The life which Helen Drummond lived during this winter would be very hard to describe. Something wrong had happened, she saw, on that rapid visit to town which Robert had made on Academical business in October, leaving her at Southlees. No anxiety about business matters connected with the bank had ever been suggested to her mind. She had long ago accepted, as a matter of course, the fact that wealth was to come from that source, with an ease and regularity very different from the toilsome and slow bread-winning which was done by means of art. She was not surprised by it as Robert was; and enough of the bourgeois breeding was left in her to make her pleased that her husband should see the difference between the possibilities of his profession and of the commerce which she had been wont to hear lauded in her youth. She was almost proud that Trade had done so much for him. Trade came from her side, it was she who had the hereditary connection with it; and the innate idealism of her mind was able to cling to the old-fashioned fanciful conception of beneficent commerce, such as we have all heard of in our educational days. But her pride was not sensitive on this point. What really touched her was the praise or the blame which fell upon him as a painter, and the dread that instantly sprang into her mind was that he had met with something painful to him in this respect—that his opinion had not been received as of weight in the deliberations of the Academy, or his works been spoken of with less respect than they ought to have secured. This was the foolish fancy that took hold of her mind. She questioned him about the Academy meeting till poor Robert—his thoughts occupied about things so very different—grew sick of the subject. Yet he was almost glad of some subject on which to vent a little of his excitement. Yes, they were a set of old fogies, he said, with audacious freedom. They pottered about things they did not understand. They puzzled and hesitated over that Rembrandt, which any one with half an eye could see had been worked at by some inferior hand. They threw cold water upon that loveliest Francia which nobody could see without recognising. They did what they ought not to do, and neglected what was their duty. 'We all do that every day of our lives,' said Helen; 'but what was there that specially vexed you, Robert?' 'Nothing,' he said, looking up at her with eyes full of astonishment; but there was more than astonishment in them. There was pain, dread, anxiety—a wistful, restless look of suffering. He will not tell me: he will keep it to himself and suffer by himself, not to vex me, Helen said in her own thoughts. And though the autumn was lovely, Robert could not be happy at Southlees that year. He had been very happy the two previous summers. The house was situated on the Thames beyond Teddington. It was rustic and old, with various additions built to it; a red-brick house, grown over with all manner of lichens, irregular in form and harmonious with its position, a house which had grown—which had not been artificially made. The family had lived on the lawn, or on the river, in those halcyon days that were past. There was a fringe of trees at every side except that, shutting in the painter's retirement; but on the river side nothing but a few bright flower-beds, and the green velvet lawn, sloping towards the softly flowing water. One long-leaved willow drooped over the stone steps at which the boat was lying. It was a place where a pair of lovers might have spent their honeymoon, or where the weary and sick might have come to get healing. It was not out of character either with the joy or the grief. Nature was so sweet, so silent, so meditative and calm. The river ran softly, brooding over its own low liquid gurgle. The stately swans sailed up and down. The little fishes darted about in the clear water, and myriads of flying atoms, nameless insect existences, fluttered above. Boating parties going down the stream would pause, with a sigh of gentle envy, to look at the group upon the lawn; the table with books and work on it, with sometimes a small easel beside it or big drawing pad supported on a stand; a low chair with Helen's red shawl thrown over it, and Norah, with her red ribbons, nestled on the sunny turf. They sat there, and worked, and talked, or were silent, with an expansion of their hearts towards everything that breathed and moved; or they spent long days on the river, catching the morning lights upon those nooks which are only known to dwellers on the stream; or pursuing water-lilies through all the golden afternoon in the back-waters which these retired flowers love. The river was their life, and carried them along, day after day. Such a scene could not but be sweet to every lover of nature; but it is doubly sweet when the dumb poetic imagination has by its side that eye of art which sees everything. The painter is a better companion even than the poet—just as seeing is better than saying that you see. Robert was not a genius in art; but he had the artist's animated, all-perceiving eye. Nothing escaped him—he saw a hundred beautiful things which would have been imperceptible to ordinary men—a dew-drop on a blade of grass at his feet charmed him as much as a rainbow—his 'Look, Helen!' was more than volumes of descriptive poetry. They were out and about at all times, 'watching the lights,' as he said in his pleasant professional jargon: in the early mornings, when all was silvery softness and clearness, and the birds were trying over their choicest trills before men woke to hear; in the evening when twilight came gently on, insinuating her filmy impenetrable veil between them and the sunset; and even at full noon, when day is languid at the height of perfection, knowing that perfectness is brother to decadence. The painter and his wife lived in the middle of all these changes, and took them in, every one, to the firmament in their hearts.

Why do we stop in this record of trouble to babble about sunset skies and running waters? Is it not natural? The 'sound as of a hidden brook in the leafy month of June' comes in, by right, among all weird, mysterious harmonies of every tragical fate. 'The oaten pipe and pastoral reed' have their share even in the hurly-burly of cities and noisy discord of modern existence. Robert Drummond had his good things as well as his evil things. For these two summers never man had been more happy—and it is but few who can say so much. His wife was happy with him, her old ghosts exorcised, and a new light suffusing her life. It seemed a new life altogether, a life without discontents, full of happiness, and tranquillity, and hope.

But this autumn Robert was not happy at Southlees. He could not stay there peaceably as he had done before. He had to go to town 'on business,' he said, sometimes twice a week. He took no pleasure in his old delights. Though he could not help seeing still, his 'Look, Helen!' was no longer said in a tone of enthusiasm; and when he had uttered the familiar exclamation he would turn away and sigh. Sometimes she found him with his face hidden in his hands, and pressed against the warm greensward. It was as if he were knocking for admission at the gates of the grave, Helen thought, in that fancifulness which comes of fear as much as of hope. When she questioned him he would deny everything, and work with pretended gaiety. Every time he went to town it seemed to her that five years additional of line and cloud had been added to the lines on his forehead. His hair began to get grey; perhaps that was no wonder, for he was forty, a pilgrim already in the sober paths of middle age, but Helen was nearly ten years younger, and this sign of advancing years seemed unnatural to her. Besides, he was a young man in his heart, a man who would be always young; yet he was growing old before his time. But notwithstanding his want of enjoyment in it he was reluctant that his wife should leave Southlees sooner than usual. He would go into town himself, he declared. He would do well enough—what did it matter for a few weeks? 'For the sake of business it is better that I should go—but the winter is long enough if you come in the end of the month. No, Helen, take the good of it as long as you can—this year.'

'What good shall I get of it alone, and how can I let you live for weeks by yourself?' said Helen. 'You may think it is fine to be independent; but you could not get on without Norah and me.'

'No,' he said, with a shudder. 'God knows life would be a poor thing without Norah and you! but when it is a question of three weeks—I'll go and see my friends; I'll live a jovial bachelor life——'

'Did you see the Haldanes,' she asked, 'when you were in town last?'

It was the most innocent, unmeaning question; but it made him grow pale to the very lips. Did he tremble? Helen was so startled that she did not even realise how it was he looked.

'How cold the wind blows,' he said, with a shiver. 'I must have caught cold, I suppose, last night. The Haldanes? No; I had no time.'

'Robert, something worries you,' she said earnestly. 'Tell me what it is. Whatever it is, it will not be so heavy when you have told me. You have always said so—since ever we have been together.'

'And truly, my darling,' he said. He took her hand and held it tenderly, but he did not look at her. 'I cannot tell you of worries that don't exist, can I?' he added, with an exaggerated cheerfulness. 'I have to pay a little attention to business now the other men are out of town. And business bores me. I don't understand it. I am not clever at it. But it is not worth while to call it a worry. By-and-by they will come back, and I shall be free.'

When he said this he really believed it, not being then fully aware of the tormenting power of the destruction which was about to overwhelm him. He thought the other directors would come back from their holidays, and that he himself would be able to plunge back into that abyss of ignorance which was bliss. But Helen did not believe it: not from any true perception of the state of affairs, but because she could not believe it was business at all that troubled him. Was Robert the kind of man to be disturbed about business? He who cared nothing for it but as a means, who liked money's worth, not money, whose mind was diametrically opposite to all the habits and traditions of trade? She would as soon have believed that her cousin Reginald Burton would be disturbed by a criticism or troubled to get a true balance of light and shade. No, it was not that. It was some real trouble which she did not know of, something that struck deeper than business, and was more important than anything that belonged to bank or market. Such were Helen's thoughts,—they are the thoughts that come most natural to a woman,—that he had been betrayed into some wrong-doing or inadvertent vice—that he had been tempted, and somehow gone astray. This, because it was so much more terrible than anything about business, was the bugbear that haunted her. It was to save her pain, as he thought, that poor Robert kept his secret from her. He did as so many men do, thinking it kindness; and thus left her with a host of horrible surmises to fight against, any one of which was (to her) harder than the truth. There is no way in which men, in their ignorance, inflict more harm upon women than this way. Helen watched in her fear and ignorance with a zealous eagerness that never lost a word, and gave exaggerated importance to many an idle incident. She was doubly roused by her fear of the something coming, against which her defences would not stand, and by her absolute uncertainty what this something was. The three weeks her husband was in town by himself were like three years to her. Not that a shade of jealousy or doubt of his love to herself ever crossed her mind. She was too pure-minded, too proud, to be jealous. But something had come on him, some old trouble out of the past—some sudden horrible temptation; something, in short, which he feared to tell her. That money could be the cause of it, never crossed her thoughts.

And when she went home, things were no better; the house looked bare to her—she could not tell why. It was more than a month before she found out that the Botticelli was gone, which was the light of her husband's eyes; and that little Madonna of the Umbrian school, which he delighted to think Raphael must have had some hand in, in his youth. This discovery startled her much; but worse had come before she made sure of that. The absence of the pictures was bewildering, but still more so was the change in her husband's habits. He would get up early, breakfast hurriedly before she had come down, and go out, leaving a message with the servants. Sometimes he went without breakfast. He avoided her, avoided the long evening talks they had loved, and even avoided her eye, lest she should read more in his face than he meant her to see. All this was terrible to Helen. The fears that overwhelmed her were ridiculous, no doubt; but amid the darkness and tragic gloom which surrounded her, what was she to think? Things she had read in books haunted her; fictitious visions which at this touch of personal alarm began to look real. She thought he might have to bribe some one who knew some early secret in his life, or some secret that was not his—something that belonged to his friends. Oh, if he would but tell her! She could bear anything—she could forgive the past, whatever it might be. She had no bitterness in her feelings towards her husband. She used to sit for hours together in his deserted studio, imagining scenes in which she found out, or he was driven to confide to her, this mystery; scenes of anguish, yet consolation. The studio became her favourite haunt. Was it possible that she had once entered it with languid interest, and been sensible of nothing but disappointment when she saw him working with his heart in his work? She would go all round it now, making her little comment upon every picture. She would have given everything she had in the world to see him back there, painting those pictures with which she had been so dissatisfied—the Francesca, which still stood on its easel unfinished; the sketches of herself which she had once been so impatient of. The Francesca still stood there behind backs; but most of the others had been cleared away, and stood in little stacks against the walls. The place was so orderly that it went to her heart to see it; nothing had been done, nothing disturbed, for weeks, perhaps months; the housemaid was free to go and come as if it had been a common parlour. All this was terribly sad to the painter's wife. The spring was coming on before she found the two sketches which afterwards she held so dearly. They bewildered her still more, and filled her with a thousand fears. One represented a pilgrim on a hilly road, in the twilight of a spring evening. Everything was soft in this picture, clear sky and twinkling stars above; a quiet rural path over the grass; but just in front of the pilgrim, and revealing his uplifted hands and horror-stricken countenance, the opening of a glowing horrible cavern—the mouth of Hell. The other was more mysterious still. It was a face full of anguish and love, with two clasped hands, looking up from the depths of a cave or well, to one blue spot of sky, one star that shone far above. Helen did not know what these sketches meant; but they made her shiver with wonder and apprehension. They were all that he had done this year.

And then something else, of a different kind, came in to bewilder her. Robert, who avoided her, who of evenings no longer talked over his affairs with her, and who probably had forgotten all her wants, let the quarter-day pass without supplying her, as he was in the habit of doing. So great a host of fears and doubts were between the two, that Helen did not remind him of his negligence. It pained her, but in a degree so different. What did that matter? But time went on, and it began to matter. She took her own little dividends, and kept silence; making what use of them she could to fill up the larger wants. She was as timid of speaking to him on this subject as if she had been a young girl. He had never obliged her to do so. She had been the general treasurer of the household in the old days; and even in recent times, he, who was so proud of his wife, had taken care to keep her always supplied with what she wanted. She never had needed to go to him to ask money, and she did not know how to begin. Thus they both went their different way; suffering, perhaps, about equally. His time seemed to himself to be spent in a feverish round of interviews with people who could supply money, or wildly signing his name to papers which he scarcely understood—to bills which he could never dream of paying; they would be paid somehow when the time came, or they could be renewed, or something would be done, he was told. He had carried everything he could make money by away before this time; the title-deeds of his house, his pictures, even, and—this was done with a very heavy heart—his policies of life insurance. Everything was gone. Events went faster as the crisis approached, and Drummond became conscious of little more than his wife's pale face wondering at him, with questioning eyes more pathetic than words, and Golden's face encouraging, or trying to encourage. Between the two was a wild abyss of work, of despair, of tiding over. Every escape more hairbreadth than the last! The wild whirl growing wilder! the awful end, ruin and fell destruction, coming nearer and more near!

It happened at length that Helen one day, in desperation, broke the silence. She came before him when he was on his way out, and asked him to wait, in a hollow voice.

'I don't want to trouble you,' she said, 'since you will not trust me, Robert. I have been trying not to harass you more; but—I have no money left—I am getting into debt—the servants want their wages. Robert—I thought you had forgotten—perhaps——'

He stood and looked at her for a moment, with his hat in his hand, ready to go out. How pale he was! How the lines had contracted in his face! He looked at her, trying to be calm. And then, as he stood, suddenly burst, without warning, into momentary terrible tears, of a passion she could not understand.

'Robert! oh, what is the matter?' she cried, throwing her arms round him. He put his head down on her shoulder, and held her fast, and regained control over himself, holding her to him as if she had been something healing. In her great wonder and pity she raised his head with her hands, and gazed wistfully into his face through her tears. 'Is it money?' she cried, with a great load taken off her heart. 'Oh, Robert, tell me! Is that all?'

'All!' he said: 'my God!' and then kissed her passionately, and put her away from him. 'To-morrow,' he said hoarsely, 'perhaps—I hope—I will tell you everything to-morrow.' He did not venture to look at her again. He went out straight, without turning to the right or left. 'The end must be near now,' he said to himself audibly, as he went out like a blind man. To-morrow! Would to-morrow ever come? 'The end must be near now.'

The end was nearer than he thought. When he reached the bank he found everything in disorder. Mr Golden was not there, nor any one who could give information to the panic-stricken inquirers who were pouring in. It was said the manager had absconded. Rivers's was at an end. For the first ten minutes after Drummond heard the news that awaited him, it was almost a relief to know that the worst had come.