Altogether it was in a chastened mood that he made his appearance at Normanstand later in the afternoon. He was evidently expected, for he was shown into the study without a word. Here Miss Rowly and Stephen joined him. Both were very kind in manner. After the usual greetings and commonplaces Stephen said in a brisk, businesslike way: 'Have you the papers with you?' He took the bundle of accounts from his pocket and handed them to her. After his previous experience he would have suggested, had he dared, that he should see Stephen alone; but he feared the old lady. He therefore merely said: 'I am afraid you will find the amount very large. But I have put down everything!' So he had; and more than everything. At the last an idea struck him that as he was getting so much he might as well have a little more. He therefore added several good-sized amounts which he called 'debts of honour.' This would, he thought, appeal to the feminine mind. Stephen did not look at the papers at once. She stood up, holding them, and said to Miss Rowly: 'Now, if you will talk to Mr. Everard I will go over these documents quietly by myself. When I have been through them and understand them all I shall come back; and we will see what can be done.' She moved gracefully out of the room, closing the door behind her. As is usual with women, she had more than one motive for her action in going away. In the first place, she wished to be alone whilst she went over the schedule of the debts. She feared she might get angry; and in the present state of her mind towards Leonard the expression of any feeling, even contempt, would not be wise. Her best protection from him would be a manifest kindly negation of any special interest. In the second place, she believed that he would have her letter with the other papers, and she did not wish her aunt to see it, lest she should recognise the writing. In her boudoir, with a beating heart, she untied the string and looked through the papers. Her letter was not among them. For a few seconds she stood stock still, thinking. Then, with a sigh, she sat down and began to read the list of debts, turning to the originals now and again for details. As she went on, her wonder and disgust grew; and even a sense of fear came into her thoughts. A man who could be so wildly reckless and so selfishly unscrupulous was to be feared. She knew his father was a comparatively poor man, who could not possibly meet such a burden. If he were thus to his father, what might he be to her if he got a chance. The thought of what he might have been to her, had he taken the chance she had given him, never occurred to her. This possibility had already reached the historical stage in her mind. She made a few pencil notes on the list; and went back to the study. Her mind was made up.