"My dear Mr. Hartingon,--I was in no way surprised at the receipt of your letter, and indeed have been expecting an inquiry from you as to the mortgage. It happened in this way: Some three years ago your father said to me, 'I want to raise L15,000 on the estate, Brander.' I was naturally greatly surprised, for acting for him as I did, I was, of course, aware that he lived well within his income. He went on, 'Of course you are surprised, Brander, but as you must know well most men have a skeleton in a cupboard somewhere. I have one, and as I am getting on in life I want to bury it for good. It makes no difference to you what it is, and I have no intention of going into the matter. It suffices that I want L15,000.' 'Of course there is no difficulty about that, sir,' I said, 'the estate is unencumbered, and as there is no entail you are free to do with it as you like. 'But I want it done quietly,' he said, 'I don't want it talked about that I have mortgaged Fairclose. The best plan by far would be for you to do it yourself, which I have no doubt you can do easily enough if you like.' I said that I would much rather have nothing to do with it, as I have always considered it a mistake for lawyers to become principals in money transactions with their clients, and had always refused to do anything of the sort. However, he put the matter so strongly that he at last induced me, against my better judgment, to consent to advance the money, and at his earnest request I handed him the money in notes, so that no one, even at the bank, should be aware that such a sum had passed between us. Of course the mortgage was drawn up in the usual form and duly executed and witnessed, and I have no doubt that the liquidator of the bank will be happy to show you your father's receipt for the money and the receipts given by me to him for the interest. As you say the matter does not pecuniarily affect you now, but at the same time I am naturally anxious you should satisfy yourself thoroughly that the transaction was in every respect a bona fide one." Cuthbert sat for some time with the letter before him. "I suppose the dear old dad must have got into some scrape or other years ago," he said to himself. "What it was it is no use wondering, still less inquiring about. I am surprised he never told me, but I suppose he could not wind himself up to the point, and I have no doubt he intended to tell me some day, and would have done so if he hadn't been carried off so suddenly. Anyhow, he knew me well enough to be sure that when I heard of this mortgage, and learned how it had been done that my love and respect for him would be sufficient to prevent my trying to search into his past. He little thought that the mortgage would not affect me to the extent of a penny. Well, there is an end of it, and I won't think any more about the matter the secret is dead and buried; let it rest there. And now it is time to be off to my work." CHAPTER IV.