They were unfortunate in their children, having lost all they had when quite young, with the exception only of their youngest daughter Carry. Had Stephen Walker continued to live quietly upon his income all might have gone well; but his wife was an extravagant woman and a miserable manager, and Stephen, who in money matters was helpless as a child, soon found that his expenditure was greater than his income. The idea of remonstrating with his wife or endeavouring to curtail the household expenses never entered his mind; the only plan which presented itself to him was to increase his income. To do this he took to speculation, and to the most hazardous of all speculations, that in mining shares; hazardous to anyone, but most of all to a man like Stephen Walker. As might have been anticipated, his operations were almost always unsuccessful. Indeed in the way in which he conducted them it was impossible that it could have been otherwise. He bought shares in mines when they were most prosperous, and stood at the highest point in the market, and directly any reverse or depression took place, although perhaps only of a temporary nature, instead of holding on and waiting until the mine recovered itself, he would rush into the market and dispose of his shares for what they would fetch. It may therefore be readily imagined that Stephen Walker’s fortune melted rapidly away, under his repeated and heavy losses, and the extravagance of his wife. The latter although she would peevishly remonstrate with him, not as to his speculation, but on his losses, had not the least idea of suiting their expenditure to their decreased means. And so things went on from bad to worse, until at last the end came. A mine in which he had invested far more heavily than usual under the influence of the brilliant prospects held out, and the advice of a friend, collapsed, and that so suddenly, that Stephen had no opportunity to dispose of his shares. He was placed on the list of contributories, and called upon for a heavy sum for the winding-up expenses. Then the crash came, and Stephen Walker found himself possessed of only a few hundred pounds and the furniture of the villa. This was sold, and he removed with his wife and his child, then about seven years old, into small lodgings. Here for a year his life was embittered by the reproaches and complainings of his helpless wife; at the end of that time she died, and left a great blank in his life. He had been blind to her faults, and had accepted her querulous reproaches as deserved and natural; besides, as long as she lived, he had had some one to look to for advice, little qualified as she was to give it. Now, excepting his little daughter, he was quite alone. For another year, while his little capital dwindled away, he tried in vain to get something to do. This would have been in any case an almost hopeless task, and was rendered still more so from his extreme want of confidence in himself, which altogether prevented his