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'There's no judging from her joyous surface, but I have thought him looking more careworn and anxious than I liked. Mr. Dutton, don't answer if I ought not to ask, but is it true that things are going wrong? I know you have been seeing Mr. Greenleaf, so perhaps you are in his confidence and cannot speak.'

'Tell me, what is known or suspected?'

'Just this, that Mr. Goodenough has been the ruin of the concern. He has been quite different ever since his voyage to America. You were gone, old Mr. Greenleaf has been past attending to business ever since he had that attack, and George Greenleaf has been playing the country squire at Horton Bishop, and not looking after the office work, and Mr. Egremont was inexperienced. One could see, of course, that the whole character of the business was changed--much more advertising, much more cheap and flashy work--to be even with the times, it was said, but the old superior hands were in despair at the materials supplied to them, and the scamped work expected. You should have heard old Thorpe mourning for you, and moralising over the wickedness of this world. His wife told me she really thought he would go melancholy mad if he did not leave the factory, and he has done so. They have saved enough to set up a nice little shop at Monks Horton.'

'I must go and see them! Good old Thorpe! I ought never to have put those poor young things into the firm when I ceased to have any control over it. I shall never forgive myself--'

'Nothing could seem safer then! No one could have guessed that young Mr. Greenleaf would be so careless without his father to keep him up to the mark, nor that Mr. Goodenough should alter so much. Is it very bad? Is there worse behind? Speculation, I suppose--'

'Of course. I do not see to the bottom of it yet; poor George seemed to reckon on me for an advance, but I am afraid this is more than a mere temporary depression, such as may be tided over, and that all that can be looked to is trying to save honourable names by an utter break up, which may rid them of that--that--no, I won't call him a scoundrel. I thought highly of him once, and no doubt he never realised what he was doing.'

Before the evening was far advanced Mark Egremont knocked at the door, and courteously asked whether Mr. Dutton could be spared to him for a little while. Mary Nugent replied that she was just going to help Miss Headworth to bed, and that the parlour was at their service for a private interview, but Mark answered, 'My wife is anxious to hear. She knows all that I do, and is quite prepared to hear whatever Mr. Dutton may not object to saying before her.'

So they bade good-night to Mary, and went on together to the next house, Mr. Dutton saying 'You have much to forgive me, Mr. Egremont; I feel as if I had deserted the ship just as I had induced you to embark in it.'

'You did not guess how ill it would be steered without you,' returned Mark, with a sigh. 'Do not fear to speak out before my wife, even if we are sinking. She will hear it bravely, and smile to the last.'

The room which Mr. Dutton entered was not like the cabin of a sinking ship, nor, as in his own time, like the well-ordered apartment of a bachelor of taste. Indeed, the house was a great puzzle to Monsieur, who entered by invitation, knowing his way perfectly, thinking himself at home after all his travels, and then missing his own particular mat, and sniffing round at the furniture. It was of the modified aesthetic date, but arranged more with a view to comfort than anything else, and by the light of the shaded lamp and bright fire was pre-eminently home-like, with the three chairs placed round the hearth, and bright-haired Annaple rising up from the lowest with her knitting to greet Mr. Dutton, and find a comfortable lair for Monsieur.

'Miss Nugent says that you set everything right that you do but look at, Mr. Dutton,' she said; 'so we are prepared to receive you as a good genius to help us out of our tangle.'

Mr. Dutton was afraid that the tangle was far past unwinding, and of course the details, so far as yet known, were discussed. There was, in truth, nothing for which Mark could be blamed. He had diligently attended to his office-work, which was mere routine, and, conscious of his own inexperience, and trusting to the senior partners, he had only become anxious at the end of the year, when he perceived Goodenough's avoidance of a settlement of accounts, and detected shuffling. He had not understood enough of the previous business to be aware of the deterioration of the manner of dealing with it, though he did think it scarcely what he expected. If he had erred, it was in acting too much as a wheel in the machinery, keeping his thoughts and heart in his own happy little home, and not throwing himself into the spirit of the business, or the ways of those concerned in it, so that he had been in no degree a controlling power. He had allowed his quality of gentleman to keep him an outsider, instead of using it to raise the general level of the transactions, so that the whole had gone down in the hands of the unscrupulous Goodenough.

Annaple listened and knitted quietly while the affairs were explained on either hand. Mark had had one serious talk with George Greenleaf, and both had had a stormy scene with Goodenough. Then Mr. Dutton had telegraphed his arrival, and Greenleaf had met him in London, with hopes, bred of long and implicit trust, that his sagacity and perhaps his wealth would carry the old house through the crisis.

But Mr. Dutton, though reserving his judgment till the books should have been thoroughly examined and the liabilities completely understood, was evidently inclined to believe that things had gone too far, and that the names of Greenleaf and Egremont could only be preserved from actual dishonour by going into liquidation, dissolving partnership, and thus getting quit of Goodenough.

Mark listened resignedly, Annaple with an intelligence that made Mr. Dutton think her the more clearheaded of the two, though still she could not refrain from her little jokes. 'I'm sure I should not mind how liquid we became if we could only run off clear of Goodenough,' she said.

'You know what it means?' said her husband.

'Oh yes, I know what it means. It is the fine word for being sold up. Well, Mark, never mind, we are young and strong, and it will not be a bit the worse for the Billy-boy in the end to begin at the bottom of everything.'

'I hope--may I ask--is everything embarked in the poor old firm?' said Mr. Dutton with some hesitation.

'All that is mine,' said Mark, with his elbow on the table and his chin on his hand.

'But I've got a hundred a year, charged on poor old Ronnisglen's estate,' said Annaple. 'All the others gave theirs up when they married, and I wanted to do so, but my dear mother would not let me; she said I had better try how I got on first. Think of that, Mark, a hundred a year! Why, old Gunner or Thorpe would think themselves rolling in riches if they only heard that they had a hundred a year!'

'You won't find it go far!'

'Yes, I shall, for I shall make you live on porridge, with now and then a sheep's head for a treat! Besides, there will be something to do. It will be working up again, you know. But seriously, Mr. Dutton, I have some things here of my dear mother's that really belong to Ronnisglen, and I was only keeping till he comes home. Should not they be got out of the way?'

'My dear, we are not come to that yet! I hope it may be averted!' cried Mark.

But Mr. Dutton agreed with the young wife that it would be much better to send these things away before their going could excite suspicion. There was only a tiny silver saucepan, valued as a gift of 'Queen' Clementina to an ancestress, also a silver teapot and some old point, and some not very valuable jewellery, all well able to go into a small box, which Mr. Dutton undertook to deposit with Lord Ronnisglen's bankers. He was struck with the scrupulous veracity with which Annaple decided between what had become her own property and the heirlooms, though what she claimed might probably be sacrificed to the creditors.

Mark could hardly endure to see what made the crisis so terribly real. 'That I should have brought you to this!' he said to his wife, when their visitor had at length bidden them good-night.