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estimate, I suppose?"

"Of course," pleaded Mrs Tipps, "in making an estimate, I was thinking only of my own expenses, you know--not of charities and such-like things; but when poor people come, you know, what _is_ one to do?"

"We'll not discuss that just now, mother. Hallo! `ten guineas doctor's fee!' Of course you have not that in the estimate, seeing that you did not know Netta was going to be ill. What's this?--`five pounds for twenty wax dolls--naked--(to be dressed by ---)'"

"Really, Joseph, the book is too private to be read aloud," said Mrs Tipps, snatching it out of her son's hand. "These dolls were for a bazaar in aid of the funds of a blind asylum, and I dressed them all myself last winter."

"Well, well, mother," said Tipps, laughing, "I don't want to pry into such secrets; but here, you see, we have seventeen pounds odd of the discrepancy discovered already, and I've no doubt that the remainder could soon be fished up."

"Yes," sighed Mrs Tipps, sadly, "I see it now. As the poet truly says,--`Evil is wrought by want of thought as well as want of heart.' I have been assisting the poor at the expense of my trades-people."

"Mother," exclaimed Tipps, indignantly, "you have been doing nothing of the sort. Don't imagine that I could for a moment insinuate such a thing. You have only made a little mistake in your calculations, and all that you have got to do is to _put down a larger sum for contingencies_ next time. What nonsense you talk about your trades-people! Every one of them shall be paid to the last farthing--"

Here Tipps was interrupted by the entrance of Edwin Gurwood, who at once began with much interest to inquire into the health of Mrs Tipps, and hoped that she had not suffered in any way from her recent accident.

Mrs Tipps replied she was thankful to say that she had not suffered in any way, beyond being a little shaken and dreadfully alarmed.

"But railways have suffered," said Tipps, laughing, "for mother is so strongly set against them now that she would not enter one for a thousand pounds."

"They have suffered in worse ways than that," said Gurwood, "if all that I hear be true, for that accident has produced a number of serious compensation cases."

Hereupon Gurwood and his friend plunged into an animated conversation about railway accidents and their consequences, to the intense interest and horror of Mrs Tipps.

Meanwhile Netta left the room, and went to her old nurse's apartment.

"Nurse," she said, hurriedly, "when did you say you proposed paying your brother in London a visit--about this time, was it not?"

"Yes, dear," said old Mrs Durby, taking off her tortoise-shell spectacles and laying down her work, "I thought of going next week, if it is quite convenient."

"It _is_ quite convenient, nurse," continued Netta, in a somewhat flurried manner; "it would be still more convenient if you could go to-morrow or next day."

"Deary me--what's wrong?" inquired Mrs Durby, in some surprise.

"Listen, I have not time to explain much," said Netta, earnestly, sitting down beside her faithful nurse and putting her hand on her shoulder. "We have got into difficulties, nurse--temporary difficulties, I hope--but they must be got over somehow. Now, I want you to take this diamond ring to London with you--pawn it for as much as you can get, and bring me the money."

"Me pawn it, my dear! I never pawned a thing in my life, and don't know how to go about it."

"But your brother knows how to do it," suggested Netta. "Now, you won't refuse me this favour, dear nurse? I know it is an unpleasant business, but what else can be done? The ring is my own; besides, I hope to be able to redeem it soon. I know no more about pawning than yourself, but I do know that a considerable time must elapse before the ring shall be lost to me. And, you know, our bills _must_ be paid."

Good Mrs Durby did not require much persuasion. She consented to set off as soon as possible, if she should obtain permission from Mrs Tipps, who was aware that she had intended to visit her brother about that time. She received the precious ring, which, for security, was put into a pill-box; this was introduced into an empty match-box, which Netta wrapped in a sheet of note-paper and put Mrs Durby's name on it. For further security Mrs Durby enlarged the parcel by thrusting the match-box into an old slipper, the heel of which she doubled over the toe, and then wrapped the whole in several sheets of brown paper until the parcel assumed somewhat the shape and size of her own head. It was also fastened with strong cords, but Mrs Durby's powers of making a parcel were so poor that she left several uncouth corners and ragged ends of paper sticking out here and there. She wrote on it in pencil the simple name--Durby.

Meanwhile Joseph and his friend, having finished luncheon, prepared to set out on their visit to Captain Lee. As they quitted the house, Tipps ran back to the door and called his sister out of the parlour.

"I say, Netta, what about this fifty pounds that mother was talking of?" he said. "Do you mean to say that you are really short of that sum, and in debt?"

"We are, but I see a way out of the difficulty. Don't distress yourself, Joe; we shall have everything squared up, as you call it in a few days."

"Are you _quite_ sure of that?" asked Tipps, with a doubting look. "You know I have got an uncommonly cheap lodging, and a remarkably economical landlady, who manages so splendidly that I feed on a mere trifle a week. Seventy-five pounds a year, you know, is more than I know what to do with. I can live on thirty-five or so, and the other forty is--"

"We don't require it Joe," said Netta, laughing. "There, go away, you are giving me cold by keeping me in the passage, and your friend is getting impatient."

She pushed him out, nodded, and shut the door. Tipps hastened after his friend, apologised for the delay, and, stepping out smartly, they were soon ushered into Captain Lee's drawing-room. The captain was writing. Emma was seated near the window sewing.

"Ha! Tipps, my fine fellow, glad to see you; why, I was just thinking of you," said the captain, extending his hand.

"I have called," began Tipps, bowing to Emma and shaking the captain's hand, "to introduce my--my--eh!--ah, my--what's the matter?"

There was some reason for these exclamations, for Captain Lee stood gazing in mute amazement at young Gurwood, while the latter returned the compliment with his eyebrows raised to the roots of his hair. The similarity of their expressions did not, however, last long, for Edwin became gradually confused, while the captain grew red and choleric-looking.

"So," said the latter at length, in a very stern voice, "_this_ is your friend, Mr Tipps?"

"Sir," exclaimed Edwin, flushing crimson, "you ought not to condemn any one unheard."

"_I_ do not condemn you, sir," retorted the captain.

"By word, no, but by look and tone and gesture you do."

"Captain Lee," exclaimed Tipps, who had stood perfectly aghast with amazement at this scene, "what _do_ you mean?--surely."

"I mean," said the captain, "that this youth was taken up by one of our own detectives as a thief, some weeks ago, and was found travelling in a first-class carriage without a ticket."

Young Gurwood, who had by this time recovered his self-possession, turned to his friend and said,--"Explain this matter, Tipps, you know all about it. The only point that can puzzle you is, that I did not know the name of Captain Lee when I travelled with him, and therefore did not connect him with the gentleman to whom you said you meant to introduce me."

Tipps drew a long breath.

"Oh," said he, "I see it all now. Why, Captain Lee, my friend is _perfectly_ innocent. It was quite a mistake, I assure you; and the best proof of it is that he is a personal friend of our police superintendent, who was on the spot at the time the accident occurred, but we were all thrown into such confusion at the time, that I don't wonder things were not cleared up."

Tipps hereupon went into a detailed account of the matter as far as he knew it, at first to the surprise and then to the amusement of Captain Lee. Fortunately for Gurwood, who would have found it difficult to explain the circumstance of his travelling without a ticket, the captain was as prompt to acknowledge his erroneous impression as he had been to condemn. Instead of listening to Tipps, he stopped him by suddenly grasping Gurwood's hand, and thanking him heartily for the prompt and able assistance he had rendered in rescuing his daughter from her perilous position on the day of the accident.

Of course Edwin would not admit that "rescue" was the proper term to apply to his action, and refused to admit that Miss Lee was in the slightest degree indebted to him, at the same time assuring her and her father that it had afforded him the highest possible pleasure to have been of the slightest service to them. The end of it was that they all became extremely good friends, and the captain in particular became quite jocular in reference to mistakes in general and stealing in particular, until Tipps, pulling out his watch, declared that procrastination was the thief of time, and that as he happened to have business to transact with the police superintendent in reference to the very accident which had caused them all so much trouble, he must unwillingly bid them adieu.

"Stay, Tipps," exclaimed the captain, rising, "I shall accompany you to the station, and introduce our friend Gurwood to the scene of his future labours, where," continued the captain, turning with a hearty air and patronising smile to Edwin, "I hope you will lay the foundation of a career which will end in a manager's or secretary's situation, or some important post of that sort. Good-bye, Emma I'll not be back till dinner-time."

Emma bowed to the young men, and said good-bye to her father with a smile so ineffably captivating, that Edwin resolved then and there to lay the foundation of a career which would end in a wife with nut-brown hair and large lustrous eyes.

Poor Edwin! He was not the first man whose wayward spirit had been chained, his impulses directed to good ends and aims, and his destiny fixed, by the smile of an innocent, loving, pretty girl. Assuredly, also, he was not the last!


CHAPTER TEN.


SHARP PRACTICE.



Standing with his back to the fireplace, his legs slightly apart, his hands in his pockets, and his eyes fixed on the ceiling, Mr Sharp, Police Superintendent of the Grand National Trunk Railway, communed with himself and dived into the future.

Mr Sharp's powers of diving were almost miraculous. He had an unusually keen eye for the past and the present, but in regard to the future his powers were all but prophetic. He possessed a rare capacity for following up clues;

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