Nancy deemed herself a highly educated young woman,--‘cultured’ was the word she would have used. Her studies at a day-school which was reputed ‘modern’ terminated only when she herself chose to withdraw in her eighteenth year; and since then she had pursued ‘courses’ of independent reading, had attended lectures, had thought of preparing for examinations--only thought of it. Her father never suggested that she should use these acquirements for the earning of money; little as she knew of his affairs, it was obviously to be taken for granted that he could ensure her life-long independence. Satisfactory, this; but latterly it had become a question with her how the independence was to be used, and no intelligible aim as yet presented itself to her roving mind. All she knew was, that she wished to live, and not merely to vegetate. Now there are so many ways of living, and Nancy felt no distinct vocation for any one of them. She was haunted by an uneasy sense of doubtfulness as to her social position. Mr. Lord followed the calling of a dealer in pianos; a respectable business, to be sure, but, it appeared, not lucrative enough to put her above caring how his money was made. She knew that one’s father may be anything whatever, yet suffer no social disability, provided he reap profit enough from the pursuit. But Stephen Lord, whilst resorting daily to his warehouse in Camberwell Road--not a locality that one would care to talk about in ‘cultured’ circles--continued, after twenty years, to occupy this small and ugly dwelling in Grove Lane. Possibly, owing to an imperfect education, he failed to appreciate his daughter’s needs, and saw no reason why she should not be happy in the old surroundings. On the other hand, perhaps he cared very little about her. Undoubtedly his favourite was Horace, and in Horace he had suffered a disappointment. The boy, in spite of good schooling, had proved unequal to his father’s hope that he would choose some professional career, by preference the law; he idled away his schooldays, failed at examinations, and ultimately had to be sent into ‘business.’ Mr Lord obtained a place for him in a large shipping agency; but it still seemed doubtful whether he would make any progress there, notwithstanding the advantage of his start; at two-and-twenty he was remunerated with a mere thirty shillings a week, a nominal salary,’ his employers called it. Nancy often felt angry with her brother for his lack of energy and ambition; he might so easily, she thought, have helped to establish, by his professional dignity, her own social status at the level she desired. There came into view a familiar figure, crossing from the other side of the way. Nancy started, waved her hand, and went to open the door. Her look had wholly altered; she was bright, mirthful, overflowing with affectionate welcome.