And yet after all it was this instrument, the same twisted wire and little quivering tympanum, that had brought back Marjorie into his life. § 3 And now Trafford fell into a great perplexity of mind. His banker had called his attention to the fact that his account was overdrawn to the extent of three hundred and thirteen pounds, and he had been under that vague sort of impression one always has about one's current account that he was a hundred and fifty or so to the good. His first impression was that those hitherto infallible beings, those unseen gnomes of the pass-book whose lucid figures, neat tickings, and unrelenting additions constituted banks to his imagination, must have made a mistake; his second that some one had tampered with a cheque. His third thought pointed to Marjorie and the easy circumstances of his home. For a fortnight now she had been obviously ailing, oddly irritable; he did not understand the change in her, but it sufficed to prevent his taking the thing to her at once and going into it with her as he would have done earlier. Instead he had sent for his pass-book, and in the presence of its neat columns realized for the first time the meaning of Marjorie's "three hundred pounds." Including half-a-dozen cheques to Oxbridge tradesmen for her old debts, she had spent, he discovered, nearly seven hundred and fifty. He sat before the little bundle of crumpled strips of pink and white, perforated, purple stamped and effaced, in a state of extreme astonishment. It was no small factor in his amazement to note how very carelessly some of those cheques of Marjorie's had been written. Several she had not even crossed. The effect of it all was that she'd just spent his money--freely--with an utter disregard of the consequences. Up to that moment it had never occurred to Trafford that anybody one really cared for, could be anything but punctilious about money. Now here, with an arithmetical exactitude of demonstration, he perceived that Marjorie wasn't. It was so tremendous a discovery for him, so disconcerting and startling, that he didn't for two days say a word to her about it. He couldn't think of a word to say. He felt that even to put these facts before her amounted to an accusation of disloyalty and selfishness that he hadn't the courage to make. His work stopped altogether. He struggled hourly with that accusation. Did she realize----? There seemed no escape from his dilemma; either she didn't care or she didn't understand! His thoughts went back to the lake of Orta, when he had put all his money at her disposal. She had been surprised, and now he perceived she had also been a little frightened. The chief excuse he could find for her was that she was inexperienced--absolutely inexperienced. Even now, of course, she was drawing fresh cheques.... He would have to pull himself together, and go into the whole thing--for all its infinite disagreeableness--with her.... But it was Marjorie who broached the subject.