Miss Vernon's first flush of indignation soon yielded to amusement and sympathy. She laughed and she cried.

"That shall always be remembered to her credit," she said. "I did not think she had any feeling for the bank. Let us always remember it to her credit. She was ready to give all she had, and who can do any more?"

Mr. Rule was somewhat intoxicated with all these confidences, and with the way in which Miss Vernon said "we"-his head was a little turned by it. She was a woman who understood what it was to have a faithful servant. No doubt, after the sacrifice she was making, she would, in future, have more to do with the business, and Rule could scarcely keep his imagination from straying into a consideration of changes that might be. Instead of merely being head clerk, it was quite possible that a manager might be required; but he pulled himself up, and would not allow his thoughts to carry him so far.

Next day everything happened as had been foreseen. There was a run on the bank, and a moment of great excitement; but when Miss Vernon was seen at the door of the inner office smiling, with her smile of triumphant energy and capability, upon the crowd, and when the Bank of England porters appeared bringing in those heavy boxes, the run and all the excitement subsided as by magic. The bank was saved; but not by John Vernon. The outside world never was aware how the matter was settled. But John did not come back. He would have met

nothing but averted looks and biting words, for there could be no doubt that he had abandoned his post, and left Vernon's to its fate. Messrs. Pounce and Seeling had a good deal to do about the matter, and new deeds were drawn, and old deeds cancelled to a serious extent; but the bank ever after remained in the hands of Miss Vernon, who, it turned out, had more than her grandfather's steady power of holding on, and was, indeed, the heir of her great-grandfather's genius for business. The bank throve in her hands as it had done in his days, and everything it touched prospered. She deserved it, to be sure, but everybody who deserves does not get this fine reward. There is something beyond, which we call good luck or good fortune, or the favour of Heaven; but as Heaven does not favour all, or even most of the best people in this way, we have to fall back upon a less pious phraseology. Is it, perhaps, genius for business, as distinct as genius in poetry, which makes everything succeed? But this is more than any man can be expected to understand. Rule attained all the heights of those hopes which had vaguely dawned on him out of the mist on that July evening when his good angel suggested to him Catherine Vernon's name. He was raised to the dignity of manager as he had foreseen. His salary was doubled, his sons were provided for, and he grew old in such comfort and general esteem as he had never dreamed of. "This is the man that saved the bank," Miss Vernon would say. And though, of course, he deprecated such high praise, and declared that he

was nothing but the humblest instrument, yet there can be no doubt that he came to believe it in the end, as his wife and all his children did from the beginning.

Miss Vernon's was a reign of great benevolence, of great liberality, but of great firmness too. As she got older she became almost the most important person in Redborough. The people spoke of her, as they sometimes do of a very popular man, by her Christian name. Catherine Vernon did this and that, they said. Catherine Vernon was the first thought when anything was wanted either by the poor who needed help, or the philanthropist who wanted to give it. The Vernon Almshouses, which had been established a hundred years before, but had fallen into great decay till she took them in hand, were always known as Catherine Vernon's Almshouses. Her name was put to everything. Catherine Street, Catherine Square, Catherine places without number. The people who built little houses on the outskirts exhausted their invention in varying the uses of it. Catherine Villas, Catherine Cottage, Catherine Mansion, were on all sides; and when it occurred to the High Church rector to dedicate the new church to St. Catherine of Alexandria, the common people, with one accord, transferred the invocation to their living patroness. She was, at least, a saint more easily within reach, and more certain to lend a favourable ear.

VOL. I.

D

CHAPTER III.

THE VERNONRY.

THESE things all happened a great number of years before the beginning of this history. Catherine Vernon had become an old woman—at least she was sixty-five; you can call that an old woman if you please. Sometimes it may mean the extreme of age, decrepitude and exhaustion: but sometimes also it means a softer and more composed middle age-a lovely autumnal season in which all the faculties retain their force without any of their harshness, and toleration and Christian charity replace all sharpness of criticism or sternness of opinion. Sometimes this beautiful age will fall to the lot of those who have experienced a large share of the miseries of life and learnt its bitterest lessons, but often-and this seems most natural—it is the peaceful souls who have suffered little to whom this crown of continuance is given. Catherine Vernon belonged to the last class. If her youth had not been altogether happy, there had been fewer

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sorrows and still fewer struggles in her life. She had gone along peacefully, her own mistress, nobody making her afraid, no one to be anxious about, no one dear enough to rend her heart. Most people who have gone through the natural experiences of life are of opinion with the Laureate, that it is

"Better to have loved and lost

Than never to have loved at all."

But then we do not allow the other people to speak who know the other side of the question. If love brings great happiness it brings many woes. Catherine Vernon was like Queen Elizabeth, a dry tree-while other women had sons and daughters. But when the hearts of the mothers were torn with anxiety, she went free. She had the good of other people's children in a wonderful degree, but it was impossible she could have the harm of them—for those whom she took to were the good children, as was natural, the elect of this world. Her life had been full of exertion and occupation since that night when Rule called upon her at the Grange and set all the world of her being in movement. What flagging and loneliness might have been hers-what weariness and longing had ended at that time. Since then how much she had found to do! The work of a successful man of business increased, yet softened by all the countless nothings that make business for a woman, had filled her days. She was an old maid, to be sure, but an old maid who never was alone. Her house had been gay with young