'Well, sir,' the landlord went on after a short and pensive pause, 'old Mr. Oswald's business ain't never been a prosperous one--though he was such a clover hand at figgers, he never made it remunerative; a bare livin' for the family, I don't mind sayin'; and he always spent more'n he ought to 'a done on Mr. Harry, and on the young lady too, sir, savin' your presence. So when Mr. Harry was goin' to Oxford to college, he come to me, and he says to me, "Mr. Legge," says he, "it's a very expensive thing sending my boy to the University," says he, "and I'm going to borrow money to send him with." "Don't you go a-doin' that, Mr. Oswald," says I; "your business don't justify you in doin' it, sir," says I. For you see, I knowed all the ins and outs of that there business, and I knowed he hadn't never made more'n enough just to keep things goin' decent like, as you may say, without any money saved or put by against a emergence. "Yes, I will, Mr. Legge," says he; "I can trust confidentially in my son's abilities," says he; "and I feel confidential he'll be in a position to repay me before long." So he borrowed the money on an insurance of Mr. Harry's life. Mr. Harry he always acted very honourable, sir; he was a perfect gentleman in every way, as YOU know, sir; and he began repayin' his father the loan as fast as he was able, and I daresay doin' a great deal for the family, and especially for the young lady, sir, out of his own pocket besides. But he still owed his father a couple of hundred pound an' more when this causality happened, while the business, I know, had been a-goin' to rack and ruin for the last three year. To-day I seen the agent of the insurance, and he says to me, "Legge," says he, most private like, "this is a bad job about young Oswald, I'm afeard, worse'n they know for." "Why, sir?" says I. "Well, Legge," says he, "they'll never get a penny of that there insurance, and the old gentleman'll have to pay up the defissit on his own account," says he. "How's that, Mr. Micklethwaite?" says I. "Because," says he, "there's a clause in the policy agin exceptional risks, in which is included naval and military services, furrin residences, topical voyages, and mountain-climbin'," says he; "and you mark my words," says he, "they'll never get a penny of it." In which case, sir, it's my opinion that old Mr. Oswald'll be clean broke, for he can't never make up the defissit out of his own business, can he now?' Ernest listened with sad forebodings to the red-faced landlord's pitiful story, and feared in his heart that it was a bad look-out for the poor Oswalds. He didn't sleep much that evening, and next day he went round early to see Edie. The telegram he found would be a useless precaution, for the gossip of Calcombe Pomeroy had recognised him at once, and news had reached the Oswalds almost as soon as he arrived that young Mr. Le Breton was stopping that evening at the Red Lion.