The letter of business was from her brother Tom, and contained an application for the loan of some money,--for the loan, indeed, of a good deal of money. But the loan was to be made not to him but to the firm of Rubb and Mackenzie, and was not to be a simple lending of money on the faith of that firm, for purposes of speculation or ordinary business. It was to be expended in the purchase of the premises in the New Road, and Miss Mackenzie was to have a mortgage on them, and was to receive five per cent for the money which she should advance. The letter was long, and though it was manifest even to Miss Mackenzie that he had written the first page with much hesitation, he had waxed strong as he had gone on, and had really made out a good case. "You are to understand," he said, "that this is, of course, to be done through your own lawyer, who will not allow you to make the loan unless he is satisfied with the security. Our landlords are compelled to sell the premises, and unless we purchase them ourselves, we shall in all probability be turned out, as we have only a year or two more under our present lease. You could purchase the whole thing yourself, but in that case you would not be sure of the same interest for your money." He then went on to say that Samuel Rubb, junior, the son of old Rubb, should run down to Littlebath in the course of next week, in order that the whole thing might be made clear to her. Samuel Rubb was not the partner whose name was included in the designation of the firm, but was a young man,--"a comparatively young man,"--as her brother explained, who had lately been admitted to a share in the business.