Before Christmas Ann Veronica had gone to Ramage again and accepted this offer she had at first declined.

Many little things had contributed to that decision. The chief influence was her awakening sense of the need of money. She had been forced to buy herself that pair of boots and a walking-skirt, and the pearl necklace at the pawnbrokers’ had yielded very disappointingly. And, also, she wanted to borrow that money. It did seem in so many ways exactly what Ramage said it was—the sensible thing to do. There it was—to be borrowed. It would put the whole adventure on a broader and better footing; it seemed, indeed, almost the only possible way in which she might emerge from her rebellion with anything like success. If only for the sake of her argument with her home, she wanted success. And why, after all, should she not borrow money from Ramage?

It was so true what he said; middle-class people WERE ridiculously squeamish about money. Why should they be?

She and Ramage were friends, very good friends. If she was in a position to help him she would help him; only it happened to be the other way round. He was in a position to help her. What was the objection?

She found it impossible to look her own diffidence in the face. So she went to Ramage and came to the point almost at once.

“Can you spare me forty pounds?” she said.

Mr. Ramage controlled his expression and thought very quickly.

“Agreed,” he said, “certainly,” and drew a checkbook toward him.

“It’s best,” he said, “to make it a good round sum.

“I won’t give you a check though—Yes, I will. I’ll give you an uncrossed check, and then you can get it at the bank here, quite close by.... You’d better not have all the money on you; you had better open a small account in the post-office and draw it out a fiver at a time. That won’t involve references, as a bank account would—and all that sort of thing. The money will last longer, and—it won’t bother you.”

He stood up rather close to her and looked into her eyes. He seemed to be trying to understand something very perplexing and elusive. “It’s jolly,” he said, “to feel you have come to me. It’s a sort of guarantee of confidence. Last time—you made me feel snubbed.”

He hesitated, and went off at a tangent. “There’s no end of things I’d like to talk over with you. It’s just upon my lunch-time. Come and have lunch with me.”

Ann Veronica fenced for a moment. “I don’t want to take up your time.”

“We won’t go to any of these City places. They’re just all men, and no one is safe from scandal. But I know a little place where we’ll get a little quiet talk.”

Ann Veronica for some indefinable reason did not want to lunch with him, a reason indeed so indefinable that she dismissed it, and Ramage went through the outer office with her, alert and attentive, to the vivid interest of the three clerks. The three clerks fought for the only window, and saw her whisked into a hansom. Their subsequent conversation is outside the scope of our story.

“Ritter’s!” said Ramage to the driver, “Dean Street.”

It was rare that Ann Veronica used hansoms, and to be in one was itself eventful and exhilarating. She liked the high, easy swing of the thing over its big wheels, the quick clatter-patter of the horse, the passage of the teeming streets. She admitted her pleasure to Ramage.

And Ritter’s, too, was very amusing and foreign and discreet; a little rambling room with a number of small tables, with red electric light shades and flowers. It was an overcast day, albeit not foggy, and the electric light shades glowed warmly, and an Italian waiter with insufficient English took Ramage’s orders, and waited with an appearance of affection. Ann Veronica thought the whole affair rather jolly. Ritter sold better food than most of his compatriots, and cooked it better, and Ramage, with a fine perception of a feminine palate, ordered Vero Capri. It was, Ann Veronica felt, as a sip or so of that remarkable blend warmed her blood, just the sort of thing that her aunt would not approve, to be lunching thus, tete-a-tete with a man; and yet at the same time it was a perfectly innocent as well as agreeable proceeding.

They talked across their meal in an easy and friendly manner about Ann Veronica’s affairs. He was really very bright and clever, with a sort of conversational boldness that was just within the limits of permissible daring. She described the Goopes and the Fabians to him, and gave him a sketch of her landlady; and he talked in the most liberal and entertaining way of a modern young woman’s outlook. He seemed to know a great deal about life. He gave glimpses of possibilities. He roused curiosities. He contrasted wonderfully with the empty showing-off of Teddy. His friendship seemed a thing worth having....

But when she was thinking it over in her room that evening vague and baffling doubts came drifting across this conviction. She doubted how she stood toward him and what the restrained gleam of his face might signify. She felt that perhaps, in her desire to play an adequate part in the conversation, she had talked rather more freely than she ought to have done, and given him a wrong impression of herself.