Jane Oglander was walking across Westminster Bridge on a late September day.

It was a little after four o'clock—on the bridge perhaps the quietest time of the working day—but a ceaseless stream of human beings ebbed to and fro. She herself came from the Surrey side of the river, and now and again she stayed her steps and looked over the parapet. It was plain—or so thought one who was looking at her very attentively—that she was more interested in the Surrey side, in the broken line of St. Thomas's Hospital, in the grey-red walls of Lambeth Palace and the Lollards' Tower, than in the mass of the Parliament buildings opposite.

But though Miss Oglander stopped three times in her progress over the bridge, she did not stay at any one place for more than a few moments—not long enough to please the man who had gradually come up close to her.

Having first noticed her in front of the bridge entrance of St. Thomas's Hospital, this man had made it his business to keep, if well behind, then in step with her.

A human being—and especially a woman—may be described in many ways. For our purpose it was fortunate that on this eventful afternoon of her life Miss Oglander happened to attract the attention of an observer, who, if then living in great penury and solitude, was yet destined to become what a lover of literature has described as the greatest interpreter of the human side of London life since Dickens.

When he was not writing, this man—whose name, by the way, was Ryecroft, and whose misfortune it was to be temperamentally incapable of sustained, wage-earning work—spent many hours walking about the London streets studying the human side of London's traffic, and especially that side which to a certain type of observer, of saunterer in the labyrinth, is full of ever recurring mystery and charm. He wrote of the depths, because the depths were all he knew, with an intimate and a terrible knowledge. But he had your true romancer's craving for romance, and his eager face with its curiously high, straight forehead crowned with a shock of rather long auburn hair, was the face and head of the idealist, of the humourist, and—now that he is dead, why not say so?—of the lover, of the man that is to whom the most interesting thing in the world remains, when all is said and done,—woman, and man's pursuit, not necessarily conquest, of the elusive creature.

Ryecroft had been already on Westminster Bridge for some time before he became aware that a feminine figure of more than common distinction and interest, a young lady whose appearance and light buoyant step sharply differentiated her from those about her, was walking toward him. As he saw her his eyes lighted up with a rather pathetic pleasure, and in an instant he had become sensitively aware of every detail of her dress. She wore a plain grey coat and skirt, and a small hat of which the Mercury wings, to the whimsical fellow watching her, evoked the Hellas of his dreams. A black and white spotted veil, which, as was then the fashion, left the wearer's delicately cut sensitive mouth bare, shadowed her hazel eyes.

Ryecroft noticed—he always saw such things—that the young lady wore odd gloves, the one on her right hand was light grey, that clothing her left moleskin in colour. The trifling fact pleased him. It showed, or so he argued with himself, that this sweet stranger had a soul above the usual pernickety vanities of young womanhood.

For a moment their eyes met, and he admired the gentle, not unkind indifference with which she received his eager, measuring glance.

In a sense, Jane Oglander never saw at all the man who was gazing at her so intently, and he never saw her again, but for some moments—perhaps for as long as half an hour—this singular and gifted being felt himself to be in sensitive, even close, sympathy with her, and in his emotional memory she henceforth occupied a niche labelled "The Lady of Westminster Bridge."

Ryecroft allowed Miss Oglander to pass by him, and then quietly and very unobtrusively he followed her; stopping when she stopped, following the direction of her eyes, trying as far as might be to think her thoughts, and meanwhile weaving in his mind a portrait of her having as little relation to reality as has a woodland scene in tapestry to a real sun and shadow-filled glade.

"Here," he said to himself, "is a girl who is assuredly not accustomed to walking the more populous thoroughfares of London by herself. Were she quite true to type she would be what they called 'chaperoned' by a lady's maid, that is by a woman who would be certainly aware that I was following them, and who would probably take my attention for herself. A dozen men might follow this young lady and she would not be aware of their proximity. There is something about her of Una, but Una so completely protected by a quality in herself, and by her upbringing and character, that she has no need of a lion.

"For me she holds a singular appeal, because she is unlike the only woman I ever have the chance of meeting, and because we, that gentle, austerely attractive creature and I, have much in common. Effortless she has achieved all that I long for and that I know I shall never obtain—intellectual distinction in those she frequents, the satisfaction attendant on proper pride, and doubtless, in her daily life, refined beauty of surroundings. She is very plainly dressed, but that is because she has a delicate and elevated taste, and happily belongs to that small, privileged class which is able to pay the highest price, and so command the best type of gown, the prettiest shoes, the best fitting gloves—even if she wears them odd—and the most becoming hat.

"But what has Una been doing on the Surrey side of the Thames?"

Ryecroft smiled; he thought the answer to his question obvious.

"She has been"—he went on, talking to himself, and forming the words with his lips, for he was a very lonely man—"to St. Thomas's Hospital, either to see some friend who is in the paying ward, or to visit a poor person in whom she is—to use the shibboleth of Mayfair—'interested.' It is a more or less new experience, and though she is evidently in a hurry, she cannot help lingering now and again, thinking over the strange, dreadful things with which she has, doubtless for the first time, now come in contact. She doesn't care for the Houses of Parliament—they represent to her the thing she knows, for she often takes part in that odd rite, 'Tea on the Terrace.' But she is timorously attracted to the other side—to the dark, to the pregnant side of life. And above all what fascinates her is the river—the river itself, at once so like and so unlike the Thames she knows above Richmond where she goes boating with her brothers' friends, with the young men with whom she seems on such intimate terms and of whom she knows so extraordinarily little, and who treat her, very properly, as something fragile, to be cared for, respected...."

When she reached the end of the bridge, after looking to the right and to the left, the young lady walked across the roadway with an assured step, and Ryecroft's eager, sensitive face brightened. This was in the picture, the picture he had drawn and coloured with his own pigments. "For this kind of young Englishwoman the traffic stops instinctively of itself," he said to himself; "and she has no fear of being run over" (perhaps it should be added, that this little one-sided adventure of Henry Ryecroft's took place before the advent of the trams). And still he followed, keeping close behind her. Suddenly she turned toward the Underground Railway, and this annoyed him; he had hoped that she (and he) would walk down Great George Street, across the two parks, and so into old Mayfair.

As an alternative he had promised himself the pleasure of seeing her get into a hansom-cab. Were she to disappear into the ugly gulf of the Underground it would disappoint him unreasonably. But stop! She had turned her back on the cavernous entrance to the station and she was gazing down at the posters of the evening papers.

The placards were all emblazoned with the same piece of news, differently worded: "General Lingard in London," "Reception of Lingard at Victoria," "Return of a Famous Soldier."

Ryecroft's lip curled. He had an intellectual contempt for the fighting man as such, and a horror, nay a loathing, of war. He knew what even a brief and successful war means to those among whom his own lot was cast, the London woman whose son, whose brother, whose lover is so often called Thomas Atkins.

And now, at last, he heard his lady's voice. She beckoned to the smallest and most ragged of the lads selling newspapers:—

"I want all to-night's papers:" her voice fell with an agreeable cadence on Ryecroft's ears. He was singularly susceptible to the cadences of the human voice, and he thought he had never heard a sweeter. She took a shilling out of her purse, and, rather to his surprise, he saw that her purse was small, black and worn.

"How much?" she asked gently.

The boy hesitated, and then answered, "Five-pence halfpenny."

She handed him a shilling. "You can keep the change," she said, and a very charming smile quivered across her face, "for yourself."

The man who was watching her felt touched—unreasonably moved. "Thank God," he said to himself, "that, unlike many of her friends, she has nothing to do with the C.O.S.!"

Then to Ryecroft's surprise, instead of going on as he expected her to do—he had already made up his mind that she was taking the papers home to an invalid father, or to a brother who had hurt himself in one of those mad games in which, as the watcher knew well, the young English oligarch delights to spend his spare time—the young lady turned, and crossed over again on to the bridge, but this time she chose the other side, the side which commands the more beautiful view of the London river.

"Dear me," he said to himself, "the plot thickens!" and then he suddenly told himself that of course she was going back to the hospital. The person she was going to see had asked for an evening paper, and in her generosity she had bought them all.

But on the bridge she stayed her steps, and, opening one of the papers, spread it out against the parapet, and began eagerly reading it, unheeding of the human stream flowing to and fro behind her.

Ryecroft gently approached closer and closer to her, and at last he was able to see what it was she was bending over and reading with such intentness: "General Lingard's Home-coming." "Splendid Reception at Victoria Station." So was the column headed, and already her eyes had travelled down to the last paragraph:

"To conclude: by his defeat of the great Mahomedan Emir of Bobo, General Lingard has added to the British Crown another magnificent jewel in the Sultanate of Amadawa."

Then came a cross-head—"Pen Portrait."

"Lingard is above all things a fighter. His eye is keen, alert, passionless. He is a tall man, and he dominates those with whom he stands. His life as a soldier has been from the beginning a wooing of peril, and as a result he has commanded a victorious expedition at an age when his seniors are hoping to command a regiment. He does not talk as other men talk—he is no teller of 'good stories.' He is a Man."

Jane Oglander looked up, and there came a glow—a look of proud, awed gladness on her face.

Then, folding the paper, she walked steadily on. But though she crossed over the bridge as if she were going to the hospital, to the side entrance where visitors are admitted, she walked on past the mass of buildings. Then she turned sharply to the left, Ryecroft still following, till she came to a small row of houses, respectable, but poor and mean in appearance, in a narrow street which was redeemed to a certain extent by the fact that there was a Queen Anne church at one end of it, and next to the church a substantial rectory or vicarage house. To Ryecroft's measureless astonishment, she opened her purse, took out a latch-key and let herself into the front-door of one of the small houses....

Three weeks later Henry Ryecroft happened to be in that same neighbourhood, and he suddenly remembered his Lady of Westminster Bridge. Greatly daring—but he ever loved such daring—he rang at the door of the house at which he had seen her go in.

A typical Londoner of the hard-working, self-respecting class answered his ring. She stood for a moment looking at him, waiting for him to speak.

"Is the lady in?" he asked, feeling suddenly ashamed and foolish. "I mean the young lady who lives here."

"Miss Oglander?" said the woman. "No, she's away. But I'll give you her address."

She handed him a piece of paper on which was written in what he thought was a singularly pretty handwriting:—

Miss Oglander,
Rede Place,
Redyford,
Surrey.

He took the little piece of paper and walked away. When he found himself on the bridge he dropped the paper into the river. "Oglander," he said to himself, "a curious, charming name, rhyming with Leander, philander——" he shook his head and smiled, "no, no, not philander," he said, speaking the words aloud. "Lavender, that's what her name should rhyme to,—Lavender...."

Henry Ryecroft, in his way a philosopher, would have been at first gently amused, and then perhaps moved and interested, had he known both how right and how wrong had been the kitcat portrait he had evolved out of his inner consciousness.

He had been right as to the type. He had even been successful in realizing something of Miss Oglander's inward mind and character from her outward appearance, but he had been quite wrong as to the present circumstances of her life.

It was true that she belonged to the privileged class who alone in the seething world of London have the command of money, and also the command, materially speaking, of the best. But if born and bred in the west of London, she now belonged by deliberate choice to the south side of the Thames. At a moment when she desired to hide herself from the world, she had chosen that ugly, formless district of London which lies between Westminster Bridge and Vauxhall Bridge because a distant relation of her mother's had married a clergyman whose parish lay there, and he had offered to find her in that parish plenty of hard work to still her pain.

As a young girl, Jane Oglander had lived the life that Ryecroft imagined her to be living now. While keeping house for a bachelor brother, she had seen, from a pleasantly sheltered standpoint, all that was most agreeable and amusing in the cultivated London world. Treated with the gentle gallantry and respect Ryecroft had supposed by her brother's friends, she was—as is so often the case with a young woman who has been almost entirely educated by men and surrounded with masculine influences—graver, less frivolous, more austerely refined than were most of her contemporaries.

Her nature, the core of her, was happy, tender, sensitive, capable also of a depth of feeling—and feeling always implies a certain violence—unsuspected by those round her. Thanks to the circumstances of her birth and upbringing Jane Oglander might conceivably have lived a long beneficent life, and have finally slipped out of that life without becoming aware that there were such tragic things as sin, shame, and acute suffering in the world.

Humility was not lacking to one endowed with many of the other endearing graces. Jane Oglander was very conscious of the lack in herself of those practical qualities which make their fortunate possessors ever punctual and unforgetful of the minor duties of life. She would forget to answer unimportant letters, mistake the hour of unessential invitations, arrive late for trains, and, as we have seen, tempt gifts her way by putting on odd articles of clothing which her wiser friends always wore in pairs.

But she was never found lacking in that beautiful quality which the French call la politesse du coeur. Thus, her mental lapses were never of a nature to hurt the feelings or the pride of those whose feelings and whose pride are often regarded by people more fortunate in a material sense than themselves as so unimportant as to be probably non-existent.

First her father, and then her brother, had been instinctively careful that she should only know the best of life. They had preserved her with firm decision from any of those influences which might have injured, thrown ever so small a speck or blemish, on her feminine delicacy. Her father's death, occurring when she was eighteen, had meant that the first year of her life as a grown-up girl had been spent in sincere mourning.

Two very happy years had followed, and then on a certain thirteenth of September—that is, almost exactly five years ago—there had befallen Jane Oglander a thing which befalls daily, it might be said hourly, some unfortunate human being.

There had cut right into and across her young, peaceful life a tragedy full of ignoble horror, of that horror which attracts the eager interest and attention of the morbid, the idle, and the vulgar.

Jane Oglander's kind brother, some years older than herself, whom she had taken as completely on trust as all normal young women take those who are near and dear to them, had left the club where he had been dining, and hailing a cab, had driven to a distant quarter of the town, a quarter of which the very name was unknown to his sister and to those with whom she generally associated. There, in the space of a very few moments, he had killed, not only a man who was regarded as in a special sense his friend and as a peculiarly harmless individual, but also the woman with whom he had found this man.

Certain circumstances of the affair, circumstances of quite an everyday nature, though they had appeared to the amazed and agonised sister incredible, had roused a good deal of public sympathy with Jack Oglander. Though the fact that he had taken a pistol with him, as well as some confidences he had made to yet another friend who had played a minor part in the sordid drama, pointed to premeditation, the verdict had been manslaughter.

Fortunately, as everyone except his poor sister thought, Jack Oglander fell ill and died a normal death in the prison infirmary within two months of his trial.

Friends had rallied—too many rather than too few—round the unfortunate girl; but her best friends, those to whom she felt she owed the greatest gratitude, were a certain Richard Maule, one of the trustees of her small fortune, and Richard Maule's wife, Athena.

Mr. Maule, at the time of the tragedy already an invalid, had been able to do nothing in an active sense, but his country house, Rede Place, had immediately become, whenever she chose that it should be so, Miss Oglander's home. In this matter the husband and wife were one in a sense they had scarcely ever been, but in the happy, cloudless days which now seemed to have belonged to a former existence, Jane Oglander had already become as much as a young girl can be to a married woman some years older than herself, Mrs. Maule's closest friend.

With these two dear friends was joined in the same wordless sense of deep gratitude Dick Wantele, Richard Maule's cousin, and in this affair his spokesman and representative.

It was this young man who, shaking himself free of a constitutional lethargy, had become the indispensable adviser and friend of both brother and sister; it was he who had persuaded Jack Oglander to plead "not guilty"; it was he who had gone to great personal trouble in order that Miss Oglander might be spared, as much as was possible, the dreadful publicity into which each such tragic happening brings innocent victims.

During the weeks which elapsed between the arrest and the trial, Miss Oglander learnt to lean on Dick Wantele, to ask for, and defer to, his advice, far more than she was at the time aware. Wantele's tact and good feeling, and his intelligent withholding of the sympathy with which she was at that time nauseated, were almost uncannily clever considering the end he had in view.

An offer of marriage very seldom takes a woman by surprise, but twice Jane Oglander was so surprised immediately after her brother's arrest.

The very next day a man much older than herself—whom she had regarded with the kindly affection and indifference with which girls so often regard one whom they unconsciously consider as a contemporary of their parents rather than their own—had come and implored her to marry him there and then. He was a member of the administration then in office, and he had hinted that by doing this—that is, by marrying him—she would almost certainly benefit her brother's cause. But though she was touched, and touched to tears, by the strangely worded proposal, it formed but an incident, to herself an unimportant incident, in days crowded with such pain and amazing unhappiness.

Some weeks later, while driving back with Jane Oglander from her first interview with her brother in prison, during that long—it appeared to her that endless—drive from Holloway to Westminster, Dick Wantele also asked her to marry him, and this offer she also refused. But Wantele would not allow his disappointment to affect their apparently placid friendship. He it was who brought her the news that her brother was ill, and he was actually present at Jack Oglander's mournful deathbed in the prison infirmary.

Rather ruefully aware that it was so, Dick Wantele now stood to Jane Oglander much in the position her dead brother had once stood. She had come to feel for him a deep unquestioning affection; it was to him she would have turned in any new distress.

They met frequently, for though Miss Oglander had become absorbed in the work among the London poor to which she henceforth dedicated her life, her happiest, her only peaceful days—for she took keenly to heart the material cares and sorrows of those with whom she was brought in contact—were the weeks she spent each year at Rede Place.

When there, the thrice welcome guest of Richard and Athena Maule, and of their kinsman and housemate Dick Wantele, Jane's content would have been absolute had her host and hostess been on the terms of amity Miss Oglander supposed all married people as noble as Richard and as good and beautiful as was Athena should be. But she had in this matter, as one so often has to do when dealing with a dual human relation, to compromise. She gave, that is, her grateful love to both these people who, if themselves on unhappy terms, were yet one in their affection for her.

It was to her an added perplexity and pain that her friend Dick sided with his cousin Richard Maule rather than with Richard's wife Athena. Nay, he went further—he took no pains to conceal his contemptuous indifference to the beautiful woman who was perforce his housemate for much of the year. Small wonder that Mrs. Richard Maule generally absented herself from home when her friend Jane Oglander was there to take the place only a woman can fill in a country house of which the master is an invalid, his heir a bachelor.

So it was that the two women only saw much of one another when Mrs. Maule was in London.