His thoughts had been turned in her direction because he had been expecting for some time that she would be asking for credit, and he had seriously considered the matter as to what answer he should make. To trust people who had no assets and no income was, on the face of it, a very risky proceeding. On the other hand, Ruth Penlogan had such a sweet and winning face, and was altogether so good to look upon, that he felt he would have considerable difficulty in saying no to her. William was a man who was rapidly reaching the old age of youth, and so far had resisted successfully all the blandishments of the fair sex; but he had to own to himself that if he were thrown much in the company of Ruth Penlogan he would have to tighten up the rivets of his armour, or else weakly and ignominiously surrender. While the Penlogans lived at Hillside he knew very little of them. They did not deal with him, and he had no opportunity of making their acquaintance. But since they came to the cottage Ruth had often been in his shop to make some small purchase. He sold everything, from flour to hob nails and from calico to mouse traps, and Ruth had found his shop in this respect exceedingly convenient. It saved her from running all over the village to make her few purchases. William had been impressed from the first by her gentle ways and her refined manner of speech. She spoke with the tone and accent of the quality, and had he not been informed who she was he would have taken her for some visitor at one of the big houses. For two days William had watched with considerable interest for Ruth's appearance. He felt that it did him good to look into her sweet, serious eyes, and he had come to the conclusion that if she asked for credit he would not be able to say no. He might have to wait for a considerable time for his money, but after all money was not everything--the friendship of a girl like Ruth Penlogan was surely worth something. As the third morning, however, wore away, and Ruth did not put in an appearance, William--as we have seen--got a little anxious. And when his mother--who kept house for him--was able to take his place behind the counter, he took off his apron, put on his bowler hat, and stole away through the village in the direction of St. Ivel. The cottage stood quite alone, just over the boundary of St. Goram parish, and was almost hidden by a tall thorn hedge. As William drew near he noticed that the chimneys were smokeless, and this did not help to allay his anxiety. As he walked up to the door he noticed that none of the blinds were drawn, and this in some measure reassured him. He knocked loudly with his knuckles, and waited. After awhile he knocked again, and drew nearer the door and listened. A third time he knocked, and then he began to get a little concerned. He next tried the handle, and discovered that the door was locked.