This letter put Miss Mackenzie into a twitter. Like all other single ladies, she was very nervous about her money. She was quite alive to the beauty of a high rate of interest, but did not quite understand that high interest and impaired security should go hand in hand together. She wished to oblige her brother, and was aware that she had money as to which her lawyers were looking out for an investment. Even this had made her unhappy, as she was not quite sure whether her lawyers would not spend the money. She knew that lone women were terribly robbed sometimes, and had almost resolved upon insisting that the money should be put into the Three per Cents. But she had gone to work with figures, and having ascertained that by doing so twenty-five pounds a year would be docked off from her computed income, she had given no such order. She now again went to work with her figures, and found that if the loan were accomplished it would add twenty-five pounds a year to her computed income. Mortgages, she knew, were good things, strong and firm, based upon landed security, and very respectable. So she wrote to her lawyers, saying that she would be glad to oblige her brother if there were nothing amiss. Her lawyers wrote back, advising her to refer Mr Rubb, junior, to them. On the day named in her brother's letter, Mr Samuel Rubb, junior, arrived at Littlebath, and called upon Miss Mackenzie in the Paragon. Miss Mackenzie had been brought up with contempt and almost with hatred for the Rubb family. It had, in the first instance, been the work of old Samuel Rubb to tempt her brother Tom into trade; and he had tempted Tom into a trade that had not been fat and prosperous, and therefore pardonable, but into a trade that had been troublesome and poor. Walter Mackenzie had always spoken of these Rubbs with thorough disgust, and had persistently refused to hold any intercourse with them. When, therefore, Mr Samuel Rubb was announced, our heroine was somewhat inclined to seat herself upon a high horse.