heiress of the Hanburys, not the widow of a Lord Ludlow, of whom they and their forefathers knew nothing; and against whose memory, indeed, there rankled a dim unspoken grudge, the cause of which was accurately known to the very few who understood the nature of a mortgage, and were therefore aware that Madam’s money had been taken to enrich my lord’s poor land in Scotland. I am sure--for you can understand I was behind the scenes, as it were, and had many an opportunity of seeing and hearing, as I lay or sat motionless in my lady’s room, with the double doors open between it and the anteroom beyond, where Lady Ludlow saw her steward, and gave audience to her tenants,--I am certain, I say, that Mr. Horner was silently as much annoyed at the money that was swallowed up by this mortgage as any one; and, some time or other, he had probably spoken his mind out to my lady; for there was a sort of offended reference on her part, and respectful submission to blame on his, while every now and then there was an implied protest,--whenever the payments of the interest became due, or whenever my lady stinted herself of any personal expense, such as Mr. Horner thought was only decorous and becoming in the heiress of the Hanburys. Her carriages were old and cumbrous, wanting all the improvements which had been adopted by those of her rank throughout the county. Mr. Horner would fain have had the ordering of a new coach. The carriage-horses, too, were getting past their work; yet all the promising colts bred on the estate were sold for ready money; and so on. My lord, her son, was ambassador at some foreign place; and very proud we all were of his glory and dignity; but I fancy it cost money, and my lady would have lived on bread and water sooner than have called upon him to help her in paying off the mortgage, although he was the one who was to benefit by it in the end. Mr. Horner was a very faithful steward, and very respectful to my lady; although, sometimes, I thought she was sharper to him than to any one else; perhaps because she knew that, although he never said anything, he disapproved of the Hanburys being made to pay for the Earl Ludlow’s estates and state. The late lord had been a sailor, and had been as extravagant in his habits as most sailors are, I am told,--for I never saw the sea; and yet he had a long sight to his own interests; but whatever he was, my lady loved him and his memory, with about as fond and proud a love as ever wife gave husband, I should think.