush, he discovered that of late years, for the most part, it had been absorbed by his dead brother's racing debts. After this revelation he held his tongue upon the matter.

In addition to these burdens there were unsatisfied claims against Reginald's estate amounting to over a thousand pounds; and, to top up with, three of the principal tenants had given notice to leave at the approaching Michaelmas, and no applicants for their farms were forthcoming. Also the interest on the mortgages was over a year in arrear.

When everything had been explained, Henry spoke with irritation: "The long and the short of it is that we are bankrupt, and badly bankrupt. Why on earth did you force me to leave the Navy? At any rate I could have helped myself to some sort of a living there. Now I must starve with the rest."

Lady Graves sighed and wiped her eyes. The sigh was for their broken fortunes, the tear for the son who had ruined them.

Sir Reginald, who was hardened to money troubles, did not seem to be so deeply affected.

"Oh, it is not so bad as that, my boy," he said, almost cheerfully. "Your poor brother always managed to find a way out of these difficulties when they cropped up, and I have no doubt that you will be able to do the same. For me the matter no longer has much personal interest, since my day is over; but you must do the best for yourself, and for your mother and sister. And now I think that I will go to bed, for business tires me at night."

When his father and mother had gone Henry lit his pipe.

"Who holds these mortgages?" he asked of his sister Ellen, who sat opposite to him, watching him curiously across the fire.

"Mr. Levinger," she answered. "He and his daughter are coming here to-morrow to stay till Monday."

"What, my father's mysterious friend, the good-looking man who used to be agent for the property when I was a boy?"

"Yes, the man who was shooting here when you were on leave eighteen months ago."

"I remember: he had his daughter with him--a pale-faced, quiet girl."

"Yes; but do not disparage his daughter, Henry."

"Why not?"

"Because it is a mistake to find fault with one's future wife. That way salvation lies, my dear brother. She is an heiress, and more than half in love with you, Henry. No, it is not a mistake--I know it for a fact. Now, perhaps, you understand why it was necessary that you should come home. Either you must follow the family tradition and marry an heiress, Miss Levinger or some other, or this place will be foreclosed on and we may all adjourn to the workhouse."

"So that is why I was sent for," said Henry, throwing down his pipe: "to be sold to this lady? Well, Ellen, all I have to say is that it is an infernal shame!"

And, turning, he went to bed without even bidding her good night.

His sister watched him go without irritation or surprise. Rising from her chair, she stood by the fire warming her feet, and glancing from time to time at the dim rows of family portraits that adorned the library walls. There were many of them, dating back to the early part of the seventeenth century or even before it; for the Graveses, or the De GrΓͺves as they used to be called, were an ancient race, and though the house had been rebuilt within the last hundred and twenty years, they had occupied this same spot of ground for many generations. During all these years the family could not be said either to have sunk or risen, although one of its members was made a baronet at the beginning of the century in payment for political services. It had produced no great men, and no villains; it had never been remarkable for wealth or penury, or indeed for anything that distinguishes one man, or a race of men, from its fellows.

It may be asked how it came about that these Graveses contrived to survive the natural waste and dwindling of possessions that they never did anything to augment. A glance at the family pedigree supplies an answer. From generation to generation it had been held to be the duty of the eldest son for the time being to marry an heiress; and this rule was acted on with sufficient regularity to keep the fortunes of the race at a dead level, notwithstanding the extravagances of occasional spendthrifts and the claims of younger children.

"They all did so," said Ellen to herself, as she looked upon the portraits of her dead-and-gone forefathers by the light of the flickering flame; "and why shouldn't he? I am not sentimental, but I believe that I'd marry a Russian Jew rather than see the old place go to the dogs, and that sort of thing is worse for a woman than a man. It will be difficult to manage, but he will marry her in the end, even if he hates the very sight of her. A man has no right to let his private inclinations weigh with him in such a matter, for he passes but his family remains. Thank Heaven, Henry always had a strong sense of duty, and when he comes to look at the position coolly he will see it in a proper light; though what made that flaxen-haired little mummy fall in love with him is a mystery to me, for he never spoke a word to her. Blessings on her! It is the only piece of good luck that has come to our family for a generation. And now I must go to bed--those old pictures are beginning to stare at me."

CHAPTER V(THE LEVINGERS VISIT ROSHAM)

Seldom did Henry Graves spend a more miserable night than on this occasion of his return to Rosham. He had expected to find his father's affairs in evil case, but the reality was worse than anything that he had imagined. The family was absolutely ruined--thanks to his poor brother's wickedness, for no other word was strong enough to describe his conduct--and now it seemed that the remedy suggested for this stage of things was that he should marry the daughter of their principal creditor. That was why he had been forced to leave the Navy and dragged home from the other side of the world. Henry laughed as he thought of it, for the situation had a comical side. Both in stories and in real life it is common enough for the heroine of the piece to be driven into these dilemmas, in order to save the honour or credit of her family; but it is unusual to hear of such a choice being thrust upon a man, perhaps because, when they chance to meet with them, men keep these adventures to themselves.

Henry tried to recall the appearance of the young lady; and after a while a vision of her came back to him. He remembered a pale-faced, silent girl, with an elegant figure, large grey eyes, dark lashes, and absolutely flaxen hair, who sat in the corner of the room and watched everybody and everything almost without speaking, but who, through her silence, or perhaps on account of it, had given him a curious impression of intensity.

This was the woman whom his family expected him to marry, and, as his sister seemed to suggest, who, directly or indirectly, had intimated a willingness to marry him! Ellen said, indeed, that she was "half in love" with him, which was absurd. How could Miss Levinger be to any degree whatsoever in love with a person whom she knew so slightly? If there were truth in the tale at all, it

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