CHAPTER VIII.

It was in the summer of the third year of his bank directorship that Robert made his first personal entry into business. The occasion of it was this. One of his early friends who had been at school with him, and with whom he had kept up a precarious and often interrupted intercourse, came to him one morning with an anxious face. He was in business himself, with a little office in one of the dreary lanes in the City, a single clerk, and very limited occupation. He had married young, and had a large family; and Drummond was already aware that while the lines had fallen to himself in pleasant places, poor Markham's lot had been hard and full of thorns. He was now at the very crisis of his troubles. He gave a glance round the painter's handsome studio when he entered, at the pictures on the walls and the costly things about, and the air of evident luxury that pervaded everything, and sighed. His own surroundings were poor and scant enough. And yet he could and did remember that Drummond had started in life a poorer man, with less hopeful prospects than himself. Such a contrast is not lively or inspiriting, and it requires a generous mind to take it kindly, and refrain from a passing grudge at the old companion who has done so much better for himself. Poor Markham had come with a petition, on which, he said, all his future life depended. He had made a speculation which would pay him largely could he only hold out for three months; but without help from his friends this was impossible. It was a large sum that he wanted—more than any private friend would be likely to give him—something between two and three thousand pounds. The welfare of his family, his very existence in a business point of view, and the hopes of his children depended on his ability to tide those three months over. For old friendship's sake, for all the associations of their youth, would Drummond help him? Robert listened with his kindly heart full of sympathy. Long before the story was done, he began to calculate what he had at his disposal, how much he could give; but the sum startled him. He could not produce at a moment's notice a sum of nearly three thousand pounds. With a troubled heart he shook his head and said it was impossible—he had not so much money at his disposal—he could not do it. Then Markham eagerly explained. It was not from his friend's own purse that he had hoped for it; but the bank! On Drummond's introduction, the bank would do it. Rivers's could save him. No such request had ever been made to Robert before. Very few of his friends were business men. Their needs were private needs, and not the spasmodic wants of trade. There were people who had borrowed from himself personally, and some who had been helped by him in other ways; but this was the first appeal made to his influence in the bank. He was startled by it in his innocence of business habits. It seemed to him as if it was like asking a private favour, turning over his own petitioner to a third person. 'He is my friend, give him three thousand pounds.' It seemed to him the strangest way of being serviceable to his neighbour. But poor Markham had all the eloquence of a partially ruined man. He made it clear to Robert, not only that such things were, but they happened continually, and were in the most ordinary course of nature. The end was that they went out together, and had an interview with Mr Golden at the bank. And then Robert found that his acquaintance had not exaggerated, that the matter was even easier than he had represented it, and that there would not be the slightest difficulty in 'accommodating' the man who was Mr Drummond's friend. Markham and he parted at the door of the bank, the one with tears of gratitude in his eyes, blessing God and Robert for saving him, and the other with a bewildered sense of power which he had not realised. He had not known before how much he could do, nor what privileges his directorship put in his hands, and he was confused by the discovery. It bewildered him, as a man might be bewildered to know that he could bestow fertility or barrenness on his fields by a glance: how strange the power was, how sweet in this instance, how—dangerous! Yes, that was the word. He felt afraid of himself as he went home. If such plaints came to him often, it would be so difficult to resist them; and then a kind of horrible dread came over his mind. Would the money ever be paid back that he had got so easily? The thought made his hand shake when he went back to the peaceable work at which no such bewildering risks were run.

When the three months were over, Markham's money was not paid; on the contrary he had fled to Australia, he and all his children, leaving nothing but some wretched old furniture behind him. Poor Drummond was nearly beside himself. He rushed to the bank when he heard the news, and protested that the loss must be his. It was his fault, and of course he must repay it. Mr Golden smiled at him with a genuine admiration of his simplicity. He told him in a fatherly way of a speculation which had been very successful, which had cleared nearly the same sum of money. 'Putting the one to the other, we are none the worse,' he said; 'every commercial concern must make some bad debts.'

Drummond went away with more bewilderment still, with many new thoughts buzzing in his head, thoughts which troubled the composure of his life. He himself being but an artist, and not a merchant, was afraid of money. He touched it warily, trafficked in it with a certain awe. He knew how much labour it required to earn it, and how hard it was to be without it. He could not understand the levity with which Burton and Golden treated that potent thing. To them it was like common merchandise, sugar or salt. A heap of it, as much as would make a poor man's fortune, melted away in a moment, and the bland manager thought nothing of it—it was a bad debt. All this was so strange to him, that he did not know what to make of it. He himself was guilty, he felt, of having thrown away so much which belonged to other people. And every other director on the board had the same power which he had with a painful pleasure discovered himself to have. And they knew better about it than he did; and what check could there be upon them? If every other man among them had been art and part in losing three thousand pounds, what could Robert say? It would not be for him to throw the first stone. He felt like Christian in the story, when, upon the calm hill-side, he suddenly saw a door through which there appeared, open and visible, the mouth of hell. It occurred to Robert to go down to the next meeting of directors, to tell them his own story, and beg that the money lost through his means should be subtracted from his private share of the capital, and to beg all of them to do likewise. He quite made up his mind to this in the first tumult of his thoughts. But before the time for that meeting came, a sense of painful ridicule, that bugbear of the Englishman, had daunted him. They would call him a fool, they would think he was 'canting,' or taking an opportunity to display his own disinterestedness. And accordingly he accepted the misfortune, and was content to permit it to be called a bad debt. But the enlightenment which it threw on the business altogether gave Robert a shock which he did not easily recover. It seemed to show him a possible chasm opening at his very feet, and not at his only, but at the feet of all the ignorant simple people, the poor painters, the poor women, the sick men like Haldane, who had placed their little seed-corn of money in Rivers's bank.

These thoughts were hot in his heart at the time of this misadventure with Markham; and then there came a lull, and he partially forgot them. When no harm is visible, when the tranquil ordinary course of affairs seems to close over a wrong or a blunder, it is so difficult to imagine that everything will not go well. He said as little as possible to Helen on the subject, and she did not take fright fortunately, having many things to occupy her now-a-days. There was her own enlarged and fuller household; the duties of society; her charities, for she was very good to the poor people near Southlees, their house in the country, and kept watch over them even from St Mary's Road. And she had now many friends who came and occupied her time, and carried her off from her husband; so that he had not that resource of talking about it which so often lightens our anxiety, and so often deepens it. In this instance, perhaps, it was as well that he could not awaken her fears to increase and stimulate his own.

And thus everything fell into its usual quietness. Life was so pleasant for them. They had so much real happiness to cushion the angles of the world, and make them believe that all would always be well. Those who have been experienced in pain are apt to tremble and doubt the continuance of happiness when they attain it; but to those who have had no real sorrows it seems eternal. Why should it ever come to an end? This the Drummonds felt with an instinctive confidence. It was easier to believe in any miracle of good than in the least prognostic of evil. The sun was shining upon them; summer was sweet and winter pleasant. They had love, they had ease, they had wealth, as much as they desired, and they believed in it. The passing cloud rolled away from Robert's mind. He reflected that if there was danger there, there was danger in everything; every day, he said to himself, every man may be in some deadly peril without knowing it. We pass beneath the arch that falls next moment; we touch against some one's shoulder unaware, whose touch of infection might be death; we walk over the mined earth, and breathe air which might breed a pestilence, and yet nothing happens to us. Human nature is against everything violent. Somehow she holds a balance, which no one breaks down, though it is possible to be broken down at any moment. The directors might ruin the bank in a week, but they would not, any more than the elements, which are ever ready for mischief, would clash together and produce an earthquake. Such things might be: but never—or so seldom as to be next to never—are.

In the early autumn of that year, however, another shock came upon the ignorant painter. His wife and Norah were at Southlees, where he himself had been. Business had brought him up against his will, business of the gentler kind, concerning art and the Academy, not the bank. He was alone at St Mary's Road, chafing a little over his solitude, and longing for home and the pleasant fields. London, the London he knew and cared for, had gone out of town. August was blazing upon the parks and streets; the grass was the colour of mud, and the trees like untanned leather. The great people were all away in their great houses, and among his own profession those who could afford it had started for Switzerland or some other holiday region, and those who could not had gone for their annual whiff of sea-air. Robert was seated by himself at breakfast, mournfully considering how another day had to be got over, before he could go home, when a hansom dashed up to the door, and Mr Golden, bland and clean as ever, but yet with a certain agitation in his face, came in. He explained eagerly that he had come to Drummond only because the other directors were out of town. 'The fact is,' he said, 'I want you to come with me, not to give you much trouble or detain you long, but to stand by me, if you will, in a crisis. We have had some losses. Those people in Calcutta who chose to stop payment, like fools, and the Sullivans' house at Liverpool.—It is only temporary.—But the Bank of England has made itself disagreeable about an advance, and I want you to come with me and see the governor.'

'An advance! Is Rivers's in difficulties? is there anything wrong? You take away my breath.'

'There is no occasion for taking away your breath,' said Mr Golden; 'it is only for the moment. But it is an awkward time of the year, for everybody is out of town. I should not have troubled you, knowing you were not a business man, but of course the presence of a director gives authority. Don't be alarmed, I beg. I will tell you all about it as we drive along.'

But what Mr Golden told was very inarticulate to Robert, what with the wild confusion produced in his own mind, and the noise and dust of the sultry streets. It was the most temporary difficulty; it was not worth speaking of; it was a simple misunderstanding on the part of the authorities of the Bank of England. 'Why we are worth twenty times the money, and everybody knows it,' said Mr Golden. His words, instead of making Robert confident, made him sick. His sin in that matter of Markham came darkly before him; and, worse even than that, the manager's words recalled Markham's to him. In his case, too, it was to have been merely a temporary difficulty. Drummond's imaginative mind rushed at once to the final catastrophe. He saw ruin staring him in the face—and not only him.

The interview with the authorities of the Bank of England did not make things much clearer to the amateur. They talked of previous advances; of their regret that the sacred name of 'Rivers's' should be falling into mist and darkness; of their desire to have better securities, and a guarantee which would be more satisfactory: to all of which Robert listened with consternation in his soul. But at last the object was attained. Mr Golden wiped the moisture from his forehead as they left the place. 'That has been a tough battle,' he said, 'but thank Heaven! it is done, and we are tided over. I knew they would not be such fools as to refuse.'

'But, good God!' said Robert, 'what have you been doing? What is the meaning of it? Why do you require to go hat in hand to any governor? Is Rivers's losing its position? What has happened? Why don't you call the shareholders together and tell them if anything is wrong?'

'My dear Mr Drummond!' said Mr Golden. He could scarcely do more than smile and say the words.

'Don't smile at me,' said Drummond in the ardour of his heart. 'Do you consider that you have the very lives of hundreds of people in your hands? Call them together, and let them know what remains, for God's sake! I will make good what was lost through me.'

'You are mad,' said Golden, when he saw that his gentle sneer had failed; 'such a step would be ruin. Call together the shareholders! Why, the shareholders—Mr Drummond, for heaven's sake, let people manage it who know what they are about.'

'For heaven's sake! for hell's sake, you mean,' said Robert in his despair. And the words reverberated in his ears, rang out of all the echoes, sounded through the very streets, 'It would be ruin!' Ruin! that was the word. It deafened him, muttering and ringing in his ears.

And yet even after this outburst he was calmed down. Mr Golden explained it to him. It was business; it was the common course of affairs, and only his own entire inexperience made it so terrible to him. To the others it was not in the least terrible, and yet he had no right to conclude that his colleagues were indifferent either to their own danger, or to the danger of the shareholders of whom he thought so much. 'The shareholders of course know the risks of business as well as we do,' Mr Golden said. 'We must act for the best, both for them and for ourselves.' And the painter was silenced if not convinced. This was in the autumn, and during the entire winter which followed the bank went on like a ship in a troubled sea. After a while such a crisis as the one which had so infinitely alarmed him became the commonest of incidents even to Drummond. Now that his eyes had been once enlightened, it was vain to attempt any further concealment. One desperate struggle he did indeed make, when in the very midst of all this anxiety a larger dividend than usual was declared. The innocent man fought wildly against this practical lie, but his resistance was treated as utter folly by the business board, who were, as they said, 'fighting the ship.' 'Do you want to create a panic and a run upon us?' they asked him. He had to be silent, overpowered by the judgment of men who knew better than himself. And then something of the excitement involved in that process of 'fighting the ship' stole into his veins. Somehow by degrees, nobody had been quite aware how, the old partners of Rivers's had gone out of the concern. It was true there had been but three or four to start with; now there was but one left—Lord Rivers, the head of the house, who never took any share in the business, and was as ignorant as the smallest shareholder. The new directors, the fighting directors, were men of a very different class. As the winter went on the ship laboured more and more. Sometimes it seemed to go down altogether, and then rose again with a buoyancy which almost seemed to justify hope. 'Tout peut se rétablir,' they said to each other. 'After all we shall tide it over.' And even Robert began to feel that thrill of delight and relief when a danger was 'tided over,' that admiration, not of his own cleverness, but of the cleverness of others, which Golden had once described. Golden came out now in his true colours; his resources were infinite, his pluck extraordinary. But he enjoyed the struggle in the midst of his excitement and exertion, and Drummond did not enjoy it, which made an immense difference between them.

Things became worse and worse as spring came on. By that time, so far as Drummond was concerned, all hope was over. He felt himself sucked into the terrible whirlpool whence nothing but destruction could come. With a heart unmanned by anxiety, and a hand shaking with suppressed excitement, how could he go into his peaceable studio and work at that calmest work, of art? That phase of his existence seemed to have been over for years. When he went into the room he loved it looked to him like some place he had known in his youth—it was fifty years off or more, though the colour was scarcely dry on the picture which stood idly on the easel. When he was called to Academy meetings, to consultations over an old master, or a new rule, a kind of dull amazement filled his soul. Did people still care for such things—was it still possible that beauty and pleasantness remained in life? There were people in these days who felt even that the painter had fallen into bad ways. They saw his eyes bloodshot and his hand trembling. He was never seen with his wife now when she drove her ponies through the park—even in society Helen went sometimes out alone. And they had been so united, so happy a pair. 'Drummond will have nothing ready in April,' the painters said to each other—'even his diploma picture has never been finished—prosperity has not agreed withhim.' When he was visible at all, his vacant air, his tremulous look, the deep lines under his eyes, frightened all his friends. Dr Maurice had spoken to him very seriously, begging that he would be candid and tell his ailments. 'You cannot go on like this,' he said. 'You are killing yourself, Drummond.' 'How much can a man go through without being killed, I wonder?' poor Robert asked, with an unsteady smile, and even his friend stopped short in dismay and perplexity. Was it dissipation? Was it some concealed misery? Could his wife have anything to do with it? These suggestions flitted vaguely through the doctor's mind without bringing any certainty with them. Once he seemed to be getting a clue to the mystery, when Robert rushed in upon him one day, and with a show of levity suggested that Haldane's money should be taken out of the bank. 'I know a better investment, and he should have the very best that is going,' said Drummond. Dr Maurice was somewhat startled, for he had money in Rivers's too.

'Where is there a better investment?' he asked.

'In the Three per Cents.,' said Robert, with a hoarse laugh.

Was he mad? Was he——drunk? The doctor took a day to consider it, to think whether there could be anything in it. But he looked at the dividend papers, showing that Rivers's that year had paid ten per cent. And he called upon Dr Bradcliffe, and asked him to go with him privately,accidentally, one of these days, to see a friend whose brain was going, he feared. The two physicians shook their heads, and said to each other mournfully how common that was becoming. But Fate moved faster than Dr Maurice, and the accidental call was never made.

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 thebourgeoisbreeding 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 somerealtrouble 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.

It was a relief for ten minutes, as every catastrophe is; the terrible suspense is cut short—the worst at least is known. But after those ten minutes are over, when the reality suddenly seizes upon the sufferer—when all the vague speechless terrors which he had pushed off from him, with the hope that they might never come, arrive in a flood, and place themselves in one frightful circle round him, like furies, only not merciful enough to have a Medusa among them to freeze him into stone; when every shadowy, gloomy prevision of evil which ever flashed across his mind, to be put away with a shudder, returns with the right of fact, to remain; when not only that thing has happened which has been his dread by day and the horror of his dreams, but a host of other things, circumstances which penetrate to every detail of his life, and affect every creature and every thing he loves, have followed in its train—when all this rushes upon a man after the first tranquillising stupor of despair, who or what is there that can console him? Poor Drummond was helpless in the midst of this great crash of ruin; he was so helpless that the thunder-stricken shareholders and excited clerks who had fallen upon him at first as the only authority to be found, let him slip from among them, hopeless of any help from him. They had driven him wild with questions and appeals—him, a poor fellow who could explain nothing, who had never been of much use except to denude himself of everything he possessed, and pledge his humble name, and be swept into ruin; but they soon saw the uselessness of the appeal. As soon as he could disengage himself he stole away, drawing his hat over his eyes, feeling as if he were a criminal, with the sensation as of a hot fire burning in his heart, and buzzing and crackling in his ears. Was he a criminal? was it his doing? He was stunned by this terrible calamity; and yet, now that it had come, he felt that he had known it was coming, and everything about it, all his life. His whole existence had tended to this point since he was a boy; he knew it, he felt it, he even seemed to remember premonitions of it, which had come to him in his dreams from his earliest days. He went out into the streets in that dumb quiescent state which is so often the first consequence of a great calamity. He offered no remonstrance against his fate. He did not even say to himself that it was hard. He said nothing to himself, indeed, except to croon over, like a chorus, one endless refrain, 'I knew this was how it would be!'

He wandered along, not knowing where he went, till he came to the river, and paused there, looking over the bridge. He did not even know what made him pause, until all at once the fancy jumped into his brain that it would be best to stop there, and cut in one moment the knotted, tangled thread which it was certain no effort of his could ever unravel. He stopped, and the suggestion flashed across him (whether out of his own mind, whether thrown at him by some mocking demon, who could tell?), and then shook his head sadly. No; it was broad day, and there would be a commotion, and he would be rescued—or if not, he, at least his body, would be rescued and carried to Helen, giving her a last association with him which it was insupportable to think of. No, no, he said to himself with a shudder, not now. Just then a hand was laid upon his shoulder; he turned round with the start of a man who feels that nothing is impossible, that everything that is terrible has become likely. Had it been a policeman to arrest him for having murdered somebody he would scarcely have been surprised. But it was not a policeman: it was Mr Burton, fresh and clean and nicely dressed, newly come up from the country, in his light summer clothes, the image of prosperity, and comfort, and cleanliness, and self-satisfaction. A certain golden atmosphere surrounded the man of wealth, like the background on which early painters set a saint; but there was nothing saintly about that apparition. Poor Drummond fell back more than he would have done had it been an arrest for murder. He gave an involuntary glance at himself, feeling in contrast with Mr Burton, as if he must look to the external eye the beggar he was, as if he must be dirty, tattered, miserable, with holes in his shoes and rags at his elbows. Perhaps his woebegone, excited face startled the smooth Philistine at his side as much as if those outward signs of wretchedness had been there.

'Good God, what have you been doing with yourself?' he cried.

'Nothing,' said Drummond vaguely, and then by degrees his senses returned to him. 'If you had been in town yesterday you might have helped us; but it does not matter. Shenken in Liverpool stopped payment yesterday,' he went on, repeating drearily the dreary legend which he had heard at the bank. 'And Rivers's—has stopped payment too.'

'Good God!' said Mr Burton again. It was a shock to him, as every event is when it comes. But he was not surprised. As for Robert, it did not occur to him to consider whether the other was surprised or not, or to be curious how it affected him. He turned his head away and looked at the river again. What attraction there remained for him in this world seemed to lie there.

'Drummond,' said the merchant, looking at him with a certain alarm, 'are you sure you know what you are saying? My God! Rivers's stopped payment! if you had said there had been an earthquake in London it would scarcely be as bad as that.'

Robert did not make any reply. He nodded his head without looking round. What interested him was something black which kept appearing and disappearing in the middle of the turbid muddy stream. It was like a man's head, he thought, and almost felt that he might have taken the plunge without knowing it, and that it might be himself.

'I have felt this was coming,' said Burton. 'I warned Golden you were going on in the wildest way. What could be expected when you fellows who know nothing about money would interfere? Good heavens! to think what a business that was; and all ruined in three years! Drummond! are you mad? Can't you turn round and speak to me? I am one of the shareholders, and I have a right to be answered how it was.'

'Shall you lose much?' said Drummond dreamily, and he turned round without meaning anything and looked in his companion's face. His action was simply fantastical, one of those motiveless movements which the sick soul so often makes; but it was quite unexpected by the other, who fell a step back, and grew red all over, and faltered in his reply.

'Much? I—I—don't know—what you call much. Good heavens, Drummond! are you mad? have you been drinking? Where is Golden?—he at least must know what he is about!'

'Yes,' said the painter fiercely, 'Golden knows what he is about—he has gone off, out of reach of questions—and you—oh—hound!' He gave a sudden cry and made a step forward. A sudden light seemed to burst upon him. He gazed with his dilated bloodshot eyes at the flushed countenance which could not face him. The attitude of the two men was such that the bystanders took note of it; two or three lingered and looked round holding themselves in readiness to interfere. The slight figure of the painter, his ghastly pale face and trembling hand, made him no antagonist for the burly well-to-do merchant; but English sentiment is always on the side of the portly and respectable, and Mr Burton had an unmistakable air of fright upon his face. 'Now, Drummond!—now, Drummond!' he said, with a certain pleading tone. The painter stood still, feeling as if a horrible illumination had suddenly flashed upon the man before him, and the history of their intercourse. He did in that moment of his despair what he could not have done with his ordinary intelligence. He made a rapid summary of the whole and saw how it was. Had he been happy, he would have been too friendly, too charitable, too kind in his thoughts to have drawn such a conclusion. But at this moment he had no time for anything but the terrible truth.

'I see it all,' he said. 'I see it all! It was ruined when you gave it over to us. I see it in every line of your face. Oh, hound! hounds all of you! skulking, dastardly demons, that kill a crowd of honest men to save yourselves—your miserable selves. I see it all!'

'Drummond! I tell you you are mad!'

'Hound!' said Robert again between his clenched teeth. He stood looking at him for a moment with his hands clenched too, and a sombre fire in his eyes. Whether he might have been led into violence had he stood there a moment longer it would be impossible to say. But all the habits of his life were against it, and his very despair restrained him. When he had stood there for a second, he turned round suddenly on his heel without any warning, and almost knocking down a man who was keeping warily behind him ready for any emergency, went away in the opposite direction without saying a word. Burton stood still gazing after him with a mixture of consternation and concern, and something very like hatred. But his face changed when the spectators drew round him to wonder and question. 'Something wrong with that poor gentleman, I fear, sir,' said one. Mr Burton put on a look of regret, sighed deeply, put his hand to his forehead, shook his head, murmured—'Poor fellow!' and—walked away. What could he do? He was not his brother's keeper, much less was he responsible for his cousin's husband—the paltry painter-fellow she had preferred tohim. What would Helen think of her bargain now? Mad or drunk, it did not matter which—a pleasant companion for a woman. He preferred to think of this for the moment, rather than of the other question, which was in reality so much more important. Rivers's! Thank heaven he was no money loser, no more than was respectable. He had seen what was coming. Even to himself, this was all that Mr Burton said. He hurried on, however, to learn what people were saying of it, with more anxiety in his mind than seemed necessary. He went to the bank itself with the air of a man going to a funeral. 'The place I have known so long!' he said to another mournful victim who had appeared on the field of the lost battle, but who was not mad like Robert. 'And to think that Golden should have betrayed your confidence! A man I have known since he wasthatheight—a man I could have answered for with my life!'

Meanwhile Drummond strayed on he knew not where. He went back into the City, into the depths of those lanes and narrow streets which he had left so lately, losing himself in a bewildering maze of warehouse walls and echoing traffic. Great waggons jammed him up against the side, loads dangled over his head that would have crushed him in a moment, open cellars yawned for his unsteady feet; but he walked as safe through all those perils as if he had borne a charmed life, though he neither looked nor cared where he was going. His meeting with Burton was forced out of his mind in a few minutes as if it had not been. For the moment it had startled him into mad excitement; but so strong was the stupor of his despair, that in five minutes it was as if it had never been. For hours he kept wandering round and round the scene of his ruin, coming and going in a circle, as if his feet were fast and he could not escape. It had been morning when he left his house. It was late afternoon when he got back. Oh why was it summer and the days so long? if only that scorching sun would have set and darkness fallen over the place. He stole in under cover of the lilac trees, which had grown so big and leafy, and managed to glide down the side-way to the garden and get to the studio door, which he could open with his key. He had been doing nothing but think—think—all the time; but 'now, at least, I shall have time to think,' he said to himself, as he threw himself down on a chair close to the door—the nearest seat—it no longer mattered where he placed himself or how. He sat huddled up against the wall as sometimes a poor model did, waiting wistfully to know if he was wanted,—some poor wretch to whom a shilling was salvation. This fancy, with a thousand others equally inappropriate, flashed across his mind as he sat there, still with his hat pulled down on his brows in the sunny luxurious warmth of the afternoon. The mere atmosphere, air, and sky, and sunshine would have been paradise to the artist in the poorest time he had ever known before, but they did not affect him now. He sat there in his stupor for perhaps an hour, not even able to rouse himself so far as to shut the door of communication into the conservatory, through which he heard now and then the softened stir of the household. He might have been restored to the sense of life and its necessities, might have been brought back out of the delirium of his ruin at that moment, had any one in the house known he was there. Helen was in the drawing-room, separated from him only by that flowery passage which he had made for her, to tempt her to visit him at his work. She was writing notes, inviting some half-dozen people to dinner, as had been arranged between them, but with a heavy and anxious heart, full of misgiving. She had risen from her writing table three or four times to go to the window and look out for her husband, wondering why he should be so long of coming—while he sat so near her. Mrs Drummond's heart was very heavy. She did not understand what he said to her in the morning—could not imagine how it could be. It must be a temporary cloud, a failure of some speculation, something unconnected with the ordinary course of life, she said to herself. Money!—he was not a business man—it could not be money. If it was only money, why that was nothing. Such was the course of her thoughts. And she paused over her invitations, wondering was it right to give them if Robert had been losing money. But they were old friends whom she was inviting—only half a dozen people—and it was for his birthday. She had just finished the last note, when Norah came dancing into the room, claiming her mother's promise to go out with her; and after another long gaze from her window, Helen made up her mind to go. It was her voice speaking to the maid which roused Robert. 'If Mr Drummond comes in before I return,' he heard her say, 'tell him I shall not be long. I am going with Miss Norah to the gardens for an hour, and then to ask for Mr Haldane; but I shall be back by half-past six.' He heard the message—he for whom it was intended—and rose up softly and went to his studio window, and peeped stealthily out to watch them as they went away. Norah came first, with a skip and gambol, and then Helen. His wife gave a wistful look back at the house as she opened the little gate under the leafy dusty lilacs. Was it with some premonition of what she should find when she came back? He hid himself so that he could not be seen, and gazed at the two, feeling as if that moment was all that life had yet to give him. It was his farewell look. His wife and child disappeared, and he could hear their footsteps outside on the pavement going farther and farther away on their harmless, unimportant walk, while he——He woke up as if it had been out of sleep or out of a trance. She would return by half-past six, and it was now approaching five. For all he had to do there was so little, so very little time.

So he said to himself, and yet when he said it he had no clear idea what he was going to do. He had not only to do it, whatever it was, but to make up his mind, all in an hour and a half; and for the first five minutes of that little interval he was like a man dreaming, stretching out his hands to catch any straw, trying to believe he might yet be saved. Could he leave them—those two who had just left the door—to struggle through the rest of life by themselves? Helen was just over thirty, and her daughter nearly twelve. It was a mature age for a woman; but yet for a woman who has been protected and taken care of all her life, how bitter a moment to be left alone!—the moment when life is at its fullest, demands most, feels most warmly, and has as yet given up nothing. Helen had had no training to teach her that happiness was not her right. She had felt it to be her right, and her whole soul rose up in rebellion against any infringement of that great necessity of being. How was she to live when all was taken from her, even the support of her husband's arm? Robert had never known so much of his wife's character before, but in this awful moment it became clear to him as by an inspiration. How was she to bear it? Credit, honour, money, living—and her husband, too, who could still work for her, shield her. He went to his easel and uncovered the half-finished picture on it, and gazed at it with something that was in reality a dumb appeal to the dumb canvas to help him. But it did not help him. On the contrary, it brought suddenly up before him his work of the past, his imperfect successes, and Helen's kind, veiled, hidden, but unconcealable dissatisfaction. The look of suppressed pain in her face, the subdued tone, the soft languid praise of some detail or accessory, the very look of her figure when she turned away from it, came all before him. Her habit was, when she turned away, to talk to him of other things. How clearly that oft-repeated scene came before him in his despair! She was dutiful, giving him her attention conscientiously as long as was needful; but when he fell back into the fond babble of the maker, and tried to interest her in some bit of drapery, or effect of light, or peculiarity of grouping, she would listen to him sweetly, and—change the subject as soon as possible. It all returned to him—he remembered even the trivial little words she had spoken, the languid air of half fatigue which would come over her. That—along with the meagrest poverty, the hardest homely struggles for daily bread. Could she bear to go back to it? She would lose everything, the house and all that was in it, everything that could be called hers or supposed hers. The only thing that could not be taken from her would be her £100 a year, her little fortune which was settled on her. 'They could live on that,' poor Drummond went on in his dreary miserable thoughts. 'They could exist, it is possible, better without me than with me. Would they be happier to have me in prison, disgraced, and dishonoured, a drag hanging about their neck—or to hear the worst at once, to know that everything was over, that at least their pittance would be theirs, and their peace respected? Everything would be over. Nobody could have any pretext for annoying her about it. They would be sorry for her—even they would be sorry for me. My policies would go to make up something—to clear my name a little. And they would let her alone. She could go to the country. She is so simple in her real tastes. They could live on what she has, if they were only rid of me.' A sigh that was almost a sob interrupted him in his musing. He was so worn out; and was it the grave-chill that was invading him already and making him shiver? He took the canvas on the easel and held it up to the light. 'The drawing is good enough,' he said to himself, 'it is not the drawing. She always owns that. It is—something else. And how can I tell after this that I could even draw? I could not now, if I were to try. My hand shakes like an old man's. I might fall ill like poor Haldane! Ah, my God!' The canvas fell out of his hands upon the floor—a sudden spasm contracted his heart. Haldane! It was the first time that day that he had thought of him. His ruin would be the ruin of his friend too—his friend who was helpless, sick, and yet the support of others. 'Oh, my God, my God!' he wailed with a cry of despair.

And there was no one near to hear him, no one to defend him from himself and from the devil, to lay hands upon him, to bid him live and hope and work, and help them to exist whom he had helped to ruin. He was left all alone in that moment of his agony. God, to whom he had appealed, was beyond the clouds, beyond that which is more unfathomable than any cloud, the serene, immeasurable, impenetrable blue, and held out no hand, sent no voice of comfort. The man fell down where his work had fallen, prone upon the ground, realising in a moment all the misery of the years that were to come. And it was his doing, his doing!—though consciously he would have given himself to be cut to pieces, would have toiled his life out, to make it up now to his friend,—how much more to his wife! What passed in his mind in that awful interval is not to be told. It was the supreme struggle between life and despair, and it was despair that won. When he rose up his face was like the face of an old man, haggard and furrowed with deep lines. He stood still for a moment, looking round him vaguely, and then made a little pilgrimage round the room, looking at everything, with a motive, without a motive, who can tell? his whole faculties absorbed in the exaltation, and bewildering, sombre excitement of such a crisis as can come but once to any man. Then he sat down at his writing-table, and sought out some letter-paper (there were so many scraps of drawing-paper that came first to hand), and slowly wrote a few lines. He had to search for a long time before he could find an envelope to enclose this, and his time was getting short. At last he put it up, and, after another pause, stole through the conservatory, walking stealthily like a thief, and placed the white envelope on a little crimson table, where it shone conspicuous to everybody who should enter. He did more than that; he went and bent over the chair which Helen had pushed away when she rose from it—the chair she always sat on—and kissed it. There was a little bright-coloured handkerchief lying on the sofa, which was Norah's. He took that up and kissed it too, and thrust it into his breast. Did he mean to carry it with him into the dark and silent country where he was going? God knows what was the thought in his mind. The pretty clock on the mantelpiece softly chimed the quarter as he did this, and he started like a thief. Then he took an old great-coat from the wall, an old travelling hat, which hung beside it, and went back to the studio. There was no more time for thought. He went out, leaving the door unlocked, brushing stealthily through the lilacs. The broad daylight played all around him, revealing him to every one, showing to the world how he stole away out of his own house. He had put up the collar of his coat and drawn his hat down over his brows to disguise himself in case he met any one he knew. Any one he knew! It was in case he met his wife, to whom he had just said farewell for ever, and his child, whose little kerchief he was going to take with him into this dismal ruin, into the undiscovered world.

All this might have been changed had he met them; and they were crossing the next street coming home, Helen growing more and more anxious as they approached the door. Had he been going out about some simple everyday business, of course they would have met; but not now, when it might have saved one life from destruction and another from despair. He had watched for a moment to make sure they were not in sight before he went out; and the servants had caught a glimpse of a man whom they did not recognise hiding among the bushes, and were frightened; so, it turned out afterwards, had various other passers-by. But Drummond saw no one—no one. The multitudes in the noisier streets upon which he emerged after a while, were nothing to him. They pushed against him, but he did not see them; the only two figures he could have seen were henceforward to be invisible to him for ever.

For ever! for ever! Was it for ever? Would this crime he was about to commit, this last act of supreme rebellion against the will of that God to whom he seemed to have appealed in vain, would it sever him from them not only in this world, but in the world to come? Should he have to gaze upward, like poor Dives, and see, in the far serene above him, these two walking in glory and splendour, who were no longer his? perhaps surrounded by angels, stately figures of the blessed, without a thought to spare in the midst of that glory for the poor soul who perished for love of them. Could that be true? Was it damnation as well as death he was going to face? Was it farewell for ever, and ever, and ever?

So the awful strain ran on, buzzing in his ears, drowning for him the voices of the crowd—for ever, for ever, for ever. Dives forlorn and far away—and up, up high in the heavens, blazing above him, like a star—

Like that star in the soft sky of the evening which came out first and shone down direct upon him in his wretchedness. How it shone! How she shone!—was it she?—as it grew darker drawing a silver line for him upon the face of the darkening water. Was that to be the spot? But it took years to get dark that night. He lived and grew old while he was waiting thus to die. At last there was gloom enough. He got a boat, and rowed it out to that white glistening line, the line that looked like a silver arrow, shining where the spot was—

The boat drifted ashore that night as the tide fell. In that last act, at least, Nature helped him to be honest, poor soul!

'The studio door is open, mamma,' said little Norah dancing in before her mother, through the lilac bushes. The words seemed to take a weight off Helen's heart.

'Then papa must have come in,' she said, and ran up the steps to the door, which was opened before she could knock by an anxious, half-frightened maid. 'Mr Drummond has come in?' she said, in her anxiety, hasting to pass Jane, who held fast by the door.

'No, ma'am, please, ma'am; but Rebecca and me see a man about not five minutes ago, and I can't find master's topcoat as was a-hanging in the hall—Rebecca says, ma'am, as she thought she see—'

'Papa has not been home after all,' Helen said to her little daughter; 'perhaps Mr Drummond wore his great-coat last night, Jane. Never mind just now; he will tell us when he comes in.'

'But I see the man, and George was out, as he always is when he's wanted. Me and Rebecca—' said Jane.

'Never mind just now,' said Helen languidly. She went into the drawing-room with the load heavier than ever on her heart. What could have kept him so long? What could be making him so miserable? Oh, how cruel, cruel it was not to know! She sat down with a heart like lead on that chair which poor Robert had kissed—not fifteen minutes since, and he was scarcely out of reach now.

'Oh, mamma,' cried Norah, moving about with a child's curiosity; 'here is a letter for you on the little red table. It is so funny, and blurred, and uneven. I can write better than that—look! isn't it from papa?'

Helen had not paid much attention to what the child said, but now she started up and stretched out her hand. The name on the outside was scarcely legible, it was blurred and uneven, as Norah said; and it was very clear to see, could only be a message of woe. But her worst fears, miserable as she felt, had not approached the very skirts of the misery that now awaited her. She tore the envelope open, with her heart beating loud in her ears, and her whole body tingling with agitation. And this was what she read:—

'My Helen, my own Helen,—I have nothing in the world to do now but to bid you good-bye. I have ruined you, and more than you. If I lived I should only be a disgrace and a burden, and your little money that you have will support you by yourself. Oh, my love, to think I should leave you like this! I who have loved you so. But I have never been good enough for you. When you are an angel in heaven, if you see me among the lost, oh, bestow a little pity upon me, my Helen! I shall never see you again, but as Dives saw Lazarus. Oh, my wife, my baby, my own, you will be mine no longer; but have a little pity upon me! Give me one look, Helen, out of heaven.'I am not mad, dear. I am doing it knowing it will be for the best. God forgive me if I take it upon me to know better than Him. It is not presumption, and perhaps He may know what I mean, though even you don't know. Oh my own, my darlings, my only ones—good-bye, good-bye!'

'My Helen, my own Helen,—I have nothing in the world to do now but to bid you good-bye. I have ruined you, and more than you. If I lived I should only be a disgrace and a burden, and your little money that you have will support you by yourself. Oh, my love, to think I should leave you like this! I who have loved you so. But I have never been good enough for you. When you are an angel in heaven, if you see me among the lost, oh, bestow a little pity upon me, my Helen! I shall never see you again, but as Dives saw Lazarus. Oh, my wife, my baby, my own, you will be mine no longer; but have a little pity upon me! Give me one look, Helen, out of heaven.

'I am not mad, dear. I am doing it knowing it will be for the best. God forgive me if I take it upon me to know better than Him. It is not presumption, and perhaps He may know what I mean, though even you don't know. Oh my own, my darlings, my only ones—good-bye, good-bye!'

There was no name signed, no stops to make the sense plain. It was written as wildly as it had been conceived; and Helen, in her terrible excitement, did not make out at first what it could mean. What could it mean? where was he going? The words about Dives and Lazarus threw no light upon it at first. He had gone away. She gave a cry, and dropped her hands upon her lap, with the letter in them, and looked round her—looked at her child, to make sure to herself that she was not dreaming. Gone away! But where, where, and why this parting? 'I don't understand it—he has gone and left us,' she said feebly, when Norah, in her curiosity, came rushing to her to know what it was. 'I don't know what it means. O God, help us!' she said, with an outburst of miserable tears. She was confused to the very centre of her being. Where had he gone?'

'May I read it, mamma?' little Norah asked, with her arms round her mother's neck.

But Helen had the feeling that it was not fit for the child. 'Run and ask who brought it,' she said, glad to be alone; and then read over again, with a mind slowly awakening to its reality, that outburst of love and despair. The letter shook in her hands, salt tears fell upon it as she read. 'If I lived:—I am doing it, knowing.' God, God, what was it he had gone to do? Just then she heard a noise in the studio, and starting to her feet rushed to the conservatory door, crying, 'Robert! Robert!' She was met by Jane and Norah, coming from it; the child was carrying her father's hat in her arms, with a strange look of wonder and dismay on her face.

'Mamma, no one brought the letter,' she said in a subdued, horror-struck tone; 'and here is papa's hat—and the picture is lying dashed down on the floor with its face against the carpet. It is all spoiled, mamma,' sobbed little Norah—'papa's picture! and here is his hat. Oh, mamma, mamma!'

Norah was frightened at her mother's face. She had grown ghastly pale. 'Get me a cab,' she said to the maid, whose curiosity was profoundly excited. Then she sat down and took her child in her arms. 'Norah, my darling,' she said, making a pause between every two words, 'something dreadful has happened. I don't know what. I must go—and see. I must go—and find him—O my God, where am I to go?'

'And me, too,' said the child, clinging to her fast; 'me, too—let us go to the City, mamma!'

'Not you, Norah. It will soon be your bedtime. Oh, my pet, go and kneel down and pray—pray for poor papa.'

'I can pray just as well in the cab,' said Norah; 'God hears all the same. I am nearly twelve—I am almost grown up. You shall not, shall not go without me. I will never move nor say a word. I will run up and get your cloak and mine. We'll easily find him. He never would have the heart to go far away from you and me.'

'He never would have the heart,' Helen murmured the words over after her. Surely not. Surely, surely, he would not have the heart! His resolution would fail. How could he go and leave the two whom he loved best—the two whom alone he loved in this world. 'Run, then, dear, and get your cloak,' she said faintly. The child seemed a kind of anchor to her, holding her to something, to some grasp of solid earth. They drove off in a few minutes, Norah holding fast her mother's hand. They overtook, if they had but known it, and passed in the crowd, the despairing man they sought; and he with his dim eyes saw the cab driving past, and wondered even who was in it—some other sufferer, in the madness of excitement or despair. How was he to know it was his wife and child? They drove to the City, but found no one there. They went to his club, to one friend's house after another, to the picture-dealers, to the railway stations. There, two or three bystanders had seen such a man, and he had gone to Brighton, to Scotland, to Paris, they said. Coming home, they drove over the very bridge where he had been standing waiting for the dark. It was dark by that time, and Helen's eye caught the line of light on the water, with that intuitive wish so common to a painter's wife, that Robert had seen it. Ah, good Lord! he had seen and more than seen. The summer night was quite dark when they got home. Those gleams of starlight were lost in clouds, and all was gloom about the pretty house. Instead of the usual kindly gleam from the windows, nothing was visible as they drew up to the door but the light of a single candle which showed its solitary flame through the bare window of the dining-room. No blind was drawn, or curtain closed, and like the taper of a watcher shone this little miserable light. It chilled Helen in her profound discouragement and fatigue, and yet it gave her a forlorn hope that perhaps he had come. Norah had fallen fast asleep leaning against her. It was all she could do to wake the child as they approached the door; and Jane came out to open the gate with a scared face. 'No, ma'am, master's never been back,' she answered to Helen's eager question; but Dr Maurice, he's here.'

Mrs Drummond put Norah into the woman's arms, and rushed into the house. Dr Maurice met her with a face almost as white as her own, and took her hands compassionately. 'You have heard from him? What have you heard? where is he?' said poor Helen.

'Hush, hush!' he said, 'perhaps it is not so bad as it appears. I don't understand it. Rest a little, and I will show you what he has written to me.'

'I cannot rest,' she said; 'how can I rest when Robert——Let me see it. Let me see it. I am sure to understand what he means. He never had any secrets before. Oh, show it me—show it me!—am not I his wife?'

'Poor wife, poor wife!' said the compassionate doctor, and then he put her into an easy-chair and went and asked for some wine. 'I will show it you only when you have drank this,' he said; 'only when you have heard what I have to say. Drummond is very impulsive you know. He might not do really as he said. A hundred things would come in to stop him when he had time to think. His heart has been broken by this bank business; but when he felt that it was understood he was not to blame——'

'Give me your letter,' she said, holding out her hand to him. She was capable of no more.

'He would soon find that out,' said the doctor. 'Who could possibly blamehim? My dear Mrs Drummond, you must take this into account. You must not give him up at once. I have set on foot all sorts of inquiries——'

'The letter, the letter!' she said hoarsely, holding out her hand.

He was obliged to yield to her at last, but not without the consciousness which comforted him that she had heard a great deal of what he had to say. She had not listened voluntarily; but still she had not been able to keep herself from hearing. This was not much comfort to poor Helen, but it was to him. He had made her swallow the wine too; he had done his best for her; and now he could but stand by mournfully while she read her sentence, the words which might be death.

'Maurice, I want you to go to my wife. Before you get this, or at least before you have got to her, I shall be dead. It's a curious thing to say, but it's true. There has been a great crash at the bank, and I am ruined and all I care for. If I lived I could do no good, only harm; but they will be sorry for her if I die. I have written to her, poor darling, to tell her; but I want you to go and stand by her. She'll want some one; and kiss the child for me. If they find me, bury me anywhere. I hope they will never find me, though, for Helen's sake. And poor Haldane. Tell him I knew nothing of it; nothing, nothing! I would have died sooner than let them risk his money. God help us, and God forgive me! Maurice, you are a good fellow; be kind to my poor wife.'

There was a postscript which nobody read or paid any attention to: that is to say, they read it and it died from their minds for the moment as if it meant nothing. It was this, written obliquely like an after-thought—

'The bank was ruined from the first; there was never a chance for us. I found this out only to-day. Burton and Golden have done it all.'

These were the words that Helen read, with Dr Maurice standing mournfully behind watching her every movement. She kept staring at the letter for a long time, and then fell back with a hysterical sob, but without any relief of tears. Dr Maurice stood by her as his friend had asked him. He soothed her, adding every possible reason he could think of (none of which he himself believed in the smallest degree) to show that 'poor Drummond' might change his mind. This was written in the first impulse of despair, but when he came to think——Helen did not listen; but she heard what Dr Maurice said vaguely, and she heard his account of what he had done; he had given information at once to the police; he had engaged people everywhere to search and watch. News would be heard of him to-morrow certainly, if not to-night. Helen rose while he was speaking. She collected herself and restrained herself, exerting all the strength she possessed. 'Will you come with me?' she said.


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