The next day Phebe locked up her house and rode down to Riversborough. As she descended into the valley and the open plain beyond her sorrowfulness fell away from her. Her social instincts were strong, and she delighted in companionship and in the help she could render to any fellow-creature. If she overtook a boy trudging reluctantly to school she would dismount from her rough pony and give him a ride; or if she met with a woman carrying a heavy load, she took the burden from her, and let her pony saunter slowly along, while she listened to the homely gossip of the neighborhood. Phebe was a great favorite along these roads, which she had traversed every week during summer to attend Riversborough market for the last eight years. Her spirits rose as she rode along, receiving many a kindly word, and more invitations to spend a little while in different houses than she could have accepted if she had been willing to give twelve months to visiting. It was market-day at Riversborough, and the greetings there were still more numerous, and, if possible, more kindly. Everybody had a word for Phebe Marlowe; especially to-day, when her pretty black dress told of the loss she had suffered.

She made her way to Whitefriars Road. The Old Bank was not so full as it had formerly been, for immediately after the panic last May a new bank had been opened more in the centre of the town, and a good many of the tradesmen and farmers had transferred their accounts to it. The outer office was fairly busy, but Phebe had not long to wait before being summoned to see Mr. Clifford. The muscles of his stern and careworn features relaxed into something approaching a smile as she entered, and he caught sight of her sweet and frank young face.

"Sit down, Phebe," he said. "I did not hear of your loss before yesterday; and I was just about to send for you to see your father's will. It is in our strong room. You are not one-and-twenty yet?"

"Not till next December, sir," she replied.

"Roland Sefton is the only executor appointed," he continued, his face contracting for an instant, as if some painful memory flashed across him; "and, since he is dead, I succeed to the charge as his executor. You will be my ward, Phebe, till you are of age."

"Will it be much trouble, sir?" she asked anxiously.

"None at all," he answered; "I hope it will be a pleasure; for, Phebe, it will not be fit for you to live alone at Upfold Farm; and I wish you to come here—to make your home with me till you are of age. It would be a great pleasure to me, and I would take care you should have every opportunity for self-improvement. I know you are not a fine young lady, my dear, but you are sensible, modest, and sweet-tempered, and we should get on well together. If you were happy with me I should regard you as my adopted daughter, and provide accordingly for you. Think of it for a few minutes while I look over these letters. Perhaps I seem a grim and surly old man to you; but I am not naturally so. You would never disappoint me."

He turned away to his desk, and appeared to occupy himself with his letters, but he did not take in a single line of them. He had set his heart once more on the hope of winning love and gratitude from some young wayfarer on life's rough road, whose path he could make smooth and bright. He had been bitterly disappointed in his own son and his friend's son. But if this simple, unspoiled, little country maiden would leave her future life in his keeping, how easy and how happy it should be!

"It's very good of you," said Phebe, in a trembling voice; "and I'm not afraid of you, Mr. Clifford, not in the least; but I could not keep from fretting in this house. Oh, I loved them so, every one of them; but Mr. Roland most of all. No one was ever so good to me as he was. If it hadn't been for him I should have learned nothing, and father himself would have been a dull, ignorant man. Mr. Roland learnt to talk to father, and nobody else could talk with him but me. I used to think it was as much like our Lord Jesus Christ as anything any one could do. Mr. Roland could not open father's ears, but he learned how to talk to him, to make him less lonely. That was the kindest thing any one on earth could do."

"Do you believe Mr. Roland was innocent?" asked Mr. Clifford.

"I know he was guilty," answered Phebe sadly. "He told me all about it himself, and I saw his sorrow. Before that he always seemed to me more like what I think Jesus Christ was than any one else. He could never think of himself while there were other people to care for. And I know," she went on, with simple sagacity, "that it was not Mr. Roland's sin that fretted father, but the loss of the money. If he had made six hundred pounds by using it without his consent, and said, 'Here, Marlowe, are twelve hundred pounds for you instead of six; I did not put your money up as you wanted, but used it instead;' why, father would have praised him up to the skies, and could never have been grateful enough."

Mr. Clifford's conscience smote him as he listened to Phebe's unworldly comment on Roland Sefton's conduct. If Roland had met him with the announcement of a gain of ten thousand pounds by a lucky though unauthorized speculation, he knew very well his own feeling would have been utterly different from that with which he had heard of the loss of ten thousand pounds. The world itself would have cried out against him if he had prosecuted a man by whose disregard of the laws he had gained so large a profit. Was it, then, a simple love of justice that had actuated him? Yet the breach of trust would have been the same.

"But if you will not come to live with me, my dear," he said, "what do you propose to do? You cannot live alone in your old home."

"May I tell you what I should like to do?" she asked.

"Certainly," he answered. "I am bound to know it."

"Those two who are dead," she said, "thought so much of my painting. Mr. Roland was always wishing I could go to a school of art, and father said when he was gone he should wish it too. But now we have lost our money, the next best thing will be for me to go to live as servant to some great artist, where I could see something of painting till I've saved enough money to go to school. I can let Upfold Farm for fifteen pounds a year to Simon Nixey, so I shall soon have money enough. I promised father I would never sell our farm, that has belonged to Marlowes ever since it was inclosed from the common. And if I go to London, I shall be near Madame and the children, and Mrs. Roland Sefton."

The color had come back to Phebe's face, and her voice was steady and musical again. There was a clear, frank shining in her blue eyes, looking so pleasantly into his, that Mr. Clifford sighed regretfully as he thought of his solitary and friendless life—self-chosen partly, but growing more dreary as old age, with its infirmities, crept on.

"No, no; you need not go into service," he said; "there is money enough of your own to do what you wish with. Mrs. Roland refuses to receive the income from her marriage settlement till every claim against her husband is paid off. I shall pay your claim off at the rate of one hundred a year, or more, if you like. You may have a sum sufficient to keep you at an art school as long as you need be there."

"Why, I shall be very rich!" exclaimed Phebe; "and father dreaded I should be poor."

"I will run up to London and see what arrangements I can make for you," he continued. "Perhaps Mrs. Roland Sefton could find a corner for you in her own house, small as it is, and Madame would make you as welcome as a daughter. You are more of a daughter to her than Felicita. Only I must make a bargain, that you and the children come down often to see me here in the old house. I should have grown very fond of you, Phebe; and then you would have married some man whom I detested, and disappointed me bitterly again. It is best as it is, I suppose. But if you will change your mind now, and stay with me as my adopted daughter, I'll run the risk."

"If it was anywhere else!" she answered with a wistful look into his face, "but not here. If Mrs. Roland Sefton could find room for me I'd rather live with them than anywhere else in the world. Only don't think I'm ungrateful because I can't stay here."

"No, no, Phebe," he replied; "it was for my own sake I asked it. As you grow older, child, you'll find out that the secret root of nine tenths of the benevolence you see is selfishness."

Six weeks later all the arrangements for Phebe leaving her old home and entering upon an utterly new life were completed. Simon Nixey, after vainly urging her to accept himself, and to give herself and her little farm and her restored fortune to him, offered to become her tenant at £10 a year for the land, leaving the cottage uninhabited; for Phebe could not bear the idea of any farm laborer and his family dwelling in it, and destroying or injuring the curious carvings with which her father had lined its walls. The spot was far out of the way of tramps and wandering vagabonds, and there was no danger of damage being done to it by the neighbors. Mrs. Nixey undertook to see that it was kept from damp and dirt, promising to have a fire lighted there occasionally, and Simon would see to the thatch being kept in repair, on condition that Phebe would come herself once a year to receive her rent, and see how the place was cared for. There was but a forlorn hope in Mrs. Nixey's heart that Phebe would ever have Simon now she was going to London; but it might possibly come about in the long run if he met with no girl to accept him with as much fortune.

Before leaving Upfold Farm Phebe received the following letter from Felicita:

"Dear Phebe: I shall be very glad to have you under my roof. I believe I see in you a freshness and truthfulness of nature on which I can rely for sympathy. I have always felt a sincere regard for you, but of late I have learned to love you, and to think of you as my friend. I love you next to my children. Let me be a friend to you. Your pursuits will interest me, and you must let me share them as your friend.

"But one favor I must ask. Never mention my husband's name to me. Madame will feel solace in talking of him, but the very sound of his name is intolerable to me. It is my fault; but spare me. You are the dearer to me because you love him, and because he prized your affections so highly; but he must never be mentioned, if possible not thought of, in my presence. If you think of him I shall feel it, and be wounded. I say this before you come that you may spare me as much pain as you can.

"This is the only thing I dread. Otherwise your coming to us would be the happiest thing that has befallen me for the last year.