were not such friends as he had promised himself when he was younger. Fathers, guardians, and the race of old friends generally, hardly ever give sufficient credit to the remorse which young men themselves feel when they gradually go astray. They see the better as plainly as do their elders, though they so often follow the worse,--as not unfrequently do the elders also. Ralph Newton passed hardly a day of his life without a certain amount of remorse in that he had not managed himself better than he had done, and was now doing. He knew that Fortune had been very good to him, and that he had hitherto wasted all her gifts. And now there came the question whether it was as yet too late to retrieve the injury which he had done. He did believe,--not even as yet doubting his power to do well,--that everything might be made right, only that his money difficulties pressed him so hardly. He took pen and paper, and made out a list of his debts, heading the catalogue with Mr. Horsball of the Moonbeam. The amount, when added together, came to something over four thousand pounds, including a debt of three hundred to his brother the parson. Then he endeavoured to value his property, and calculated that if he sold all that was remaining to him he might pay what he owed, and have something about fifty pounds per annum left to live upon till he should inherit his uncle's property. But he doubted the accuracy even of this, knowing that new and unexpected debts will always crop up when the day of settlement arrives. Of course he could not live upon fifty pounds a year. It would have seemed to him to be almost equally impossible to live upon four times fifty pounds. He had given Sir Thomas a promise that he would not raise money on post-obits on his uncle's life, and hitherto he had kept that promise. He thought that he would be guilty of no breach of promise were he so to obtain funds, telling Sir Thomas of his purpose, and asking the lawyer's assistance; but he knew that if he did this all his chance of future high prosperity would be at an end. His uncle might live these twenty years, and in that time he, Ralph, might quite as readily die. Money might no doubt be raised, but this could only be done at a cost which would be utterly ruinous to him. There was one way out of his difficulty. He might marry a girl with money. A girl with money had been offered to him, and a girl, too, who was very pretty and very pleasant. But then, to marry the daughter of a breeches-maker!