Edward Armstrong returned to London with his mind fully made up. He possessed a determined will, and in spite of the misgivings which had tormented him after the exciting evening at Cowes, he had too much self-esteem to dread failure. The girl he loved might be the daughter of the Honourable Mrs. St. Clair, and the great-granddaughter of an earl, and he knew that, in his eyes at least, she was beautiful, but she was penniless; and the gratitude she felt towards him for having saved her life was fast growing into love. Added to this he had the money she lacked, and the power to surround her with all the pleasant comforts and luxuries which money can procure. He determined, however, notwithstanding this confidence in himself, to wait until he had visited Mrs. St. Clair at her own home, and become more acquainted with the real position of the family to whom he wished to ally himself. Mr. Edward Armstrong's house in Dover Street, Piccadilly, had been originally the London residence of a nobleman's family who during the early part of the present century had made that part of London, then called May Fair, their head-quarters. He had let the upper part of his house at a good rental, keeping only for himself a bachelor's parlour behind the office, and a bedroom. On the first evening after his return from the Isle of Wight, these said bachelor apartments wore a very meagre and desolate aspect. Hitherto business and money-making had so absorbed his thoughts that the rooms he occupied had scarcely any interest in his eyes. So long as his housekeeper prepared his meals regularly, and kept his apartments clean and comfortable, he was satisfied. Now, however, he looked with a critical eye upon his domestic arrangements, and on this evening of his arrival, while leaning back after supper in his easy-chair, some such thoughts as these passed through his mind-- "I could not expect any wife to be satisfied with such a dingy little place as this for a sitting-room, and to think of bringing that fairy girl, Maria St. Clair, to such a home is absurd. If I mean to win her I must get rid of these people upstairs, and furnish my house in a fit style to receive her. However, I must not give them notice to leave till I am sure of success. Sure of success! what am I thinking about? 'Faint heart ne'er won fair lady!' and Edward Armstrong is not the man to fail when he once makes up his mind."