Fred Bingham then had long looked upon his success with Alice Heathcote as a certainty, only awaiting his making up his mind. Before Frank had left England, indeed, Fred had rather doubted whether Alice Heathcote did not prefer his cousin to himself, but he believed that his long absence had quite put him beyond the pale as a rival; and when, upon Frank's return, he had observed that there was a sort of reserve on Alice's part towards him, and that this reserve apparently increased rather than lessened with time, he considered his own success as secured. Then, too, with great pleasure he had seen that Frank was somehow in disgrace, and took the opportunity of his absence to make the greatest progress possible. What was the cause of Frank's disgrace, Fred was ignorant, as Captain Bradshaw had upon no occasion even hinted the cause of his displeasure. Had he done so, Fred would have done all in his power to keep them apart: as it was, he was obliged to let matters take their course. The sole reason why Fred Bingham had not long before proposed to Alice Heathcote, was because he was doubtful about himself. Not doubtful as to whether he loved her, for upon that point he had no question at all; indeed, he had no belief whatever in love, and looked upon it as an absurdity quite out of place in business. If two people liked each other, and could get on well together, and the match was mutually advantageous, what more could be desired? The question in his mind was, should he get on well with Alice Heathcote? He liked her well enough, yes, he really liked her very much, and the match would be an advantageous one, but he was not quite so easy in his mind as to whether he should get on well with her. Now Fred's idea of a wife who would get on well with him was a woman who would do just as she was told, who would never set up her opinion against his, who would in fact be a species of bond slave to his will. Now he had great doubts whether Alice Heathcote would do all this. He was in fact a little afraid of her. There was a quiet decision and firmness about her which made him feel uncomfortably that the combat between them would be a hard fought one; then too she was tall, and Fred did not like tall women. He fancied sometimes that if he got into a passion with her—and he allowed himself that he had a hasty temper—she would look down coldly contemptuous at him. There was another difficulty which presented itself, and which had for some time kept Fred Bingham in a state of uncertainty. Alice Heathcote's fortune was he knew about £50,000, and also that it was her own absolutely, and Fred felt certain that Captain Bradshaw would see that the greater part, if not the whole of it, were settled upon herself at her marriage. Now Fred Bingham was very much pressed for ready money; he was embarking with his father in several extensive affairs in which capital was all-essential. More than once his thoughts had