It was a dull chilly afternoon in March. Christine Fanshaw huddled her slight little figure—she looked as if the cold would cut right through her—over a blazing fire in her boudoir. She held a screen between the flames and her face, and turned her eyes on Anna Selford, who was paying her a call. Anna was a plump dark girl, by no means pretty, but with a shrewd look about her and an air of self-confidence rather too assured for her years; she was dressed in a would-be artistic fashion, not well suited to her natural style.

"Awfully sad, isn't it?" she was saying. "But mamma says Mrs. Raymore is splendid about it. Mr. Raymore was quite upset, and was no good at all at first. It was Mrs. Raymore who went and got Charley away from the woman, and hushed up all the row about the money—oh, he had taken some from the office: he was in a solicitor's office, you know—and arranged for him to be sent out to Buenos Ayres—did the whole thing in fact. She's quite heart-broken about it, mamma says, but quite firm and brave too. How awful to have your son turn out like that! He was only nineteen, and Mrs. Raymore simply worshipped him."

"He used to be a very pretty little boy. A little boy! And now!" Christine plucked idly at the fringes of her hand-screen.

"And mamma says the woman was thirty, and not very good-looking either!"

"What a lot you know, Anna! You're hardly seventeen, are you? And Suzette Bligh's twenty-seven! But she's a baby compared to you."

"Oh, mamma always tells me things—or else I hear her and papa talking about them. When I'm washing the dogs, they forget I'm there, especially if they're squabbling at all. And I keep my ears open."

"Yes, I think you do."

"But generally mamma tells me. She always must talk to somebody, you see. When I was little she used to tell me things, and then forget it and box my ears for knowing them!"

Anna spoke without rancour; rather with a sort of quiet amusement, as though she had given much study to her mother's peculiarities and found permanent diversion in them.

"Poor Kate Raymore! So they're in trouble too!"

"Charley was awfully sorry; and they hope he'll come back some day, if he behaves well out there."

"Poor Kate Raymore! Well, there's trouble everywhere, isn't there, Anna?" She shivered and drew yet a little nearer the fire. "How are things at home with you?"

"Just as usual; nothing ever happens with us."

"It might be much worse than that."

"I suppose it might. It's only just rather dull; and I suppose I shall have to endure it for a long while. You see, I'm not very likely to get married, Mrs. Fanshaw. No men ever come to our house—they can't stand it. Besides I'm not pretty."

"Oh, come and meet men here; and never mind not being pretty; I could dress you to look quite smart. That's it! You should go in for smartness, not prettiness. I really believe it pays better nowadays. Get Janet—get your mother to give you an allowance, and we'll put our heads together over it."

"That's awfully kind of you, Mrs. Fanshaw."

"Oh, I like dressing people; and I do think girls ought to have their chances. But in those things she makes you wear—oh, my dear Anna!"

"Yes, I know. I'll ask her. And——"

Anna hesitated, then rose, and came over to Christine. Suddenly she kissed her.

"It's nothing, my dear," said Christine, amused but annoyed; she was very ready to help Anna, but did not care in the least for being kissed by her.

Anna sat down again, and there ensued a long pause.

"And as for not marrying," Christine resumed, "it's six of one and half a dozen of the other, I think. Oh, I should have hated to be an old maid; but still one would have avoided so much worry. Look at these poor Raymores! They've always got on so well too, up to now!"

She laid down her screen and pulled up her dress, to let the warmth get to her ankles. Anna looked at her dainty face lit up by the glow.

"I wish I was like you, Mrs. Fanshaw!"

Christine did not refuse the compliment; she only denied the value of the possession which won it for her.

"Much good it's done me, my dear!" she sighed. "But people who've not got looks never will believe how little good they are. Oh, I didn't mean to be rude, Anna! I believe in you, you know. I can do something with you. Only——" She stopped, frowning a little and looking vaguely unhappy. "Well," she resumed, "if it turns out that I can't take you under my wing, we must get hold of Sibylla. She's always ready to do things for people—and they've got lots of money, anyhow."

Anna's curiosity was turned in the direction of Sibylla.

"What was the truth about Mrs. Imason, Mrs. Fanshaw?"

"I made sure you'd know that too!" smiled Christine. "And if you don't, I suppose I oughtn't to tell you."

"I know she—she had an accident."

"Oh, well, everybody knows. Yes, she had, and they thought it was worse than it was. The country doctor down at Milldean made a mistake—took too serious a view, you know. And—and there was a lot of bother. But the London man said it would be all right, and so it turned out. The baby came all right, and it's a splendid boy."

"It all ended all right, then?"

Christine looked a little doubtful.

"The boy's all right, and Sibylla's quite well," she answered.

"But mamma said Mrs. Raymore hinted——"

"Well, Sibylla wouldn't believe the London man, you see. She thought that he—that he'd been persuaded to say she needn't have the operation she wanted to have, and that they meant to—— Well, really, Anna, I can't go into details. It's quite medical, my dear, and I can't express myself discreetly. Anyhow Sibylla made a grievance of it, you know, and relations were a little strained, I think."

"Oh, well, I suppose that's over now, since everything's gone right, Mrs. Fanshaw?"

"It ought to be," said Christine, shy of asserting the positive fact. "But very often fusses about nothing do just as much harm as fusses about something big. It's the way one looks at them."

"Yes, I ought to know that, living in our house," remarked Anna Selford.

"You do give your parents away so!" Christine complained, with a smile in which pity was mingled.

The pity, however, was not for the betrayed, but for the traitor. Anna's premature knowingness and the suggestion of hardness it carried with it were the result of a reaction against the atmosphere of her home, against the half-real gush and the spasmodic emotionality of the family circle. In this revolt truth asserted itself, but sweetness suffered, and freshness lost its bloom. Christine was sorry when that sort of thing happened to young girls. But there it was. Anna was not the ingÉnue, and it was no good treating her as if she were.

"I'm really half glad you don't live in this house. I'm sure John and I couldn't bear the scrutiny—not just now, anyhow." She answered Anna's questioning eyes by going on: "Oh, it's terrible, my dear. We've no money—now, really, don't repeat that! And John's full of business worries. It's positively so bad that I have to try to be amiable about it!"

"I'm so sorry, and I really won't talk about it, Mrs. Fanshaw."

"No, don't, my dear—not till we're in the bankruptcy court. Then everybody'll know. And I daresay we shall have some money again; at least bankrupts seem to have plenty generally."

"Then why don't you?"

"Anna! John would cut his throat first. Oh, I really believe he would! You've no idea what a man like him thinks of his business and of his firm's credit. It's like—well, it's like what we women ought to think (again Christine avoided asserting the actual fact) about our reputations, you know. So you may imagine the state of things. The best pair is being sold at Tattersall's this very day. That's why I'm indoors—cabs are so cold and the other pair will have to go out at night."

Shiveringly she nestled to the fire again.

"I'm so awfully sorry, Mrs. Fanshaw! It'll all come right, won't it?"

"It generally does; but I don't know. And John says I've always been so extravagant—and I suppose I have. Well, I thought it was just that John was stingy. He had a splendid business, you know." She paused and smiled at Anna. "So now you know all of everybody's troubles," she ended.

Christine was not in the habit of giving praise beyond measure or without reservation either to herself or to other people, and she had done no more than justice to her present effort to be amiable. Money was the old cause of quarrel between her husband and herself; the alternation of fat and lean years had kept it always alive and intermittently active. But hitherto, while the fat seasons had meant affluence, the lean had never fallen short of plenty or of solvency. It had been a question of more or less lavish expenditure; that was all. Christine was afraid there was more now. Her husband was worried as he had never been before; he had dropped hints of speculations gone wrong and of heavy commitments; and Christine, a constant glancer at City articles and an occasional dabbler in stocks, had read that there was a crisis in the market in which he mainly dealt. Things were black; she knew it almost as well as he. Both showed courage, and the seriousness of the matter forbade mere bickering. Nor was either invulnerable enough to open the battle. Her extravagance exposed her to attack; he was conscious of hazardous speculations which had wantonly undermined the standing, and now threatened the credit, of a firm once strong and of excellent repute. Each needed at once to give and to receive charity. Thus from the impending trouble they had become better friends, and their underlying comradeship had more openly asserted itself. This amount of good there was in it, Christine thought to herself; and John, in his blunt fashion, had actually said as much to her.

"We're in the same boat, and we must both pull at our oars, old girl," he said, and Christine was glad he should say it, although she hated being called "old girl." John had a tendency towards plebeian endearments, she thought.

So the best pair went to Tattersall's, and some of the diamonds to a corresponding establishment in the jewellery line; and various other things were done or attempted with the view of letting free a few thousand pounds and of diminishing expenditure in the future. But John Fanshaw's brow grew no clearer. About these sacrifices there hung the air of doing what was right and proper—what, given the worst happening, would commend itself to the feelings of the creditors and the Official Receiver—rather than of achieving anything of real service. Christine guessed that the speculations must have been on a very large scale and the commitments very heavy. Could it be that ruin—real ruin—was in front of them? She could hardly realise that—either its coming or what life would be after it had come. And in her heart—here too she had said no more than truth—she did doubt whether John would stay in the world to see. Well, what could she do? She had three hundred a year of her own tied up, and (since they had no children) to go back to her people on her death. If the ruin came, she could find crusts for herself and John—if John were there. These were the thoughts which had kept intruding into her mind as she talked to Anna Selford and shivered now and then over the blazing fire. Yet she could face them better than John, thanks to a touch of fatalism in her nature. She would think of no violent step to avoid what she feared. Hating it, she would sit shivering by the fire, and wait for it all the same. She knew this of herself, and therefore was even more sorry for John than on her own account. This state of mind made the amiability easier. It also awoke her conscience from a long sleep with regard to the way in which she had treated John in the past. Against this, however, she struggled not only fiercely, but with a conviction of justice. Here conscience was overdoing its part, and passing from scrupulousness to morbidity. The thing in question, the thing conscience had awoken about, belonged to the far past; it had been finished off and written off, enjoyed and deplored, brooded over and violently banished from thought, ever so long ago. Hardly anybody knew about it; it was utterly over. None the less, the obstinate irrational digs which conscience—awake again—gave her about it increased as John's face grew gloomier.

Late in the afternoon John Fanshaw came to his wife's room for a cup of tea.

"The pair went for only two hundred and forty-five," he said; "I gave four hundred for them six months ago. Ah, well, a forced sale, you know!"

"It doesn't make much difference, does it?" she asked.

"No," he said, absently stirring his tea. "Not much, Christine."

She sat very quiet by the fire watching him; her screen was in her hand again.

"It's no use, we must face it," he broke out suddenly. "Everything's gone against me again this week. I had a moral certainty; but—well, that isn't a certainty. And——"

He took a great gulp of tea.

A faint spot of colour came on Christine's cheek.

"What does it mean?" she asked.

"I've been to see Grantley Imason to-day. He behaved uncommonly well. The bank can't do anything more for me, but as a private friend——"

"Had you to ask him for money, John?"

"Well, friends often lend one another money, don't they? I don't see anything awful in that. I daren't go to the money-lenders—I'm afraid they'll sell the secret."

"I daresay there's nothing wrong in it. I don't know about such things. Go on."

"He met me very straight; and I met him straight too. I told him the whole position. I said, 'The business is a good one, but I've got into a hole. Once I get out of that, the business is there. On steady lines (I wish to God I'd kept on them!) it's worth from eight to ten thousand a year. I'll pay you back three thousand a year, and five per cent. on all capital still owing.' I think he liked the way I put it, Christine. He asked if he could take my word for it, and I said he could; and he said that on the faith of that he'd let me have fifteen thousand. I call that handsome."

"Grantley always likes to do the handsome thing." She looked at him before she put her question. "And—and is that enough?"

He was ashamed, it was easy to see that—ashamed to show her how deep he was in the bog, how reckless he had been. He finished his tea, and pottered about, cutting and lighting a cigar, before he answered.

"I suppose it's not enough?" said Christine.

"It's no use unless I get some more. I don't know where else to turn, and I must raise thirty thousand in a fortnight—by next settling day—or it's all up. I shall be hammered, Christine."

"If we sold up absolutely everything——?"

"For God's sake no! That would ruin our credit; and then it wouldn't be thirty thousand we should want, but—oh, I don't know! Perhaps a hundred! We've sold enough already; there's nothing more we can do on the quiet."

He sat down opposite to her, and stared gloomily at the fire. Christine rather wondered that he did not turn to abuse of himself for having got into the bog, but she supposed that the speculative temper, which acknowledges only bad luck and never bad judgment, saved him from that. He looked at her covertly once or twice; she saw, but pretended not to, and waited to hear what was in his mind: something, clearly, was there.

"No, I don't know where to turn—and I shall be hammered. After thirty years! and my father forty years before me! I never though of its coming to this." After a long pause he added: "I want another fifteen thousand, and I don't know where to turn." He smoked hard for a minute, then flung his cigar peevishly into the fire.

"I do wish I could help you, John!" she sighed.

"I'm afraid you can't, old lady." Again he hesitated. "Unless——" He broke off again.

Christine had some difficulty in keeping her nerves under control. When he spoke again it was abruptly, as though with a wrench.

"I say, do you ever see Caylesham now?"

A very slight, almost imperceptible, start ran over her.

"Lord Caylesham! Oh, I meet him about sometimes. He's at the Raymores' now and then—and at other places of course."

"He never comes here now, does he?"

"Very seldom: to a party now and then." She answered without apparent embarrassment, but her eyes were very sharply on the watch; she was on guard against the next blow.

"He was a good chap, and very fond of us. Lord, we had some fine old times with Caylesham!" He rose now and stood with his back to the fire. "He must be devilish rich since he came into the property."

He looked at her inquiringly. She said nothing.

"He's a good chap too. I don't think he'd let a friend go to the wall. What do you think? He was as much your friend as mine, you know."

"You'd ask him, John? Oh, I shouldn't do that!"

"Why not? He's got plenty."

"We see so little of him now; and it's such a lot to ask."

"It's not such a lot to him; and it's only accidental that we haven't met lately." He looked at her angrily. "You don't realise what the devil of a mess we're in. We've no choice, I tell you, but to get it from somewhere; and there's nobody else I know to ask. Why, he'll get his money back again, Christine."

Her screen was before her face now, so that he saw no more than her brow.

"I want you to go and ask him, Christine. That's what you can do for me. You said you wanted to help. Well, go and ask Caylesham to lend me the money."

"I can't do that, John."

"Why not? Why can't you?"

"I should hate your asking him, and I simply couldn't ask him myself."

"Why do you hate my asking him? You said nothing against my asking Grantley, and we haven't known him any better."

She had no answer to that ready. The thrust was awkward.

"Anyhow I couldn't ask him—I really couldn't. Don't press me to do that. If you must ask him, do it yourself. Why should I do it?"

"Why, because he's more likely to give it to you."

"But that's—that's so unfair. To send a woman because it's harder to refuse her! Oh, that isn't fair, John!"

"Fair! Good heavens, can't you understand how we're situated? It's ruin if we don't get it—and I'm damned if I'll live to see it! There!"

She saw his passion; his words confirmed her secret fear. She saw, too, how in the stress of danger he would not stand on scruples or be baulked by questions of taste or of social propriety. He saw possible salvation, and jumped at any path to it; and the responsibility of refusing to tread the path he put on her, with all it might mean.

"If I went and he said 'No,' you couldn't go afterwards. But you can go first, and you must go."

Christine raised her head and shook it.

"I can't go," she said.

"Why not? You're infernally odd about it! Why can't you go? Is it anything about Caylesham in particular?"

"No, no, nothing—nothing like that; but I—I hate to go."

"You must do it for me. I don't understand why you hate it so much as all that."

He was regarding her with an air at once angry and inquisitive. She dared hide her face no longer. She had to look at him calmly and steadily—with distress perhaps, but at all costs without fear or confusion.

"My good name depends on it, and all we have in the world; and—by God, yes!—my life too, if you like!" he exclaimed in rising passion. "You shall go! No, no! I don't mean that—I don't want to be rough! But, for heaven's sake—if you've ever cared about me, old woman—for heaven's sake, go!"

She hesitated still, and at this his passing touch of tenderness vanished; but it had moved her, and it worked with the fear that was on her.

"If you've a special reason, tell it me," he urged impatiently: "a special reason against asking Caylesham; somebody we must ask."

"I have no special reason against asking Lord Caylesham," she answered steadily.

"Then you'll go?"

A last struggle kept her silent a moment. Then she answered in a low voice:

"Yes, I'll go."

"There's a brave little woman!" he cried delightedly, and bent down as if he would kiss her; but she had slipped her screen up nearly to her eyes again, and seemed so unconscious of his purpose that he abandoned it. His spirits rose in a moment, as his sanguine mind, catching hold of the bare chance, twisted it into a good chance—almost into a certainty.

"Gad, I believe he'll give it you! You'll put it in such a fetching way. Oh, his money's safe enough, of course! But—well, you'll make him see that better than I could. He liked you so much, you know. By Jove, I'm sure he'll do it for you, you know!"

Christine's pain-stricken eyes alone were visible above the screen. Underneath it her lips were bent in an involuntary smile of most mocking bitterness. Conscience had not been at her without a purpose. At her husband's bidding she must go and ask Caylesham for money. She bowed to conscience now.