"Thank God! It is my happy belief that this hour is not dark for us. It was my intention, Rachel, to retire altogether from business and public life, and to that end I took advantage of your absence from London to settle my affairs. My resolution was prompted by the secret, the burden of which, although I have not yet disclosed it to you, you have made lighter for me to reveal. Brought to public knowledge, which I fear its peculiar nature will render inevitable, it will be immediately said that I am unfitted to retain my position as a leader and teacher. To tarry until that judgment was pronounced upon me would be to aggravate the disaster, and I resolved to anticipate the verdict by resigning the honours which have been conferred upon me. I have done so, and I have withstood the pressure that has been put upon me to withdraw my resignation. An examination of my worldly affairs resulted in my finding myself in possession of nearly a hundred thousand pounds. I divided this into three portions, one of which I intended to retain in order that we might pass what years of life remained to us in comfort; the second portion I devoted to charity, and it has thus been distributed; the third portion was devoted to repairing to some extent the error of which I have been guilty." He looked at Rachel after he uttered these words, which he had spoken with averted head. There was no change in her. Sweetness and sympathy were expressed in her beautiful face, and it seemed as if her soul's light dwelt thereon. "Do you approve, Rachel?" "Entirely, love. Let me hold your hand." He continued. "The money I intended for our private use was lodged in a City bank, and in this bank I hold shares for which I am liable to the depositors. Yesterday Mr. Moss brought me news of a commercial crisis in which I discerned----" "Go on, dear husband. I am prepared for the worst." "In which I discerned my ruin. This morning I convinced myself that the news was true." "And we are poor again," said Rachel, in a gentle voice. "And we are poor again. Everything is lost. I do not know the extent of my liabilities upon the shares I hold in the bank, but it is certain that my property--even down to the smallest possession--will scarcely be sufficient to meet them. I have nothing more to tell of my worldly trouble, Rachel." "Dear love," said Rachel, sweetly, with her arms around him, "it is a small trouble, and we will meet it bravely. With all my heart and strength I will help you to meet it, and it will not make the future less happy. We cannot remain in this house; the expenses are too great." "You echo my thought, Rachel. I have already discharged the servants, and have paid what is due to them. They expressed their sorrow, for I think they have an affection for us, but the separation is unavoidable. To-morrow they take their departure, and to-morrow, dear love, we must move into humbler quarters."