"It is enough for to-day that we understand each other," she said. "Have you any engagement to-morrow, after the hours of business?" "None." She pointed to her card on the writing-table. "Will you come to me to-morrow evening at that address? I am like the gentleman who has just called; I, too, have my reason for wishing to see you." He gladly accepted the invitation. Mrs. Callender stopped him as he opened the door for her. "Shall I offend you," she said, "if I ask a strange question before I go? I have a better motive, mind, than mere curiosity. Are you married?" "No." "Forgive me again," she resumed. "At my age, you cannot possibly misunderstand me; and yet--" She hesitated. Mr. Lismore tried to give her confidence. "Pray don't stand on ceremony, Mrs. Callender. Nothing that _you_ can ask me need be prefaced by an apology." Thus encouraged, she ventured to proceed. "You may be engaged to be married?" she suggested. "Or you may be in love?" He found it impossible to conceal his surprise. But he answered without hesitation. "There is no such bright prospect in _my_ life," he said. "I am not even in love." She left him with a little sigh. It sounded like a sigh of relief. Ernest Lismore was thoroughly puzzled. What could be the old lady's object in ascertaining that he was still free from a matrimonial engagement? If the idea had occurred to him in time, he might have alluded to her domestic life, and might have asked if she had children? With a little tact he might have discovered more than this. She had described her feeling toward him as passing the ordinary limits of gratitude; and she was evidently rich enough to be above the imputation of a mercenary motive. Did she propose to brighten those dreary prospects to which he had alluded in speaking of his own life? When he presented himself at her house the next evening, would she introduce him to a charming daughter? He smiled as the idea occurred to him. "An appropriate time to be thinking of my chances of marriage!" he said to himself. "In another month I may be a ruined man." III. THE gentleman who had so urgently requested an interview was a devoted friend--who had obtained a means of helping Ernest at a serious crisis in his affairs. It had been truly reported that he was in a position of pecuniary embarrassment, owing to the failure of a mercantile house with which he had been intimately connected. Whispers affecting his own solvency had followed on the bankruptcy of the firm. He had already endeavored to obtain advances of money on the usual conditions, and had been met by excuses for delay. His friend had now arrived with a letter of introduction to a capitalist, well known in commercial circles for his daring speculations and for his great wealth.