Drummond's first speculations were very successful, as is so often the case with the innocent and ignorant dabbler in commercial gambling. Mr Burton instructed him what to do with his little capital, and he did it. He knew nothing about business, and was docile to the point of servility to his disinterested friend, who smiled at his two thousand pounds, and regarded it with amused condescension. Two thousand pounds! It meant comfort, ease of mind, moral strength, to Drummond. It made him feel that in the contingency of a bad year, or a long illness, or any of the perils to which men and artists are liable, he would still be safe, and that his wife and child would not suffer; but to the rich City man it was a bagatelle scarcely worth thinking of. When he really consented to employ his mind about it, he made such use of it as astonished and delighted the innocent painter. All that his simple imagination had ever dreamed seemed likely to be carried out. This was indeed money-making he felt—Trade spelt with a very big capital, and meaning something much more splendid than anything he had hitherto dreamt of. But then he could not have done it by himself or without instruction. Burton could not have been more at a loss in Drummond's studio than he would have felt in his friend's counting-house. Mr Burton was 'a merchant;' a vague term which nevertheless satisfied the painter's mind. He was understood to be one of the partners in Rivers's bank, but his own business was quite independent of that. Money was the material he dealt in—his stock-in-trade. He understood the Funds as a doctor understands a patient whose pulse he feels every day. He could divine when they were going to rise and when they were going to fall. And there were other ways in which his knowledge told still more wonderfully. He knew when a new invention, a new manufacture, was going to be popular, by some extraordinary magic which Drummond could not understand. He would catch a speculation of this sort at its tide, and take his profit from it, and bound off again uninjured before the current began to fall. In all these matters he was knowing beyond most men; and he lent to his cousin's husband all the benefit of his experience. For several years Drummond went on adding to his store in a manner so simple and delightful, that his old way of making money, the mode by which months of labour went to the acquisition of a few hundred pounds, looked almost laughable to him. He continued it because he was fond of his art, and loved her for herself alone; but he did it with a sort of banter, smiling at the folly of it, as an enlightened old lady might look at her spinning-wheel. The use of it? Well, as for that, the new ways of spinning were better and cheaper; but still not for the use, but for the pleasure of it!—So Drummond clung to his profession, and worked almost as hard at it as ever. And in the additional ease of his circumstances, not needing to hurry anything for an exhibition, or sacrifice any part of his design for the fancy of a buyer, he certainly painted better than usual, and was made an Associate, to the general satisfaction of his brethren. These were the happy days in which the studio was built. It was connected with the house, as I have said, by a conservatory, a warm, glass-covered, fragrant, balmy place, bright with flowers. 'There must always be violets, and there must always be colour!' he had said to the nurseryman who supplied and kept his fairy palace in order, after the fashion of London. And if ever there was a flowery way contrived into the thorny haunts of art it was this. It would perhaps be rash to say that this was the happy time of Drummond's married life, for they had always been happy, with only that one drawback of Helen's dissatisfaction with her husband's work. They had loved each other always, and their union had been most true and full. But the effect of wealth was mollifying, as it so often is. Prosperity has been railed at much, as dangerous and deadening to the higher being; but prosperity increases amiability and smooths down asperities as nothing else can. It did not remove that one undisclosed and untellable grievance which prevented Mrs Drummond's life from attaining perfection, but it took away ever so many little points of irritation which aggravated that. She got, for one thing, the dining-room she wanted—a prosaic matter, yet one which Helen considered important—and she got, what she had not bargained for, that pretty conservatory, and a bunch of violets every day—a lover-like gift which pleased her. Things, in short, went very well with them at this period of their existence. Her discontents were more lulled to sleep than they had ever been before. She still saw the absence of any divine meaning in her husband's pictures; but she saw it with gentler eyes. The pictures did not seem so entirely his sole standing-ground. If he could not grow absolutely illustrious by that or any personal means of acquiring fame, he might still hold his own in the world by other means. Helen sighed over her Titian-dream, but to a great extent she gave it up. Greatness was not to be; but comfort and even luxury were probable. Her old conditions of life seemed to be coming back to her. It was not what she had dreamed of; but yet it was better to have mediocrity with ease and modest riches, and pleasant surroundings, than mediocrity without those alleviations. To do her justice, had her husband been a great unsuccessful genius, in whom she had thoroughly believed, she would have borne privation proudly and with a certain triumph. But that not being so, she returned to her old starting-ground with a sigh that was not altogether painful, saying to herself that she must learn to be content with what she had, and not long for what she could not have.

Thus they were happier, more hopeful, more at their ease. They went more into society, and received more frequent visits from their friends. The new studio made many social pleasures possible that had not been possible. Of itself it implied a certain rise in the world. It gave grace and completeness to their little house. Nobody could say any longer that it was half a house and half a workshop, as Helen, under her breath, in her impatience, had sometimes declared it to be. The workshop phase was over, the era of self-denial gone—and yet Robert was not driven from the art he loved, nor prevented from putting on his old coat and stealing away in the evenings to visit the mistress who was dearer to him than anything else except his wife.

This was the state of affairs when the painter one day entered Helen's drawing-room in a state of considerable excitement. He was full of a new scheme, greater than anything he had as yet been engaged in. Rivers's bank, which was half as old as London, which held as high repute as the Bank of England, which was the favourite depository of everybody's money, from ministers of state down to dressmakers, was going to undergo a revolution. The Riverses themselves had all died out, except, indeed, the head of the house, who was now Lord Rivers, and had no more than a nominal connection with the establishment which had been the means of bringing him to his present high estate. The other partners had gradually got immersed in other business. Mr Burton, for instance, confessed frankly that he had not time to attend to the affairs of the bank, and the others were in a similar condition:—they had come in as secondaries, and they found themselves principals, and it was too much for them. They had accordingly decided to make Rivers's a joint-stock bank. This was the great news that Drummond brought home to his wife. 'I will put everything we have into it,' he said in his enthusiasm, 'unless you object, Helen. We can never have such another chance. Most speculations have a doubtful element in them. But this is not at all doubtful. There is an enormous business ready made to our hands, and all the traditions of success and the best names in the City to head our list—for of course the old partners hold shares, and will be made directors of the new company——And—you will laugh, Helen, but for you and the child I feel able to brave anything—I am to be a director too.'

'You!' cried Helen, with a surprise which had some mixture of dismay. 'But you don't know anything about business. You can't even——'

'Reckon up my own accounts,' said the painter placidly—'quite true; but you see it is a great deal easier to calculate on a large scale than on a small scale. I assure you I understand the banking system—at least, I shall when I have given my mind to it. I shouldn't mind even,' he said laughing, 'making an effort to learn the multiplication table. Norah might teach me. Besides, to speak seriously, it doesn't matter in the least: there are clerks and a manager to do all that, and other directors that know all about it, and I shall learn in time.'

'But, then, why be a director at all?' said Helen. She said this more from a woman's natural hesitation at the thought of change, than from any dislike of the idea; for she belonged to the race from which directors come by nature. Poor Drummond could not give any very good reason why he desired this distinction; but he looked very wise, and set before her with gravity all the privileges involved.

'It brings something in,' he said, 'either in the way of salary, or special profits, or something. Ask your cousin. I don't pretend to know very much about it. But I assure you he is very great upon the advantages involved. He says it will be the making of me. It gives position and influence and all that—'

'To a painter!' said Helen: and in her heart she groaned. Her dream came back like a mist, and wove itself about her head. What distinction would it have given to Raphael or to Titian, or even to Gainsborough or Sir Joshua Reynolds, to be made directors of a bank? She groaned in her heart, and then she came back to herself, and caught her husband's eyes looking at her with that grieved and wondering look, half aware of the disappointment he had caused her, humbled, sorry, suspicious, yet almost indignant, the look with which he had sometimes regarded her from among his pictures in the day when art reigned alone over his life. Helen came abruptly to herself when she met that glance, and said hurriedly, 'It cannot change your position much, Robert, in our world.'

'No,' he said, with a glance of sudden brightness in his eyes which she did not understand; 'but, my darling, our world may expand. I should like you to be something more than a poor painter's wife, Helen—you who might be a princess! I should not have ventured to marry you if I had not hoped to make you a kind of princess; but you don't believe I can; do you?' Here he paused, and, she thought, regarded her with a wistful look, asking her to contradict him. But how could she contradict him? It was true. The wife of a pleasant mediocre painter, Associate, or in time Academician—that was all. Not a thorough lady of art such as—such as——Such as whom? Poor Andrea's Lucrezia, who ruined him? That was the only painter's wife that occurred to Helen.

'Dear Robert,' she said earnestly, 'never mind me: so long as I have you and Norah, I care very little about princesses. We are very well and very happy as we are. I think you should be careful, and consider well before you make any change.'

But by this time the brightness that had been hanging about him came back again like a gleam of sunshine. He kissed her with a joyous laugh. 'You are only a woman,' he said, 'after all. You don't understand what it is to be a British director. Fancy marching into the bank with a lordly stride, and remembering the days when one was thankful to have a balance of five pounds to one's credit! You don't see the fun of it, Helen; and the best of the whole is that an R.A. on the board of directors will be an advantage, Burton says. Why, heaven knows. I suppose he thinks it will conciliate the profession. We painters, you see, are known to have so much money floating about! But anyhow, he thinks an R.A.——'

'But, Robert! you are not an R.A.'

'Not yet. I forgot to tell you,' he added, lowering his voice, and putting on a sudden look of gravity, which was half real, half innocently hypocritical. 'Old Welby died last night.'

Then there was a little pause. They were not glad that old Welby was dead. A serious shade came over both their faces for the moment—the homage, partly natural, partly conventional, that human nature pays to death. And then they clasped each other's hands in mutual congratulation. The vacant place would come to Drummond in the course of nature. He was known to be the first on the list of Associates. Thus he had obtained the highest honours of his profession, and it was this and not the bank directorship which had filled him with triumph. His wife's coldness, however, checked his delight. His profession and the public adjudged the honour to him; but Helen had not adjudged it. If the prize had been hers to bestow, she would not have given it to him. This made his heart contract even in the moment of his triumph. But yet he was triumphant. To him it was the highest honour in the world.

'Poor old Welby!' he said. 'He was a great painter; and now that he is dead, he will be better understood. He was fifty before he entered the Academy,' the painter continued, with half-conscious self-glorification. 'He was a long time making his way.'

'And you are more than ten years younger,' said Helen. Surely that might have changed her opinion if anything could. 'Robert, are you to be put upon this bank because you are an R.A.?'

'And for my business talents generally,' he said, with a laugh. His spirits were too high to be subdued. He would not hear reason, nor, indeed, anything except the confused delightful chatter about his new elevation, in which the fumes of happiness get vent. He plunged into an immediate revelation of what he would do in his new capacity. 'It will be odd if one can't make the Hanging Committee a little more reasonable,' he said. 'I shall set my face against that hideous habit of filling up "the line" with dozens of bad pictures because the men have R.A. at their names. Do you remember, Helen, that year when I was hung up at the ceiling? It nearly broke my heart. It was the year before we were married.'

'They were your enemies then,' said Helen, with some visionary remnant of the old indignation which she had felt about that base outrage before she was Robert Drummond's wife. She had not begun to criticise him then—to weigh his pictures and find them wanting; and she could still remember her disgust and hatred of the Hanging Committee of that year. Now no Hanging Committee could do any harm. It had changed its opinion and applauded the painter, but she—had changed her opinion too. Then this artist-pair did as many such people do. By way of celebrating the occasion they went away to the country, and spent the rest of the day like a pair of lovers. Little Norah, who was too small to be carried off on such short notice, was left at home with her governess, but the father and mother went away to enjoy the bright summer day, and each other, and the event which had crowned them with glory. Even Helen's heart was moved with a certain thrill of satisfaction when it occurred to her that some one was pointing her husband out as 'Drummond the painter—the new R.A.' He had won his blue ribbon, and won it honestly, and nobody in England, nobody in the world, was above him in his own profession. He was as good as a Duke, or even superior, for a Duke (poor wretch!) cannot help himself, whereas a painter achieves his own distinction. Helen let this new softness steal into her soul. She even felt that when she looked at the pictures next time they would have a light in them which she had not yet been able to perceive. And the bank, though it was so much more important, sank altogether into the background, while the two rowed down the river in the summer evening, with a golden cloud of pleasure and glory around them. They had gone to Richmond, where so many happy people go to realise their gladness. And were the pair of lovers new betrothed, who crossed their path now and then without seeing them, more blessed than the elder pair? 'I wonder if they will be as happy ten years hence?' Helen said, smiling at them with that mingling of sweet regret and superiority with which we gaze at the reflection of a happiness we have had in our day. 'Yes,' said the painter, 'if she is as sweet to him as my wife has been to me.' What more could a woman want to make her glad? If Helen had not been very happy in his love, it would have made her heart sick to think of all her failures towards him; but she was very happy; and happiness is indulgent not only to its friends, but even to itself.