She had had lovers in the West Indies,--perhaps a score of them, but they had been nothing to her. Her father's house had been so constituted that it had been impossible for her to escape the very plainly spoken admiration of captains, lieutenants, and Colonial secretaries. In the West Indies gentlemen do speak so very plainly, on, or without, the smallest encouragement, that ladies accept such speaking much as they do in England the attention of a handkerchief lifted or an offer for a dance. It had all meant nothing to Mary Bonner, who from her earliest years of girlhood had been accustomed to captains, lieutenants, and even to midshipmen. But, through it all, she had grown up with serious thoughts, and something of a conviction that love-making was but an ugly amusement. As far as it had been possible she had kept herself aloof from it, and though run after for her beauty, had been unpopular as being a "proud, cold, meaningless minx." When her father died she would speak to no one; and then it had been settled among the captains, lieutenants, and Colonial secretaries that she was a proud, cold, meaningless minx. And with this character she left the island. Now there came to her, naturally I say, this question;--What lovers might she find in England, and, should she find lovers, how should she deal with them? There are among us many who tell us that no pure-minded girl should think of finding a lover,--should only deal with him, when he comes, as truth, and circumstances, and parental control may suggest to her. If there be girls so pure, it certainly seems that no human being expects to meet them. Such was not the purity of Mary Bonner,--if pure she was. She did think of some coming lover,--did hope that there might be for her some prosperity of life as the consequence of the love of some worthy man whom she, in return, might worship. And then there had come Ralph Newton the heir. Now to Mary Bonner,--as also to Clarissa Underwood, and to Patience, and to old Mrs. Brownlow, and a great many others, Ralph the heir did not appear in quite those colours which he probably will in the reader's eyes. These ladies, and a great many other ladies and gentlemen who reckoned him among their acquaintance, were not accurately acquainted with his transactions with Messrs. Neefit, Moggs, and Horsball; nor were they thoroughly acquainted with the easy nature of our hero's changing convictions. To Clarissa he certainly was heroic; to Patience he was very dear; to old Mrs. Brownlow he was almost a demigod; to Mr. Poojean he was an object of envy. To Mary Bonner, as she first saw him, he was infinitely more fascinating than the captains and lieutenants of West Indian regiments, or than Colonial secretaries generally.