Herresford allowed his daughter only sufficient for her personal needs, which were, naturally, rather extravagant, for she had been reared and had lived always in the atmosphere of wealth. Matters were further complicated by the fact that Mrs. Swinton, though she adored her husband, hated his parish cordially. She belonged to the aristocracy, and she had no thought of tearing herself from the life with which she was familiar, while her husband, on the contrary, doted on his parish and avoided, so far as he might, the company of the frivolous idlers who were his wife's companions. Husband and wife, therefore, agreed to differ, and to be satisfied with love. After their son was born, the wife drifted back to her old life, and was a most welcome figure in the gayest society. Yet, no scandal was ever associated with her name, and none sneered at her love for her husband. The rector, when he yielded to her persuasions and accompanied her on social excursions, was as welcome as she; and everybody proclaimed Mrs. Swinton a clever woman to be able to live two entirely-different lives at the same time, with neither overlapping. At forty, she was still young and beautiful, with a ripe maturity that only the tender crow's feet about the corners of the eyes betrayed to the inquisitive. She set the pace for many a younger woman, and was far more active than prim little Netty, her daughter. Needless to say, she was adored by her son, to whom she was both mother and chum. Dick Swinton was like his father, the same gentlemanly spirit combined with a somewhat unpractical mind, which turned to the beautiful and the good, and refused to admit the ugliness of unpleasant facts. Indeed, the young man's position was even more awkward than his father's. As grandson and heir of Richard Herresford much was expected of him. Everybody did not know that the rich old man was such a miser that, after paying for his grandson's education, at his daughter's persuasion, he allowed him only a thousand dollars a year, and persistently refused to disburse this sum until it was dragged from him by Mrs. Swinton. The rector turned over the leaves of the account-books, and sighed heavily. "It's no use," he cried, at last. "I can't make them up. They are in a hopeless muddle. I know, though, that I can't raise a thousand cents, much less a thousand dollars, and the builder threatens to make me bankrupt, if I don't pay at once." "Bankrupt, John!" his wife murmured, languidly raising her brows. "You are exaggerating."