"Indeed I think he is," said Lady Wharton, with a little laugh, "and I am to be envied, too, for having a husband so amiably inclined. But he is altogether too easy and careless in money matters; when he wishes for a thing, he will promise anything, consent to anything, sign anything, so long as he gets it. He is really like a child in these matters, and having made up my mind that he was not to be worried, I opened a letter which you wrote to him, and I replied to it. Now, Mr. Boyd, it was from that letter that I learned, for the first time, that Lord Wharton was in your debt." "Indeed, my lady." "Yes, indeed. I was not astonished. Nothing that Lord Wharton does astonishes me. He can get through a great deal of money. So can I. He is extravagant. So am I. What are you to do, Mr. Boyd, when you have been brought up to it?" "Nothing but spend," said Samuel Boyd. "You are a man of sense. We can do nothing but spend--and between you and me, Mr. Boyd"--here she laughed long and heartily--"we _do_ spend. Why not, when we can afford it?" "Why not, indeed?" murmured Mr. Boyd, in ready acquiescence. "But rich as people may be they are sometimes in need of ready money, and that, I suppose, is where gentlemen of your profession come in. Having now, in a manner of speaking, cleared the ground, we can go on easily. There are bills coming due." "There are, my lady." "I asked you in a letter what they amounted to; you answered, twelve thousand pounds. Now, Mr. Boyd, I should not like you to think that I want to take advantage of you." "Thank you, my lady. I have been taken in so often that I am almost beginning to despair of human nature."