The way the money went so soon, was this. Gerald's man-servant in chambers, just as glad as his master to get a respite from troublesome creditors, who went well nigh to wear his patience out, informed one of that ill-used body of men where Mr. Gerald Yorke had gone, on the very day following the departure--"Cruising over the sea in a lord's yacht to foreign parts, and likely to be away till winter." Of course this struck the applicant dumb. He happened to know that Gerald Yorke had a wife and family in town, and he set himself forthwith to learn their address; which he found not very difficult of accomplishment. His own debt was not a very heavy one, rather short of six pounds. Down he went, demanded an interview with Mrs. Yorke, and so scared her senses away by insisting upon instant payment there and then, that Winny handed out the money. Other creditors got to know of this; they went down too, and insisted upon the same prompt payment on their score. Winny had many virtues no doubt, but there was one she could certainly not boast of--courage. In all that related to debt and its attendant annoyances, she was timid as a fawn. To be pressed for an account and not pay it if she had the money in her possession, was simply impossible to Winifred Yorke. But this I think has been hinted at before. When the last fraction of the twenty-five pounds had left her (in a payment of four pounds ten to a stern-looking, but by no means abusive man). Winny burst into tears: saying aloud she did not expect her husband home for weeks, did not know where to write to him, and had not a sixpence left for herself and her poor little children. Upon that the man put the half-sovereign back into Mrs. Yorke's hand without a word, and departed. So there was Winny, literally without a sixpence, save for this ten shillings, and Gerald not quite two weeks gone. But for Hamish Channing and his wife, she might really have starved; most certainly she would have been turned out of doors; for the landlady, nearly tired of Mr. Gerald Yorke's uncertain finances, had never kept her. Miss Cook said she could not afford to let rooms and get no rent; and no doubt that was true. Away went Winny with her grief and helplessness to Mrs. Channing. It was an awkward dilemma, an embarrassing appeal, and Ellen Channing felt it as such. On the one hand there was this poor helpless woman, and her not much more helpless children: on the other, Ellen was aware that Hamish had already aided her far more extensively than he could afford.