At length the party broke up. Mr. Milward retired to his own place, Upcott Hall, which was situated in the neighbourhood, remarking as he went that he hoped to see them all at church on the morrow in the afternoon; whereon Henry resolved instantly that he would not attend divine service upon that occasion. Then Sir Reginald and Lady Graves withdrew to bed, followed by Ellen and Emma Levinger; but, somewhat to his surprise, Henry having announced his intention of smoking a pipe in the library, Mr. Levinger said that he also smoked, and with his permission would accompany him. At first the conversation turned upon Mr. Milward, of whom Henry spoke in no complimentary terms. “You should not judge him so harshly,” said Levinger: “I have seen many such men in my day. He is not a bad fellow at bottom; but he is rich and an only child, and has been spoilt by a pack of women—wants taking down a peg or two, in short. He will find his level, never fear. Most of us do in this world. Indeed, unless my observation is at fault,” Mr. Levinger added significantly, “there is a lady in this house who will know how to bring him down to it. But perhaps you will think that is no affair of mine.” Henry was somewhat mystified by this allusion, though he guessed that it must have reference to Ellen. Of the state of affairs between Mr. Milward and his sister he was ignorant; indeed, he disliked the young gentleman so much himself that, except upon the clearest evidence, it would not have occurred to him that Ellen was attracted in this direction. Mr. Levinger’s remark, however, gave him an opening of which he availed himself with the straightforwardness and promptitude which were natural to him. “It seems, Mr. Levinger,” he said, “from what I have heard since I returned home, that all our affairs are very much your own, or _vice versa._ I don’t know,” he added, hesitating a little, “if it is your wish that I should speak to you of these matters now. Indeed, it seems a kind of breach of hospitality to do so; although, if I understand the position, it is we who are receiving your hospitality at this moment, and not you ours.” Mr. Levinger smiled faintly at this forcible way of putting the situation. “By all means speak, Captain Graves,” he said, “and let us get it over. I am exceedingly glad that you have come home, for, between ourselves, your late brother was not a business man, and I do not like to distress Sir Reginald with these conversations—for I presume I am right in supposing that you allude to the mortgages I hold over the Rosham property.” Henry nodded, and Mr. Levinger went on: “I will tell you how matters stand in as few words as possible.” And he proceeded to set out the financial details of the encumbrances on the estate, with which we are already sufficiently acquainted for the purposes of this history.