would be a miserable to-morrow if Mr. Vernon did not bring help. Not only the bank that would go, but so many men with families that would be thrown upon the world. God help them! and that money which stood to his own credit, that balance of which two or three days before he had been so proud, to see it standing in his name on those well-kept beautiful books! All this hanging upon the chance that Mr. Vernon might have gone to town to get money! No, he could not go in, and sit down at the peaceful table where Mrs. Rule perhaps would be hemming a cambric ruffle for his shirt, or plaiting it delicately with her own fingers, a thing no laundress could do to please her-and the children learning their lessons. He felt sure that he could not rest; he would only make her anxious, and why should she be made anxious as long as he could keep it from her. It is difficult to say how it was that the first suggestion of a new possibility took hold of Mr. Rule's mind. He turned away when he was within a stone's throw of his own house, saying to himself that he could not go in, that it was impossible, and walked in the opposite direction, where he had not gone far until he came in sight of the bank, that centre of so many years' hard work, that pride of Redborough, and of everybody connected with it. Vernon's! To think that Ruin should be possible, that so dark a shadow could hover over that sacred place. What would old Mr. Vernon have said, he who received it from his father and handed it down always flourishing, always prosperous to-not to his son. If his

son had lived, the eldest one, not he who had gone wrong, but the eldest, who was John too, called after his grandfather, he who was the father of It was at this point that Mr. Rule came to a dead stop, and then after a pause wheeled right round, and without saying another word to himself walked straight up Wilton Street, which as everybody knows was quite out of his way.

The father of

was true!

Yes, indeed, indeed, and that

The recollection which called forth this fervour of affirmation was a pleasant one. All the youth of Redborough at one time had been in love with Catherine Vernon. The bank clerks to a man adored her. When she used to come and go with her grandfather—and she did so constantly, bringing him down in the morning in her pony carriage, calling for him in the afternoon, running in in the middle of the day to see that the old gentleman had taken his biscuits and his wine-she walked over their hearts as she crossed the outer office, but so lightly, so smoothly, that the hearts were only thrilled, not crushed by her footfall, so firm and swift, but so airy as it was. She knew them all in the office, and would give her hand to the head clerk, and send a friendly glance all round, unaware of the harm she was doing to the hapless young men. But after all it was not harm. It was a generous love they felt for her, like the love of chivalry for a lady unapproachable. That young princess was not for them. None of them grew mad with foolish hopes, but they thought of her as

they never thought of any one else.

Mr. Rule was

at the end of Wilton Street, just where it meanders out towards the edge of the common, before he took breath, and began to ask himself what Miss Vernon could do for him. Was not one lady enough to appeal to? She whom he had already seen had nothing for him—no help, no advice, not a suggestion even. And yet she was more closely connected with the bank than Catherine Vernon, who had disappeared from all visible connection with it at her grandfather's death, notwithstanding that a great deal of her money was in it, and that she had in fact a right to be consulted as a partner. So it had been settled, it was said, by the old man in his will. But she had never, so far as anybody knew, taken up this privilege. She had never come to the bank, never given a sign of having any active interest in it. What then could she be expected to do? What could she do even if she wished to help them? Mr. Rule was aware that there was no very cordial feeling between her cousin's house and hers. They were friends, perfectly good friends, but they were not cordial. While he turned over these thoughts in his mind, however, he walked on steadily and quickly without the least hesitation in his step. There was even a sort of exhilarated excitement in him, a sentiment quite different from that with which he had been disconsolately straying about, and painfully turning over possibilities, or rather impossibilities. Perhaps it was a half romantic pleasure in the idea of speaking to Miss Vernon

again, but really there was something besides that, a sense of satisfaction in finding a new and capable mind to consult with at least, if no more.

Miss Vernon lived in the house which her grandfather had lived in and his father before him. To reach it you had to make your way through the delta of little streets into which Wilton Street ran, and across a corner of the common. The Grange was an old house with dark red gables appearing out of the midst of a clump of trees. In winter you saw the whole mass of it, chiefly old bricks, though these were thrown up and made picturesque by the fact that the oldest part was in grey stone. Broad large Elizabethan windows glimmered, lighted up, through the thick foliage this evening; for by this time the summer night was beginning to get dark, and a good deal too late for a visit. Mr. Rule thought as he knocked at the door that it was very likely she would not see him. But this was not the case. When he sent in his name as the head clerk at the bank he was received immediately, and shown into the room with the Elizabethan windows where she was sitting. By this time she was of mature years, and naturally much changed from the young girl he had known. He had been one of the young clerks in the outer office, whom she would recognise with a friendly smiling look, and a nod of her head all round. Now, however, Miss Vernon came up to him, and held out her hand to Mr. Rule. "You need not have sent me word who you were," she said with a smile. "I knew quite well who you were.

I never forget faces nor names. You have not come to me at this time of night on a mere visit of civility. Don't be afraid to tell me at once whatever there may be to say."

"From the way you speak, ma'am," said Mr. Rule, "I conclude that you have heard some of the wicked reports that are flying about?"

"That is exactly what I want to know," she said, with all her old vivacity. "Are they wicked reports?"

"A report is always wicked," said Mr. Rule sententiously," which is likely to bring about the evil it imagines."

"Ah!" she cried.

"Then it is no further gone than that; and yet it is as far gone as that?" she added, looking anxiously in his face.

"Miss Vernon," said Rule solemnly, "I expect a run upon the bank to-morrow."

Good God!" she said, clasping her hands; which was not a profane exclamation, but the kind of halfconscious appeal which nature makes instinctively. "But you have made all preparations? Surely you can meet that."

He shook his head solemnly. The credit of the bank was so much to him that when thus face to face with the event he dreaded, poor Rule could not articulate anything, and the water stood in his eyes.

Good God!" she said again: but her face was not awe-stricken; it was that of a soldier springing instantly to the alert, rallying all his resources at the