Squire Cortelyon was turned forty before he married. He fixed his mature affections on a banker's daughter, who brought him a dowry of ten thousand pounds, with the prospect of thirty thousand to follow at her father's demise. But three years later the bank in which Mr. Lowthian was senior partner failed, and the prospective thirty thousand went in the general smash. Such a loss to such a man was undoubtedly a terrible blow. A couple of years later still his wife died, leaving him with one child,--a son. He had felt no particular affection for her while living, and he was not hypocrite enough to pretend to mourn her very deeply now she was dead. Ambrose Cortelyon was one of those men who never feel comfortable, or at home, in the presence of children, and as soon as Master Dick was old enough he was packed off to a public school, and for the next dozen or more years, except at holiday times, it was but little he saw either of his father or his home. From school he went to college, but with his twenty-first birthday his career at Cambridge came to an end. The life his father intended him for was that of a country gentleman, with, perhaps, an M.P.-ship _in future_. Where, then, would have been the use of wasting more time in competing for a degree which, even if he should succeed in taking it, would be of no after-value to him? Far better that he should spend a season or two in town, perfecting himself in his French meanwhile--the country swarmed with _emigrés_ glad to give lessons for the merest pittance--and after that devote a couple of years to the Grand Tour. Mr. Cortelyon would have his son a man of the world, and neither a milksop nor a puritan. With his own hands he put a copy of "Lord Chesterfield's Letters to his Son" into Dick's valise. "A book to profit by," he said. "Let me adjure you to read and re-read it." Dick felt more respect--which till he was grown-up had not been unmixed with awe--than affection for his father. All his life Mr. Cortelyon had been a reserved and undemonstrative man, and averse from any display of feeling or sentiment. Still, that his son was far dearer to him than aught else in life, and that he looked with secret pride and hope to moulding him in accordance with his own views and wishes, can hardly be doubted. The mistake he made was in imagining that Dick was fashioned on the same lines, mental and moral, as himself; whereas the lad took after his mother in almost every particular. Easy-going, affable to all, led far more by his heart than his head, everybody's friend and nobody's enemy but his own--how was such a young man, with his handsome person, well-lined purse, and a certain element of rustic simplicity which still clung to him, to escape shipwreck in the great maelstrom of London in one form or another?