When Bob Pillin emerged from the little front garden of 23, Millicent Villas ten days later, his sentiments were ravelled, and he could not get hold of an end to pull straight the stuff of his mind.

He had found Mrs. Larne and Phyllis in the sitting-room, and Phyllis had been crying; he was sure she had been crying; and that memory still infected the sentiments evoked by later happenings. Old Heythorp had said: “You'll burn your fingers.” The process had begun. Having sent her daughter away on a pretext really a bit too thin, Mrs. Larne had installed him beside her scented bulk on the sofa, and poured into his ear such a tale of monetary woe and entanglement, such a mass of present difficulties and rosy prospects, that his brain still whirled, and only one thing emerged clearly-that she wanted fifty pounds, which she would repay him on quarter-day; for their Guardy had made a settlement by which, until the dear children came of age, she would have sixty pounds every quarter. It was only a question of a few weeks; he might ask Messrs. Scriven and Coles; they would tell him the security was quite safe. He certainly might ask Messrs. Scriven and Coles—they happened to be his father's solicitors; but it hardly seemed to touch the point. Bob Pillin had a certain shrewd caution, and the point was whether he was going to begin to lend money to a woman who, he could see, might borrow up to seventy times seven on the strength of his infatuation for her daughter. That was rather too strong! Yet, if he didn't she might take a sudden dislike to him, and where would he be then? Besides, would not a loan make his position stronger? And then—such is the effect of love even on the younger generation—that thought seemed to him unworthy. If he lent at all, it should be from chivalry—ulterior motives might go hang! And the memory of the tear-marks on Phyllis's pretty pale-pink cheeks; and her petulantly mournful: “Oh! young man, isn't money beastly!” scraped his heart, and ravished his judgment. All the same, fifty pounds was fifty pounds, and goodness knew how much more; and what did he know of Mrs. Larne, after all, except that she was a relative of old Heythorp's and wrote stories—told them too, if he was not mistaken? Perhaps it would be better to see Scrivens'. But again that absurd nobility assaulted him. Phyllis! Phyllis! Besides, were not settlements always drawn so that they refused to form security for anything? Thus, hampered and troubled, he hailed a cab. He was dining with the Ventnors on the Cheshire side, and would be late if he didn't get home sharp to dress.

Driving, white-tied—and waist-coated, in his father's car, he thought with a certain contumely of the younger Ventnor girl, whom he had been wont to consider pretty before he knew Phyllis. And seated next her at dinner, he quite enjoyed his new sense of superiority to her charms, and the ease with which he could chaff and be agreeable. And all the time he suffered from the suppressed longing which scarcely ever left him now, to think and talk of Phyllis. Ventnor's fizz was good and plentiful, his old Madeira absolutely first chop, and the only other man present a teetotal curate, who withdrew with the ladies to talk his parish shop. Favoured by these circumstances, and the perception that Ventnor was an agreeable fellow, Bob Pillin yielded to his secret itch to get near the subject of his affections.

“Do you happen,” he said airily, “to know a Mrs. Larne—relative of old Heythorp's—rather a handsome woman-she writes stories.”

Mr. Ventnor shook his head. A closer scrutiny than Bob Pillin's would have seen that he also moved his ears.

“Of old Heythorp's? Didn't know he had any, except his daughter, and that son of his in the Admiralty.”

Bob Pillin felt the glow of his secret hobby spreading within him.

“She is, though—lives rather out of town; got a son and daughter. I thought you might know her stories—clever woman.”

Mr. Ventnor smiled. “Ah!” he said enigmatically, “these lady novelists! Does she make any money by them?”

Bob Pillin knew that to make money by writing meant success, but that not to make money by writing was artistic, and implied that you had private means, which perhaps was even more distinguished. And he said:

“Oh! she has private means, I know.”

Mr. Ventnor reached for the Madeira.

“So she's a relative of old Heythorp's,” he said. “He's a very old friend of your father's. He ought to go bankrupt, you know.”

To Bob Pillin, glowing with passion and Madeira, the idea of bankruptcy seemed discreditable in connection with a relative of Phyllis. Besides, the old boy was far from that! Had he not just made this settlement on Mrs. Larne? And he said:

“I think you're mistaken. That's of the past.”

Mr. Ventnor smiled.

“Will you bet?” he said.

Bob Pillin also smiled. “I should be bettin' on a certainty.”

Mr. Ventnor passed his hand over his whiskered face. “Don't you believe it; he hasn't a mag to his name. Fill your glass.”

Bob Pillin said, with a certain resentment:

“Well, I happen to know he's just made a settlement of five or six thousand pounds. Don't know if you call that being bankrupt.”

“What! On this Mrs. Larne?”

Confused, uncertain whether he had said something derogatory or indiscreet, or something which added distinction to Phyllis, Bob Pillin hesitated, then gave a nod.

Mr. Ventnor rose and extended his short legs before the fire.

“No, my boy,” he said. “No!”

Unaccustomed to flat contradiction, Bob Pillin reddened.

“I'll bet you a tenner. Ask Scrivens.”

Mr. Ventnor ejaculated:

“Scrivens—-but they're not—” then, staring rather hard, he added: “I won't bet. You may be right. Scrivens are your father's solicitors too, aren't they? Always been sorry he didn't come to me. Shall we join the ladies?” And to the drawing-room he preceded a young man more uncertain in his mind than on his feet....

Charles Ventnor was not one to let you see that more was going on within than met the eye. But there was a good deal going on that evening, and after his conversation with young Bob he had occasion more than once to turn away and rub his hands together. When, after that second creditors' meeting, he had walked down the stairway which led to the offices of “The Island Navigation Company,” he had been deep in thought. Short, squarely built, rather stout, with moustache and large mutton-chop whiskers of a red brown, and a faint floridity in face and dress, he impressed at first sight only by a certain truly British vulgarity. One felt that here was a hail-fellow—well-met man who liked lunch and dinner, went to Scarborough for his summer holidays, sat on his wife, took his daughters out in a boat and was never sick. One felt that he went to church every Sunday morning, looked upwards as he moved through life, disliked the unsuccessful, and expanded with his second glass of wine. But then a clear look into his well-clothed face and red-brown eyes would give the feeling: 'There's something fulvous here; he might be a bit too foxy.' A third look brought the thought: 'He's certainly a bully.' He was not a large creditor of old Heythorp. With interest on the original, he calculated his claim at three hundred pounds—unredeemed shares in that old Ecuador mine. But he had waited for his money eight years, and could never imagine how it came about that he had been induced to wait so long. There had been, of course, for one who liked “big pots,” a certain glamour about the personality of old Heythorp, still a bit of a swell in shipping circles, and a bit of an aristocrat in Liverpool. But during the last year Charles Ventnor had realised that the old chap's star had definitely set—when that happens, of course, there is no more glamour, and the time has come to get your money. Weakness in oneself and others is despicable! Besides, he had food for thought, and descending the stairs he chewed it: He smelt a rat—creatures for which both by nature and profession he had a nose. Through Bob Pillin, on whom he sometimes dwelt in connection with his younger daughter, he knew that old Pillin and old Heythorp had been friends for thirty years and more. That, to an astute mind, suggested something behind this sale. The thought had already occurred to him when he read his copy of the report. A commission would be a breach of trust, of course, but there were ways of doing things; the old chap was devilish hard pressed, and human nature was human nature! His lawyerish mind habitually put two and two together. The old fellow had deliberately appointed to meet his creditors again just after the general meeting which would decide the purchase—had said he might do something for them then. Had that no significance?

In these circumstances Charles Ventnor had come to the meeting with eyes wide open and mouth tight closed. And he had watched. It was certainly remarkable that such an old and feeble man, with no neck at all, who looked indeed as if he might go off with apoplexy any moment, should actually say that he “stood or fell” by this purchase, knowing that if he fell he would be a beggar. Why should the old chap be so keen on getting it through? It would do him personally no good, unless—Exactly! He had left the meeting, therefore, secretly confident that old Heythorp had got something out of this transaction which would enable him to make a substantial proposal to his creditors. So that when the old man had declared that he was going to make none, something had turned sour in his heart, and he had said to himself: “All right, you old rascal! You don't know C. V.” The cavalier manner of that beggarly old rip, the defiant look of his deep little eyes, had put a polish on the rancour of one who prided himself on letting no man get the better of him. All that evening, seated on one side of the fire, while Mrs. Ventnor sat on the other, and the younger daughter played Gounod's Serenade on the violin—he cogitated. And now and again he smiled, but not too much. He did not see his way as yet, but had little doubt that before long he would. It would not be hard to knock that chipped old idol off his perch. There was already a healthy feeling among the shareholders that he was past work and should be scrapped. The old chap should find that Charles V. was not to be defied; that when he got his teeth into a thing, he did not let it go. By hook or crook he would have the old man off his Boards, or his debt out of him as the price of leaving him alone. His life or his money—and the old fellow should determine which. With the memory of that defiance fresh within him, he almost hoped it might come to be the first, and turning to Mrs. Ventnor, he said abruptly:

“Have a little dinner Friday week, and ask young Pillin and the curate.” He specified the curate, a tee-totaller, because he had two daughters, and males and females must be paired, but he intended to pack him off after dinner to the drawing-room to discuss parish matters while he and Bob Pillin sat over their wine. What he expected to get out of the young man he did not as yet know.

On the day of the dinner, before departing for the office, he had gone to his cellar. Would three bottles of Perrier Jouet do the trick, or must he add one of the old Madeira? He decided to be on the safe side. A bottle or so of champagne went very little way with him personally, and young Pillin might be another.

The Madeira having done its work by turning the conversation into such an admirable channel, he had cut it short for fear young Pillin might drink the lot or get wind of the rat. And when his guests were gone, and his family had retired, he stood staring into the fire, putting together the pieces of the puzzle. Five or six thousand pounds—six would be ten per cent. on sixty! Exactly! Scrivens—young Pillin had said! But Crow & Donkin, not Scriven & Coles, were old Heythorp's solicitors. What could that mean, save that the old man wanted to cover the tracks of a secret commission, and had handled the matter through solicitors who did not know the state of his affairs! But why Pillin's solicitors? With this sale just going through, it must look deuced fishy to them too. Was it all a mare's nest, after all? In such circumstances he himself would have taken the matter to a London firm who knew nothing of anybody. Puzzled, therefore, and rather disheartened, feeling too that touch of liver which was wont to follow his old Madeira, he went up to bed and woke his wife to ask her why the dickens they couldn't always have soup like that!

Next day he continued to brood over his puzzle, and no fresh light came; but having a matter on which his firm and Scrivens' were in touch, he decided to go over in person, and see if he could surprise something out of them. Feeling, from experience, that any really delicate matter would only be entrusted to the most responsible member of the firm, he had asked to see Scriven himself, and just as he had taken his hat to go, he said casually:

“By the way, you do some business for old Mr. Heythorp, don't you?”

Scriven, raising his eyebrows a little, murmured: “Er—no,” in exactly the tone Mr. Ventnor himself used when he wished to imply that though he didn't as a fact do business, he probably soon would. He knew therefore that the answer was a true one. And non-plussed, he hazarded:

“Oh! I thought you did, in regard to a Mrs. Larne.”

This time he had certainly drawn blood of sorts, for down came Scriven's eyebrows, and he said:

“Mrs. Larne—we know a Mrs. Larne, but not in that connection. Why?”

“Oh! Young Pillin told me—”

“Young Pillin? Why, it's his—-!” A little pause, and then: “Old Mr. Heythorp's solicitors are Crow & Donkin, I believe.”

Mr. Ventnor held out his hand. “Yes, yes,” he said; “goodbye. Glad to have got that matter settled up,” and out he went, and down the street, important, smiling. By George! He had got it! “It's his father”—Scriven had been going to say. What a plant! Exactly! Oh! neat! Old Pillin had made the settlement direct; and the solicitors were in the dark; that disposed of his difficulty about them. No money had passed between old Pillin and old Heythorp not a penny. Oh! neat! But not neat enough for Charles Ventnor, who had that nose for rats. Then his smile died, and with a little chill he perceived that it was all based on supposition—not quite good enough to go on! What then? Somehow he must see this Mrs. Larne, or better—old Pillin himself. The point to ascertain was whether she had any connection of her own with Pillin. Clearly young Pillin didn't know of it; for, according to him, old Heythorp had made the settlement. By Jove! That old rascal was deep—all the more satisfaction in proving that he was not as deep as C. V. To unmask the old cheat was already beginning to seem in the nature of a public service. But on what pretext could he visit Pillin? A subscription to the Windeatt almshouses! That would make him talk in self-defence and he would take care not to press the request to the actual point of getting a subscription. He caused himself to be driven to the Pillin residence in Sefton Park. Ushered into a room on the ground floor, heated in American fashion, Mr. Ventnor unbuttoned his coat. A man of sanguine constitution, he found this hot-house atmosphere a little trying. And having sympathetically obtained Joe Pillin's reluctant refusal—Quite so! One could not indefinitely extend one's subscriptions even for the best of causes!—he said gently:

“By the way, you know Mrs. Larne, don't you?”

The effect of that simple shot surpassed his highest hopes. Joe Pillin's face, never highly coloured, turned a sort of grey; he opened his thin lips, shut them quickly, as birds do, and something seemed to pass with difficulty down his scraggy throat. The hollows, which nerve exhaustion delves in the cheeks of men whose cheekbones are not high, increased alarmingly. For a moment he looked deathly; then, moistening his lips, he said:

“Larne—Larne? No, I don't seem—-”

Mr. Ventnor, who had taken care to be drawing on his gloves, murmured:

“Oh! I thought—your son knows her; a relation of old Heythorp's,” and he looked up.

Joe Pillin had his handkerchief to his mouth; he coughed feebly, then with more and more vigour:

“I'm in very poor health,” he said, at last. “I'm getting abroad at once. This cold's killing me. What name did you say?” And he remained with his handkerchief against his teeth.

Mr. Ventnor repeated:

“Larne. Writes stories.”

Joe Pillin muttered into his handkerchief

“Ali! H'm! No—I—no! My son knows all sorts of people. I shall have to try Mentone. Are you going? Good-bye! Good-bye! I'm sorry; ah! ha! My cough—ah! ha h'h'.! Very distressing. Ye-hes! My cough-ah! ha h'h'.! Most distressing. Ye-hes!”

Out in the drive Mr. Ventnor took a deep breath of the frosty air. Not much doubt now! The two names had worked like charms. This weakly old fellow would make a pretty witness, would simply crumple under cross-examination. What a contrast to that hoary old sinner Heythorp, whose brazenness nothing could affect. The rat was as large as life! And the only point was how to make the best use of it. Then—for his experience was wide—the possibility dawned on him, that after all, this Mrs. Larne might only have been old Pillin's mistress—or be his natural daughter, or have some other blackmailing hold on him. Any such connection would account for his agitation, for his denying her, for his son's ignorance. Only it wouldn't account for young Pillin's saying that old Heythorp had made the settlement. He could only have got that from the woman herself. Still, to make absolutely sure, he had better try and see her. But how? It would never do to ask Bob Pillin for an introduction, after this interview with his father. He would have to go on his own and chance it. Wrote stories did she? Perhaps a newspaper would know her address; or the Directory would give it—not a common name! And, hot on the scent, he drove to a post office. Yes, there it was, right enough! “Larne, Mrs. R., 23, Millicent Villas.” And thinking to himself: 'No time like the present,' he turned in that direction. The job was delicate. He must be careful not to do anything which might compromise his power of making public use of his knowledge. Yes-ticklish! What he did now must have a proper legal bottom. Still, anyway you looked at it, he had a right to investigate a fraud on himself as a shareholder of “The Island Navigation Company,” and a fraud on himself as a creditor of old Heythorp. Quite! But suppose this Mrs. Larne was really entangled with old Pillin, and the settlement a mere reward of virtue, easy or otherwise. Well! in that case there'd be no secret commission to make public, and he needn't go further. So that, in either event, he would be all right. Only—how to introduce himself? He might pretend he was a newspaper man wanting a story. No, that wouldn't do! He must not represent that he was what he was not, in case he had afterwards to justify his actions publicly, always a difficult thing, if you were not careful! At that moment there came into his mind a question Bob Pillin had asked the other night. “By the way, you can't borrow on a settlement, can you? Isn't there generally some clause against it?” Had this woman been trying to borrow from him on that settlement? But at this moment he reached the house, and got out of his cab still undecided as to how he was going to work the oracle. Impudence, constitutional and professional, sustained him in saying to the little maid:

“Mrs. Larne at home? Say Mr. Charles Ventnor, will you?”

His quick brown eyes took in the apparel of the passage which served for hall—the deep blue paper on the walls, lilac-patterned curtains over the doors, the well-known print of a nude young woman looking over her shoulder, and he thought: 'H'm! Distinctly tasty!' They noted, too, a small brown-and-white dog cowering in terror at the very end of the passage, and he murmured affably: “Fluffy! Come here, Fluffy!” till Carmen's teeth chattered in her head.

“Will you come in, sir?”

Mr. Ventnor ran his hand over his whiskers, and, entering a room, was impressed at once by its air of domesticity. On a sofa a handsome woman and a pretty young girl were surrounded by sewing apparatus and some white material. The girl looked up, but the elder lady rose.

Mr. Ventnor said easily

“You know my young friend, Mr. Robert Pillin, I think.”

The lady, whose bulk and bloom struck him to the point of admiration, murmured in a full, sweet drawl:

“Oh! Ye-es. Are you from Messrs. Scrivens?”

With the swift reflection: 'As I thought!' Mr. Ventnor answered:

“Er—not exactly. I am a solicitor though; came just to ask about a certain settlement that Mr. Pillin tells me you're entitled under.”

“Phyllis dear!”

Seeing the girl about to rise from underneath the white stuff, Mr. Ventnor said quickly:

“Pray don't disturb yourself—just a formality!” It had struck him at once that the lady would have to speak the truth in the presence of this third party, and he went on: “Quite recent, I think. This'll be your first interest-on six thousand pounds? Is that right?” And at the limpid assent of that rich, sweet voice, he thought: 'Fine woman; what eyes!'

“Thank you; that's quite enough. I can go to Scrivens for any detail. Nice young fellow, Bob Pillin, isn't he?” He saw the girl's chin tilt, and Mrs. Larne's full mouth curling in a smile.

“Delightful young man; we're very fond of him.”

And he proceeded:

“I'm quite an old friend of his; have you known him long?”

“Oh! no. How long, Phyllis, since we met him at Guardy's? About a month. But he's so unaffected—quite at home with us. A nice fellow.”

Mr. Ventnor murmured:

“Very different from his father, isn't he?”

“Is he? We don't know his father; he's a shipowner, I think.”

Mr. Ventnor rubbed his hands: “Ye-es,” he said, “just giving up—a warm man. Young Pillin's a lucky fellow—only son. So you met him at old Mr. Heythorp's. I know him too—relation of yours, I believe.”

“Our dear Guardy such a wonderful man.”

Mr. Ventnor echoed: “Wonderful—regular old Roman.”

“Oh! but he's so kind!” Mrs. Larne lifted the white stuff: “Look what he's given this naughty gairl!”

Mr. Ventnor murmured: “Charming! Charming! Bob Pillin said, I think, that Mr. Heythorp was your settlor.”

One of those little clouds which visit the brows of women who have owed money in their time passed swiftly athwart Mrs. Larne's eyes. For a moment they seemed saying: 'Don't you want to know too much?' Then they slid from under it.

“Won't you sit down?” she said. “You must forgive our being at work.”

Mr. Ventnor, who had need of sorting his impressions, shook his head.

“Thank you; I must be getting on. Then Messrs. Scriven can—a mere formality! Goodbye! Good-bye, Miss Larne. I'm sure the dress will be most becoming.”

And with memories of a too clear look from the girl's eyes, of a warm firm pressure from the woman's hand, Mr. Ventnor backed towards the door and passed away just in time to avoid hearing in two voices:

“What a nice lawyer!”

“What a horrid man!”

Back in his cab, he continued to rub his hands. No, she didn't know old Pillin! That was certain; not from her words, but from her face. She wanted to know him, or about him, anyway. She was trying to hook young Bob for that sprig of a girl—it was clear as mud. H'm! it would astonish his young friend to hear that he had called. Well, let it! And a curious mixture of emotions beset Mr. Ventnor. He saw the whole thing now so plainly, and really could not refrain from a certain admiration. The law had been properly diddled! There was nothing to prevent a man from settling money on a woman he had never seen; and so old Pillin's settlement could probably not be upset. But old Heythorp could. It was neat, though, oh! neat! And that was a fine woman—remarkably! He had a sort of feeling that if only the settlement had been in danger, it might have been worth while to have made a bargain—a woman like that could have made it worth while! And he believed her quite capable of entertaining the proposition! Her eye! Pity—quite a pity! Mrs. Ventnor was not a wife who satisfied every aspiration. But alas! the settlement was safe. This baulking of the sentiment of love, whipped up, if anything, the longing for justice in Mr. Ventnor. That old chap should feel his teeth now. As a piece of investigation it was not so bad—not so bad at all! He had had a bit of luck, of course,—no, not luck—just that knack of doing the right thing at the right moment which marks a real genius for affairs.

But getting into his train to return to Mrs. Ventnor, he thought: 'A woman like that would have been—!' And he sighed.