The thing was put so delicately, in such an ordinary manner, as if it were a mere business arrangement, that at first Hilary hardly perceived all it implied. When she did--when she found that it was in plain terms a gift or loan of eighty pounds offered by a person almost a stranger, she was at first quite bewildered. Then (ah! let us not blame her if she carried to a morbid excess that noble independence which is the foundation of all true dignity in man or woman) she shrunk back into herself, overcome with annoyance and shame. At last she forced herself to say, though the words came out rather coldly. "You are very good, and I am exceedingly obliged to you; but I never borrowed money in my life. It is quite impossible." "Very well; I can understand your feelings. I beg your pardon," replied Miss Balquidder, also somewhat coldly. They sat silent and awkward, and then the elderly lady took out a pencil and began to make calculations in her memorandum book. "I am reckoning what is the largest sum per month that you could reasonably be expected to spare, and how you may make the most of what remains. Are you aware that London lodgings are very expensive? I am thinking that if you were to exchange out of the Kensington shop into another I have at Richmond, I could offer you the first floor above it for much less rent than you pay Mrs. Jones; and you could have your sister living with you." "Ah! that would make us both so much happier! How good you are!" "You will see I only wish to help you to help yourself; not to put you under any obligation. Though I can not see any thing so very terrible in your being slightly indebted to an old woman, who has neither chick nor child, and is at perfect liberty to do what she likes with her own." There was a pathos in the tone which smote Hilary into quick contrition. "Forgive me! But I have such a horror of borrowing money--you must know why after what I have told you of our family. You must surely understand--" "I do fully; but there are limits even to independence. A person who, for his own pleasure, is ready to take money from any body and every body, without the slightest prospect or intention of returning it, is quite different from a friend who in a case of emergency accepts help from another friend, being ready and willing to take every means of repayment, as I knew you were, and meant you to be. I meant, as you suggested, to stop out of your salary so much per month, till I had my eighty pounds sate back again." "But suppose you never had it back? I am young and strong; still I might fall ill--I might die, and you never be repaid." "Yes, I should," said Miss Balquidder, with a serious smile. "You forget, my dear bairn, 'Inasmuch as ye have done it to one of these little ones, ye have done it unto ME.' 'He that giveth to the poor lendeth to the LORD.' I have lent Him a good deal at different times, and He has always paid me back with usury."