And they both knew that they could not hope to live in Malabar Cottage again--not, at all events, on the rent paid by the clergyman's wife. They had taken lodgings in a small house near the harbour, which, as Eve pointed out, was much more convenient for the shops; and, besides, they could now buy their fish out of the boats. This last theory she propounded with a grave assumption of housekeeping knowledge which did not fail to impress Captain Bontnor. The whole town knew of the captain's misfortune, and half the citizens of Somarsh shared in it. Only those who had saved nothing lost nothing, for Merton's was the only bank on the coast; and more than one old fisherman--bent with rheumatism, crippled by the hardships of a life spent half in the water, half on it--saw his savings--the fruit of long toilsome years--go to pay the London tradesmen a part of what young Merton owed them. It was the old, oft-repeated tale of over-education. A country banker's son sent to public school and university to be educated out of country banking and into nothing else. Captain Bontnor was quite penniless. During his long life he had saved nearly four thousand pounds, and this sum he had placed on deposit with the Somarsh bankers, living very comfortably on the interest. The whole of this was absorbed--a mere drop in the financial ocean. Mrs. Harrington had asked Eve to accept a dress allowance of forty pounds a year, and Eve accepted--for her uncle. Besides this she had a little ready money--the result of the sale of the contents of the Casa d'Erraha. A person who looked like a butler or a major-domo had gone over from Barcelona to Palma to attend this sale; and the local buyers laughed immoderately at him in their sleeves. He was, they opined, a mule--he did not know the value of things, and paid double for all he bought. But the proceeds of the sale did not amount to much. Eve knew that something must be done. The money would soon be exhausted, and they could not live on the dress allowance. Since the failure of the bank, Captain Bontnor's mental grasp had seemed less reliable than ever, and Eve had kept these things to herself. The captain's one servant--an aged female--who ruined his digestion and neglected her dusting, was prevailed upon to return to her people, and Eve and her uncle settled down to their restricted life in the lodgings which were so conveniently near the fishing harbour. The captain was too old to break off his habits of life, so he walked his quarter-deck tramp, backwards and forwards beneath the window on the clean pavement of the High Street, which broadened out to the harbour. He went down to meet the boats, where he was ever a welcome onlooker, and he never came back without fish for which no payment had been taken.