I doubt if reticence is really a virtue in a teacher. But this is a fearful world, and the majority of those who instruct our youth have the painful sensitiveness of the cloistered soul to this spirit of terror in things. The young need particularly to be told truthfully and fully all we know of three fundamental things: the first of which is God, the next their duty towards their neighbours in the matter of work and money, and the third Sex. These things, and the adequate why of them, and some sort of adequate how, make all that matters in education. But all three are obscure and deeply moving topics, topics for which the donnish mind has a kind of special ineptitude, and which it evades with the utmost skill and delicacy. The middle part of this evaded triad was now being taken up in Marjorie's case by the Oxbridge tradespeople. The Oxbridge shopkeeper is peculiar among shopkeepers in the fact that he has to do very largely with shy and immature customers with an extreme and distinctive ignorance of most commercial things. They are for the most part short of cash, but with vague and often large probabilities of credit behind them, for most people, even quite straitened people, will pull their sons and daughters out of altogether unreasonable debts at the end of their university career; and so the Oxbridge shopkeeper becomes a sort of propagandist of the charms and advantages of insolvency. Alone among retailers he dislikes the sight of cash, declines it, affects to regard it as a coarse ignorant truncation of a budding relationship, begs to be permitted to wait. So the youngster just up from home discovers that money may stay in the pocket, be used for cab and train fares and light refreshments; all the rest may be had for the asking. Marjorie, with her innate hunger for good fine things, with her quite insufficient pocket-money, and the irregular habits of expenditure a spasmodically financed, hard-up home is apt to engender, fell very readily into this new, delightful custom of having it put down (whatever it happened to be). She had all sorts of things put down. She and the elder Carmel girl used to go shopping together, having things put down. She brightened her rooms with colour-prints and engravings, got herself pretty and becoming clothes, acquired a fitted dressing-bag already noted in this story, and one or two other trifles of the sort, revised her foot-wear, created a very nice little bookshelf, and although at times she felt a little astonished and scared at herself, resolutely refused to estimate the total of accumulated debt she had attained. Indeed until the bills came in it was impossible to do that, because, following the splendid example of the Carmel girl, she hadn't even inquired the price of quite a number of things....