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    Hester, A Story of Contemporary Life: All Volumes
    Hester, A Story of Contemporary Life: All Volumes
    Hester, A Story of Contemporary Life: All Volumes
    Ebook670 pages12 hours

    Hester, A Story of Contemporary Life: All Volumes

    By Margaret Oliphant

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    About this ebook

    Margaret Oliphant was a 19th century author best known for writing supernatural fiction, and one of her works that has recently seen a revival of interest is Hester, which she wrote in the 1880s. 
    LanguageEnglish
    PublisherCharles River Editors
    Release dateMar 22, 2018
    ISBN9781508001379
    Hester, A Story of Contemporary Life: All Volumes

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      Hester, A Story of Contemporary Life - Margaret Oliphant

      1

      CHAPTER I.

      VERNON’S.

      The Banking House of the Vernons was known through all the Home Counties as only second to the Bank of England in stability and strength. That is to say, the people who knew about such matters, the business people, the professional classes, and those who considered themselves to be acquainted with the world, allowed that it ought to be considered second: but this opinion was not shared by the greater proportion of its clients, the shopkeepers in Redborough and the adjacent towns, the farmers of a wide district, and all the smaller people whose many united littles make up so much wealth. To them Vernon’s bank was the emblem of stability, the impersonation of solid and substantial wealth. It had risen to its height of fame under John Vernon, the grandfather of the present head of the firm, though it had existed for two or three generations before him. But John Vernon was one of those men in whose hands everything turns to gold. What the special gift is which determines this it is difficult to tell, but there can be little doubt that it is a special gift, just as it is a particular genius which produces a fine picture or a fine poem. There were wiser men than he, and there were men as steady to their work and as constantly in their place, ready for all the claims of business, but not one other in whose hands everything prospered in the same superlative way. His investments always answered, his ships always came home, and under his influence the very cellars of the banking-house, according to the popular imagination, filled with gold. At one period of his career a panic seized the entire district, and there was a run upon the bank, by which it was evident anybody else must, nay, ought, to have been ruined; but John Vernon was not ruined. It was understood afterwards that he himself allowed that he did not understand how he had escaped, and nobody else could understand it: but he did escape, and as a natural consequence became stronger and richer, and more universally credited than ever. His son after him had not the same genius for money, but at least he had the genius for keeping what he had got, which is next best.

      Edward Vernon, however, was not so fortunate in his family as in his affairs. He had two sons, one of whom died young, leaving a little daughter to be brought up by her grandfather; the other went wrong. Oh, never-ending family tragedy, never ending, still beginning, the darkest anguish that exists in the world! The younger son went wrong, and died also in his father’s lifetime, leaving a helpless little family of children, and a poor wife stupefied with trouble. She did her best, poor soul, to bring up her boy to ways the very opposite of those in which his father had stumbled and fallen, and it was supposed that he would marry his cousin Catherine Vernon, and thus unite once more all the money and prestige of the house. He too was John Vernon, and resembled the golden great-grandfather, and great things were hoped of him. He entered the bank in old Mr. Vernon’s time, and gave every promise of being a worthy successor as long as the senior partner, the head of the house, lived. But when the old gentleman died and John Vernon became in his turn the head of the house, there very soon appeared signs of change. In the first place the marriage with his cousin never came to pass; things had seemed to promise fairly so long as the grandfather with whom she lived was alive. But after, there was an immediate cooling of sentiment. Whose fault this was nobody knew. She said nothing on the subject even to her dearest friends; nor did he say anything; but he laughed and waved aside all questions as a man who could an if he would——. His mother, for her part, said a great deal. She ran between them like an excited hen, shaking her tail-feathers and cackling violently. What did they mean by it? What was it for? She asked her son how he could forget that if Catherine’s money went out of the business it would make the most extraordinary difference? and she bade Catherine remember that it would be almost dishonest to enrich another family with money which the Vernons had toiled for. Catherine, who was not by any means an ordinary girl, smiled upon her, perhaps a little sadly, and entered into no explanations. But her son, as was natural, scoffed at his mother. What should you know about the business? he said. Poor Mrs. Vernon thought she had heard enough of it to understand it, or at least to understand the intentions of those who understood it. But what is the use of a mother’s remonstrances? The new generation will please itself and take its way. She scolded and wept for years after, poor soul, in vain, and yet could never learn that it was in vain, but began anew day after day weeping, entreating, remonstrating, falling into nervous crises of passion a hundred and a hundred times over. How much better for her to have held her tongue! but how could she help it? She was not of that placid and patient nature which can be wise. And gradually things began to go badly with John. He married a young lady belonging to a county family, but with no money to keep up her pretensions. He had his stables full of horses and his house full of company. What is it all to come to? cried his poor, anxious, angry, disappointed, despairing mother, seeking opportunities to have a few words with him, to speak to him seriously, to remind him of his duty. To be sure she did a great deal more harm than good. She drew many a blow upon herself which she might have escaped had she been content to allow that his life had passed far beyond her guidance; but the poor lady would not be taught. And it was quite true what John Vernon said. It would take a long time, he told her, before a few horses and pleasant company would affect Vernon’s bank. As the head of that establishment he was expected to be hospitable, and keep almost open house; the country which trusted in him knew he could afford it. The Redborough people went further, and liked to see the confidence with which he spent his money. What could that do to Vernon’s? He had never lived up to his income yet, he believed. So he told his mother, who was never satisfied, and went on till the day of her death always seeking a few words with him—an opportunity of speaking seriously to her son. Poor mother! nothing went very well with her; perhaps she was not clever either at managing her children or her money. The partisans of the Vernons said so at least; they said so of all the wives that were not Vernons, but interlopers, always working harm. They said so also of Mrs. John, and there his mother thought they were not far wrong. But none of her children turned out very satisfactorily; the girls married badly; Edward, her younger son, went into the Church, and never was more than a vicar, and their money matters would not go right. Certainly she was not a fortunate woman. But she died, happily for her, before anything material happened to realise her alarms in respect to John.

      It is astonishing how money grows when it is in the way of growing—when it has got the genuine impulse and rolls every kindred atom near it, according to some occult law of attraction, into itself. But just as wonderfully as money grows does it melt away when the other—the contrary process—has begun. John Vernon was quite right in saying that the bank justified, nay, almost demanded, a certain amount of expenditure from its chief partner. And he was more, much more, than its chief partner. Catherine, though she was as deeply interested in it as himself, took no responsibility whatever—how should she, a girl who knew as much about money as her pony did? She took less interest, indeed, than in ordinary circumstances she would have done, for there was certainly something, whatever it might be, which had interrupted the natural intercourse between the two cousins. They were not at ease with each other like brother and sister, as everything suggested they ought to have been—not sufficiently at ease to consider their mutual interests together, as partners ought to have done. This, one of them at least thought, would have been ridiculous in any case. When his lawyers asked what Catherine thought on this or that subject, he laughed in their faces.

      What should she think? What should she know? Of course she leaves all that to me, he said. How can a girl understand banking business?

      But this did not satisfy the respectable firm of solicitors who advised the banker.

      Miss Vernon is not a girl any longer, said Mr. Pounce, who was its head; upon which John Vernon laughed, one of those offensive laughs with which a coarse-minded man waves the banner of his sex over an unmarried woman.

      No, he said, Catherine’s growing an old maid. She must look alive if she means to get a husband.

      Mr. Pounce was not a sentimentalist, and no doubt laughed sometimes too at the unfortunate women who had thus failed in the object of their life; but he respected Miss Vernon, and he was very doubtful of her cousin.

      Husband or no husband, I think she ought to be consulted, he said.

      Oh, I will take Catherine in my own hands, was the cousin’s reply.

      And thus life went on, very gay, fast, amusing, and expensive on one side; very quiet and uneventful on the other. John Vernon built himself a grand new house, in which there were all the latest improvements and scientific luxuries, which the most expensive upholsterers filled with the most costly furniture, and for which the skilfullest gardeners all but created ready-made trees and shrubberies. He filled it with fine company—names which the clerks at the bank felt were a credit to the establishment, and which the townsfolk looked upon with admiring awe: and there was nothing in the county to equal Mrs. John Vernon’s dresses and diamonds. What is all that to a great bank, gathering money every hour?—nothing! Even Mr. Pounce acknowledged this. Personal extravagance, as long as it is merely hospitality and show, must go a very long way indeed before it touches the great revenue of such a business. It was not the diamonds nor the feasts that they were afraid of. But to be lavish with money is a dangerous fault with a man who is a business man. It is a very common sin, but there is nothing more perilous. In Manchester or Liverpool, where they turn over a fortune every day, perhaps this large habit of sowing money about does not matter. People there are accustomed to going up and down. Bankruptcy, even, does not mean the end of the world in these regions. But a banker in a country town, who has all the money of a district in his hands, should not get into this reckless way. His clients are pleased—up to a certain limit. But when once the first whisper of suspicion has been roused it flies fast, and the panic with which rural depositors rush upon a bank which has awakened the ghost of an apprehension, is even more cruel and unreflecting than other panics. It went on a long time, and where it was that the first suggestion came from, nobody ever knew. Probably it did not come from any one—it was in the air, it struck two people, all at once, talking to each other, and the electricity of the contact found a single syllable of utterance. When that was done, all was done. Everybody had been waiting for this involuntary signal; and when it came, it flew like lightning through all Redborough, and out into the roads and lanes—to distant farmhouses, into the rectories and vicarages, even to the labourer’s cottage. It’s said as Vernon’s bank’s a-going to break, the ploughmen in the fields said to each other. It did not matter much to them; and perhaps they were not sorry that the farmer, who grew fat (they thought) on their toil, should feel that he was also human. The farmers had something of the same feeling in respect to their landlords, but could not indulge it for the furious terror that took possession of themselves. Vernon’s bank! Safer than the Bank of England, was what they had all said exultingly. Very few of them had sufficient command of themselves to wait now and inquire into it and see how far the panic was well founded. To wait would have been to leave the chance of salvation to other men.

      Mrs. John Vernon was considered very refined and elegant according to the language of the day, a young lady with many accomplishments. But it was the fashion of the time to be unpractical just as it is the fashion of our time that women should understand business and be ready for any emergency. To wear your hair in a high loose knot on the top of your head, with ringlets straying down your cheek, and across the always uncovered whiteness of your shoulders, and to sing the songs of Mr. Haynes Bayley, Oh no, we never mention her, or The Soldier’s Tear—could anything be more entirely inconsistent with business habits? Mrs. John would have considered it a slight to the delicacy of her mind to have been supposed to know anything about the bank; and when the head clerk demanded an audience at an unseasonable hour one summer evening she was entirely taken aback.

      Me! do you mean that it is me Mr. Rule wants to see? she asked of the servant in consternation.

      He did ask for master, ma’am, said the man, but as master’s from home he said he must see my lady. He looks very flustered. I’ll say that for him, he added.

      To be sure William had heard the whisper in the air, and was more or less gratified that Mr. Rule should be flustered; but as for his lady, she saw no connection whatever between Mr. Rule’s excitement and herself.

      I do not see what good I can do him, William; and it’s not an hour at which I ever receive people. I am sure I don’t know what he can want with me.

      It’s business, I think, ma’am, said the servant, with a little eagerness. He wanted immensely himself to know what it was, and it did not occur to him as possible that his mistress, so much more interested than he, should be without anxiety or concern.

      Business! said Mrs. John, what do I know about business? However, she added, if he is so desirous, perhaps you had better show him up. Your master is always pleased when I pay a little attention to the clerks. He says it does good.

      Yes, ma’am, said William.

      Being a reasonable human creature he was touched in spite of himself by the extraordinary sight of this poor, fine lady, sitting in her short sleeves on the edge of the volcano, and knowing nothing about it. It was too bad of master, William thought, if so be—— To leave the poor lady entirely in the dark so that she did not know no more than a baby what the clerk could want with her. William speculated, too, on his own circumstances as he went down stairs. If so be—— It was a good place, and he would be sorry to lose it. But he remembered that somebody had said the Sandersons were looking out for a butler.

      Mrs. Vernon will see you, sir, he said in the midst of these thoughts; and Mr. Rule followed him eagerly up stairs.

      But what could Mrs. John do? Her dress was spotted muslin, as most dresses were in those days; it was cut rather low on the shoulders, though she was not dressed for company. She had pretty little ringlets falling upon her cheeks, and short sleeves, and a band round her waist with a shining clasp. She was considered brilliant in conversation, and sang, We met, ‘twas in a crowd, and the songs previously mentioned, with so much feeling that people had been known to weep as they listened. The clerk had heard of all these accomplishments, and as he hurried in, his eye was caught by the harp in its corner, which was also one of the fashions of the time. He could not help being a little overawed by it, notwithstanding his dreadful anxiety. Poor lady! the thought passed through his mind as similar thoughts had passed through William’s—Would all this be sold away from her? White muslin dresses with low necks have the advantage that they quite seem to separate their wearers from everyday life. We have no doubt that the dying out of chivalry, and the way in which women nowadays insist on doing their own business, and most likely other people’s too, is in great part to be put down to high dresses and long sleeves. In these habiliments a lady looks not so very much different from other people. She feels herself free to go into common life. But Mrs. John sat there helpless, ignorant, quite composed and easy in her mind, with pretty feet in sandalled slippers peeping from under her dress. Mr. Rule had time for all this distressed, regretful sympathy before he could stammer out in a hurry his anxious question—or rather his hope—that Mr. Vernon would be home to-morrow—early?

      I am sure I don’t know, said Mrs. John. It would be scarcely worth his while to go away if he was to be back so soon. He said perhaps to-morrow, but more likely next week.

      Next week! cried Mr. Rule; then he may just as well stay away altogether; it will then be too late.

      Dear me! said Mrs. John, politely, willing to show an interest; but she did not know what more to say.

      Perhaps you know where he is, ma’am? said the anxious clerk: for this was the time when people said ma’am. We might send an express after him. If he were here, things might still be tided over. Excuse me, Mrs. Vernon, but if you can give me any information——

      Dear me, said Mrs. John, my husband was going to London, I think. Is it about business, or anything I may know?

      All the world will know to-morrow, cried the agitated clerk, unless you can give me some assistance. I don’t like to trouble a lady, but what can I do? Mrs. Vernon, to-morrow is market day, and as sure as that day comes if he is not here to make some provision for it, we shall have a run on the bank.

      A run on the bank! said Mrs. John, dismayed. What does that mean?

      It means that we shall have to pay every note that is presented us in gold: and that everybody will rush upon us with our notes in their hands: and all the people who have deposit accounts will withdraw their money. It means Ruin, said Mr. Rule, very much flustered indeed, wiping the perspiration from his brow. He had an account himself, and a considerable sum to his credit. Oh, the fool he had been to let it lie there instead of investing it! but then, he had been waiting for a good investment, and in the meantime, Vernon’s was as safe, safer than the Bank of England. He had believed that till to-day.

      Mrs. John sat looking at him with bewildered eyes.

      I don’t understand, she said. The bank of course is for that, isn’t it? I never understand how you do it, she added, with a little of the sprightliness for which she was distinguished. It has always been a mystery to me what good it can do you to take all the trouble of paying people’s bills for them, and locking up their money, and having all that responsibility; but I cannot deny that it seems to answer, she concluded with a little simper.

      The harassed clerk looked at her with a pity that was almost tragic. If she had not been so handsome and so fine, and surrounded with all these luxuries, it is very likely he would have been impatient, and considered her a fool.

      He replied gently—

      I dare say, ma’am, it is difficult for you to form an idea of business; but I am almost forgetting, sitting talking to you, how dreadfully serious it is. If I knew where Mr. Vernon was, I would send a post-chaise directly. We are lost if he is not here. They will say—God knows what they may not say. For God’s sake, ma’am, tell me how I am to find him?

      Indeed, Mr. Rule, I am very, very sorry. If I had known! but I rather encouraged him to go. He was looking so poorly. He was going to town, I am sure—first: and then perhaps to Bath: or he might go across to France. He has been talking of that. France—yes, I suggested it. He has never been on the Continent. But now I think of it, I don’t think he will go there, for he said he might be home to-morrow—though more likely next week.

      It seems very vague, said Mr. Rule, looking at her with a steady look that began to show a gleam of suspicion; but this was entirely out of place. Mrs. John answered lightly without any perception even of what he could mean.

      Oh yes, it was vague! it is so much better not to be tied down. I told him he ought to take me; but it was settled in a hurry, he was feeling so poorly.

      Then he has forsaken us! cried the clerk in a terrible voice, which shook even her obtuse perceptions. She gazed at him with a little glow of anger.

      Forsaken you! Dear me, surely a little holiday never can matter. Why, the servants could go on without me for a time. It would never come into Mr. Vernon’s head that you could not manage by yourselves even for a single day.

      The clerk did not answer; it was all such a terrible muddle of ignorance and innocence, and perhaps of deep and deliberate guilt. But anyhow, there was the result beyond all uncertainty. The bank must come down. Vernon’s, which it had taken the work of generations to build up; Vernon’s, which was safer than the Bank of England. Mr. Rule had been a clerk there, man and boy, for about twenty years. He had been one of old Mr. Vernon’s staff. He had a pride in the bank as if it had been his own. To give up Vernon’s to destruction seemed more than giving himself up. But what could the clerks do without the principal? A lieutenant may fight his ship if the captain fails, or a subaltern replace his leader, but what can the clerks do without the head of the establishment? And he had no authority to act even if he had known how to act; and every two or three minutes there would come across him a poignant recollection of his own deposit. Oh, the Alnaschar hopes he had built upon that little fortune, the ways in which it was to serve him! He tried honestly, however, to put it away from his mind.

      We could have done well enough on an ordinary occasion, he said, and Mr. Vernon generally settles everything before he goes; but I thought he was only absent for the day. Mrs. Vernon, he cried, suddenly, can’t you help us? can’t you help us? It will be ruin for you too.

      She stared at him for a moment without speaking, and then—

      You make me quite wretched. I don’t understand. I have only a little money in the house. Would that do any good? she said.

      How much have you? said the clerk in his trouble.

      She ran to a pretty ornamental desk and opened it nervously.

      I dare say there may be about twenty pounds, she said.

      He laughed loudly, harshly, a laugh that seemed to echo through the large, unoccupied room.

      If it were twenty thousand it might do something, he said.

      Sir! said Mrs. John Vernon, standing in a fine attitude of displeasure by her desk, holding it open with one hand. She looked like a picture by Sir Thomas Lawrence, her scarf, for she wore a scarf, hanging half off her pretty white shoulders, caught upon one equally white arm, her ringlets waving on her cheek. His laugh was rude, and then he was only a clerk. She was all angry scorn from the high knot of brown hair on the top of her head to the point of her sandalled shoe.

      Poor Mr. Rule was as penitent as man could be. He was shocked beyond measure by his own brutality. He had forgotten himself—and before a lady! He made the most abject apologies.

      But my interest in the bank will, I hope, be some excuse. I feel half distracted, he said; and he added, as he backed out at the door with painful bows, Perhaps, ma’am, if you can think of any means of communicating with Mr. Vernon, you would let me know; or I will call later, if we could send an express; nothing is too much for the chance of having him back to-morrow.

      Well, said the lady, you are strange managers, I must say, that cannot get on without my husband one day.

      It is not that, ma’am; it is not that.

      I don’t know what it is. I begin to think it is only making a fuss, Mrs. John said.

      CHAPTER II.

      MISS CATHERINE.

      Poor Mr. Rule rushed out into the night in a state of despair. It was a summer night, and the streets of Redborough were still full of the murmur of life and movement. He came down from the slope on which Mr. John Vernon’s grand new house was situated, into the town, turning over everything that it was possible to do. Should he go to the Old Bank, the life-long rival of Vernon’s, and ask their help to pull through? Even such a humiliation he would have endured had there been any chance of success. Should he go to the agent of the Bank of England? He could not but feel that it was quite doubtful whether between them they could make up enough to meet the rush he expected; and were they likely to do it? Would not the first question be, Where is Mr. Vernon? And where was Mr. Vernon? Perhaps gone to Bath; perhaps to France, his wife said. Why should he go to France without letting any one at the bank know, saying he was only to be absent for a day? There was no telegraph in those days, and if he confided Mr. Vernon’s story to the other banks, what would they think of him? They would say that Vernon was mad, or that he had—gone away. There could be no doubt of what they would say. Rule was faithful to his old service, and to the honour of the house which had trained him. He would say nothing about France or Bath. He would allow it to be understood that Mr. Vernon had gone to London to get the assistance necessary, and would come back in a post-chaise before the offices were open in the morning. And perhaps, he said to himself, perhaps it was so. God grant it might be so! Very likely he had not thought it necessary to enter into the matter to a lady. Poor thing, with her twenty pounds! that showed how much she knew of business; but it was very high-minded and innocent of her to offer all she had. It showed there was at least no harm in her thoughts. It gave a momentary ease to the clerk’s mind to think that perhaps this was what Mr. Vernon must mean. He must have known for some time how badly things were going, and who could tell that the sudden expedition of which he had made so little, only saying when he left the bank the day before I shall not be here to-morrow, who could tell that it was not to help to surmount the crisis, that he had gone away? Rule turned towards his own house under the solace of this thought, feeling that anyhow it was better to get a night’s rest, and be strong for whatever was to happen to-morrow. It would be a miserable to-morrow if Mr. Vernon did not bring help. Not only the bank that would go, but so many men with families that would be thrown upon the world. God help them! and that money which stood to his own credit, that balance of which two or three days before he had been so proud, to see it standing in his name on those well-kept beautiful books! All this hanging upon the chance that Mr. Vernon might have gone to town to get money! No, he could not go in, and sit down at the peaceful table where Mrs. Rule perhaps would be hemming a cambric ruffle for his shirt, or plaiting it delicately with her own fingers, a thing no laundress could do to please her—and the children learning their lessons. He felt sure that he could not rest; he would only make her anxious, and why should she be made anxious as long as he could keep it from her. It is difficult to say how it was that the first suggestion of a new possibility took hold of Mr. Rule’s mind. He turned away when he was within a stone’s throw of his own house, saying to himself that he could not go in, that it was impossible, and walked in the opposite direction, where he had not gone far until he came in sight of the bank, that centre of so many years’ hard work, that pride of Redborough, and of everybody connected with it. Vernon’s! To think that Ruin should be possible, that so dark a shadow could hover over that sacred place. What would old Mr. Vernon have said, he who received it from his father and handed it down always flourishing, always prosperous to—not to his son. If his son had lived, the eldest one, not he who had gone wrong, but the eldest, who was John too, called after his grandfather, he who was the father of—— It was at this point that Mr. Rule came to a dead stop, and then after a pause wheeled right round, and without saying another word to himself walked straight up Wilton Street, which as everybody knows was quite out of his way.

      The father of —— Yes, indeed, indeed, and that was true! The recollection which called forth this fervour of affirmation was a pleasant one. All the youth of Redborough at one time had been in love with Catherine Vernon. The bank clerks to a man adored her. When she used to come and go with her grandfather—and she did so constantly, bringing him down in the morning in her pony carriage, calling for him in the afternoon, running in in the middle of the day to see that the old gentleman had taken his biscuits and his wine—she walked over their hearts as she crossed the outer office, but so lightly, so smoothly, that the hearts were only thrilled, not crushed by her footfall, so firm and swift, but so airy as it was. She knew them all in the office, and would give her hand to the head clerk, and send a friendly glance all round, unaware of the harm she was doing to the hapless young men. But after all it was not harm. It was a generous love they felt for her, like the love of chivalry for a lady unapproachable. That young princess was not for them. None of them grew mad with foolish hopes, but they thought of her as they never thought of any one else. Mr. Rule was at the end of Wilton Street, just where it meanders out towards the edge of the common, before he took breath, and began to ask himself what Miss Vernon could do for him. Was not one lady enough to appeal to? She whom he had already seen had nothing for him—no help, no advice, not a suggestion even. And yet she was more closely connected with the bank than Catherine Vernon, who had disappeared from all visible connection with it at her grandfather’s death, notwithstanding that a great deal of her money was in it, and that she had in fact a right to be consulted as a partner. So it had been settled, it was said, by the old man in his will. But she had never, so far as anybody knew, taken up this privilege. She had never come to the bank, never given a sign of having any active interest in it. What then could she be expected to do? What could she do even if she wished to help them? Mr. Rule was aware that there was no very cordial feeling between her cousin’s house and hers. They were friends, perfectly good friends, but they were not cordial. While he turned over these thoughts in his mind, however, he walked on steadily and quickly without the least hesitation in his step. There was even a sort of exhilarated excitement in him, a sentiment quite different from that with which he had been disconsolately straying about, and painfully turning over possibilities, or rather impossibilities. Perhaps it was a half romantic pleasure in the idea of speaking to Miss Vernon again, but really there was something besides that, a sense of satisfaction in finding a new and capable mind to consult with at least, if no more.

      Miss Vernon lived in the house which her grandfather had lived in and his father before him. To reach it you had to make your way through the delta of little streets into which Wilton Street ran, and across a corner of the common. The Grange was an old house with dark red gables appearing out of the midst of a clump of trees. In winter you saw the whole mass of it, chiefly old bricks, though these were thrown up and made picturesque by the fact that the oldest part was in grey stone. Broad large Elizabethan windows glimmered, lighted up, through the thick foliage this evening; for by this time the summer night was beginning to get dark, and a good deal too late for a visit. Mr. Rule thought as he knocked at the door that it was very likely she would not see him. But this was not the case. When he sent in his name as the head clerk at the bank he was received immediately, and shown into the room with the Elizabethan windows where she was sitting. By this time she was of mature years, and naturally much changed from the young girl he had known. He had been one of the young clerks in the outer office, whom she would recognise with a friendly smiling look, and a nod of her head all round. Now, however, Miss Vernon came up to him, and held out her hand to Mr. Rule. You need not have sent me word who you were, she said with a smile. I knew quite well who you were. I never forget faces nor names. You have not come to me at this time of night on a mere visit of civility. Don’t be afraid to tell me at once whatever there may be to say.

      From the way you speak, ma’am, said Mr. Rule, I conclude that you have heard some of the wicked reports that are flying about?

      That is exactly what I want to know, she said, with all her old vivacity. Are they wicked reports?

      A report is always wicked, said Mr. Rule sententiously, which is likely to bring about the evil it imagines.

      Ah! she cried. Then it is no further gone than that; and yet it is as far gone as that? she added, looking anxiously in his face.

      Miss Vernon, said Rule solemnly, I expect a run upon the bank to-morrow.

      Good God! she said, clasping her hands; which was not a profane exclamation, but the kind of half-conscious appeal which nature makes instinctively. But you have made all preparations? Surely you can meet that.

      He shook his head solemnly. The credit of the bank was so much to him that when thus face to face with the event he dreaded, poor Rule could not articulate anything, and the water stood in his eyes.

      Good God! she said again: but her face was not awe-stricken; it was that of a soldier springing instantly to the alert, rallying all his resources at the first word of danger; but you don’t mean to say that my cousin—does not John know this? They say everybody knows these things before the person concerned. Why, why did you not warn him, Mr. Rule?

      Rule shook his head.

      It isn’t possible that he could have been ignorant. How could he be ignorant, ma’am? God knows I have not a word to say against Mr. Vernon—but to think he should forsake us in our moment of trial!

      Forsake you! A sudden flush flew over Miss Vernon’s face—a spark shot out of her eyes. Indignation and yet doubt was in her face. That is not possible, she cried, holding her head high; and then she said anxiously, Mr. Rule, tell me what you mean?

      I dare say it is the falsity of appearances, said poor Rule. I am sure I hope so. I hope Mr. Vernon has gone away to get help, personally: you can do that so much better than writing: and that he may be back in time to-morrow.

      Has he gone away? she said in a low tone.

      Unfortunately, Miss Vernon—I can’t help saying unfortunately, for it paralyses everybody else. We can do nothing at the bank. But I cling to the hope that he will be back before the bank is opened. Oh, yes, I cling to the hope. Without that——

      Everything will be lost?

      Everything! cried he, who was so proud of being the head clerk at Vernon’s, with tears in his eyes.

      And then there was a pause. For a minute or two not a word was said. The daughter of the house was as much overcome by the thought as was its faithful servant. At last she said faintly, but firmly—

      Mr. Rule, I cannot believe but that you will see John to-morrow when the bank is opened, with means to meet every demand.

      Yes, Miss Vernon, that is my conviction too.

      But in what a faltering voice was this conviction stated! The room was not very light, and they did not distinguish very clearly each other’s faces.

      But in case of any failure— she said, for of course one never can tell, the most tiresome nothings may detain you just when speed is most important; or he might not have succeeded as he hoped. In case of any—delay—I shall be there, Mr. Rule; you may calculate upon me, with every penny I can muster——

      You, Miss Vernon! the clerk said, with a cry of relief and joy.

      Certainly; who else, when the credit of the bank is at stake? I have been living very quietly, you know. I spend next to nothing; my mother’s money has accumulated till it is quite a little fortune, I believe. What had I best do? send to Mr. Sellon and ask him to help us on that security? I don’t think he will refuse.

      If you do that we are saved, said Rule, half crying. That is the thing to do. What a head for business you have!

      She smiled, and gave him a little nod, like one of those happy nods she used to give to the young clerks in her fine youthful days, in which there was a kind acknowledgment of their admiration, a friendly good fellowship with themselves.

      I hope I am not old Edward Vernon’s grand-daughter for nothing, she said, beginning to walk up and down the room with a buoyant impatience, as though longing for the moment of exertion to come. I had better write to Mr. Sellon at once; there is no time to lose.

      And if you will let me I will take the note directly, and bring you an answer.

      Bravo! that is promptitude, cried Miss Vernon; and she went up to him and held out her hand. Between us we will keep the old place going, she said, whoever may give in.

      If Mr. Rule had not been the steady, bashful Englishman he was, he would have kissed that hand. He felt that there was in it enough to save everything—the bank first, and then his own little bit of money, and his situation, and his children’s bread. He had not allowed himself to think of these things in the greatness of his anxiety in respect to Vernon’s; but he did think of them now, and was ready to cry in the relief of his soul.

      Never was an evening more full of occupation. Mr. Sellon, who was the agent of the Bank of England in Redborough, was fortunately at home, and responded at once to Miss Vernon’s appeal. Mr. Rule had the gratification of walking back with him to the Grange, whither he hastened to reply in person, and of assisting at the interview afterwards with a sense of pride and personal advancement which heightened the satisfaction of his soul. Miss Vernon insisted strongly on the point that all these preparations were by way of precaution merely.

      My cousin will no doubt be back in time, fully provided; but of course you never can be perfectly certain. Horses may break down, shafts be broken; the least little accident may spoil everything. Of course John put off such a step till the last moment, and thought it better to keep it entirely to himself.

      Of course, cried Rule, speaking out of his corner; and Of course, but much more faintly, Mr. Sellon said.

      That is so evident that it requires no repetition: but just as naturally Mr. Rule was alarmed, and had the good sense to come to me.

      All this was by way of convincing Mr. Sellon that the whole matter was perfectly simple, and that probably his resources would not be called upon at all. To be sure, as in every case of a similar kind, Miss Vernon might have saved herself the trouble, the circumstances being far more clearly known to Mr. Sellon than to herself. He was very sure that John Vernon would not return, and that his intention was to get himself out of it. Everybody had known it was coming. It was just as well to humour a lady, and accept her version as the right one; but he was not for a moment deceived.

      Of course the bank, he said, will make it up to you afterwards.

      Of course, she said; and if not, I don’t know who is to stop me from doing what I like with my own.

      He asked a few questions further, in which there was a good deal of significance, as for instance something about Mrs. John Vernon’s marriage settlements, which neither of the others for the moment understood. Rule saw Mr. Sellon to the door, by Miss Vernon’s request, with great pride, and went back to her afterwards, as if he were one of the family, he described to his wife afterwards.

      Well, she said, are you satisfied?

      Oh, more than satisfied, happier than I can tell you, cried the clerk. The bank is saved!

      And then she, so triumphant, buoyant, inspired as she was, sank down upon a chair, and put her head in her hands, and he thought cried; but Rule was not a man to spy upon a lady in the revulsion of her feelings. When she looked up again she said to him quickly—

      In any case, Mr. Rule, we are both sure that my cousin is doing all he can for the bank; if he succeeds or not is in other hands.

      Oh yes, Miss Vernon, quite sure, Rule replied promptly. He understood that she meant it to be understood so, and determined within himself that he was ready to go to the stake for the new dogma. And then he related to her his interview with Mrs. John, and her willingness to give him up her twenty pounds to save the bank.

      Miss Vernon’s first flush of indignation soon yielded to amusement and sympathy. She laughed and she cried.

      That shall always be remembered to her credit, she said. I did not think she had any feeling for the bank. Let us always remember it to her credit. She was ready to give all she had, and who can do any more?

      Mr. Rule was somewhat intoxicated with all these confidences, and with the way in which Miss Vernon said we—his head was a little turned by it. She was a woman who understood what it was to have a faithful servant. No doubt, after the sacrifice she was making, she would, in future, have more to do with the business, and Rule could scarcely keep his imagination from straying into a consideration of changes that might be. Instead of merely being head clerk, it was quite possible that a manager might be required; but he pulled himself up, and would not allow his thoughts to carry him so far.

      Next day everything happened as had been foreseen. There was a run on the bank, and a moment of great excitement; but when Miss Vernon was seen at the door of the inner office smiling, with her smile of triumphant energy and capability, upon the crowd, and when the Bank of England porters appeared bringing in those heavy boxes, the run and all the excitement subsided as by magic. The bank was saved; but not by John Vernon. The outside world never was aware how the matter was settled. But John did not come back. He would have met nothing but averted looks and biting words, for there could be no doubt that he had abandoned his post, and left Vernon’s to its fate. Messrs. Pounce and Seeling had a good deal to do about the matter, and new deeds were drawn, and old deeds cancelled to a serious extent; but the bank ever after remained in the hands of Miss Vernon, who, it turned out, had more than her grandfather’s steady power of holding on, and was, indeed, the heir of her great-grandfather’s genius for business. The bank throve in her hands as it had done in his days, and everything it touched prospered. She deserved it, to be sure, but everybody who deserves does not get this fine reward. There is something beyond, which we call good luck or good fortune, or the favour of Heaven; but as Heaven does not favour all, or even most of the best people in this way, we have to fall back upon a less pious phraseology. Is it, perhaps, genius for business, as distinct as genius in poetry, which makes everything succeed? But this is more than any man can be expected to understand. Rule attained all the heights of those hopes which had vaguely dawned on him out of the mist on that July evening when his good angel suggested to him Catherine Vernon’s name. He was raised to the dignity of manager as he had foreseen. His salary was doubled, his sons were provided for, and he grew old in such comfort and general esteem as he had never dreamed of. This is the man that saved the bank, Miss Vernon would say. And though, of course, he deprecated such high praise, and declared that he was nothing but the humblest instrument, yet there can be no doubt that he came to believe it in the end, as his wife and all his children did from the beginning.

      Miss Vernon’s was a reign of great benevolence, of great liberality, but of great firmness too. As she got older she became almost the most important person in Redborough. The people spoke of her, as they sometimes do of a very popular man, by her Christian name. Catherine Vernon did this and that, they said. Catherine Vernon was the first thought when anything was wanted either by the poor who needed help, or the philanthropist who wanted to give it. The Vernon Almshouses, which had been established a hundred years before, but had fallen into great decay till she took them in hand, were always known as Catherine Vernon’s Almshouses. Her name was put to everything. Catherine Street, Catherine Square, Catherine places without number. The people who built little houses on the outskirts exhausted their invention in varying the uses of it. Catherine Villas, Catherine Cottage, Catherine Mansion, were on all sides; and when it occurred to the High Church rector to dedicate the new church to St. Catherine of Alexandria, the common people, with one accord, transferred the invocation to their living patroness. She was, at least, a saint more easily within reach, and more certain to lend a favourable ear.

      CHAPTER III.

      THE VERNONRY.

      These things all happened a great number of years before the beginning of this history. Catherine Vernon had become an old woman—at least she was sixty-five; you can call that an old woman if you please. Sometimes it may mean the extreme of age, decrepitude and exhaustion: but sometimes also it means a softer and more composed middle age—a lovely autumnal season in which all the faculties retain their force without any of their harshness, and toleration and Christian charity replace all sharpness of criticism or sternness of opinion. Sometimes this beautiful age will fall to the lot of those who have experienced a large share of the miseries of life and learnt its bitterest lessons, but often—and this seems most natural—it is the peaceful souls who have suffered little to whom this crown of continuance is given. Catherine Vernon belonged to the last class. If her youth had not been altogether happy, there had been fewer sorrows and still fewer struggles in her life. She had gone along peacefully, her own mistress, nobody making her afraid, no one to be anxious about, no one dear enough to rend her heart. Most people who have gone through the natural experiences of life are of opinion with the Laureate, that it is

      "Better to have loved and lost

      Than never to have loved at all."

      But then we do not allow the other people to speak who know the other side of the question. If love brings great happiness it brings many woes. Catherine Vernon was like Queen Elizabeth, a dry tree—while other women had sons and daughters. But when the hearts of the mothers were torn with anxiety, she went free. She had the good of other people’s children in a wonderful degree, but it was impossible she could have the harm of them—for those whom she took to were the good children, as was natural, the elect of this world. Her life had been full of exertion and occupation since that night when Rule called upon her at the Grange and set all the world of her being in movement. What flagging and loneliness might have been hers—what weariness and longing had ended at that time. Since then how much she had found to do! The work of a successful man of business increased, yet softened by all the countless nothings that make business for a woman, had filled her days. She was an old maid, to be sure, but an old maid who never was alone. Her house had been gay with young friends and tender friendship. She had been the first love of more girls than she could count. By the time she was sixty-five she was a sort of amateur grandmother in numbers of young households. A woman with plenty of money, with a handsome, cheerful house, and a happy disposition, she had—at least since her youth was over—never had occasion to remember the want of those absorbing affections which bind a married woman within her own circle. The children of the barren in her case were more than those of any wife. If ever in her heart she said to herself, like Matthew in the poem—

      "Many love me, yet by none

      Am I enough beloved,"

      the sentiment never showed, and must have occurred only as Matthew’s did, in moods as evanescent as the clouds. Her face was not without lines, for that would be to say that it was without expression; nor did she look too young for her age: but her eye was not dim, nor her natural force abated. She had a finer colour than in her girlhood, though the red was not so smooth, but a little broken in her soft cheek. Her hair was white and beautiful, her figure ample, but graceful still. At sixty she had given up work, entering upon, she said, the Sabbatical period of her life. For the rest of her days she meant to keep Sunday, resting from her labours—and indeed, with perhaps too close a following of the divine example for any human creature to venture upon, finding them very good.

      It follows as a matter of course that she had found somebody to replace her in the bank. There were so many Vernons, that this was not very difficult to do. At least it was not difficult to find candidates for so important a post. Descendants of the brothers and sisters of the great John Vernon, who had first made the bank what it was, were plentiful, and from among them Catherine Vernon selected two hopeful young men to carry on her work. One of them, Harry Vernon, was descended from the daughter of the great John, who had married a relation and continued to bear the family name. The other went further back and traced his descent from a brother of that great John. The parents of these fortunate young men acquiesced with delight in the proposals she made to them. It was a certain fortune—an established living at once—far better than the chances of the Bar, or the Indian Civil Examinations, or Colorado, which had begun to be the alternative for young men. Indeed it was only Edward Vernon who had parents to be consulted. Harry had but a sister, who had come to live with him in the fine house which the last John, the one who had put the bank in such deadly peril, had built. Edward lived with Miss Vernon herself. Five years had passed since their inauguration as partners and managers, with very little change in their feelings towards the old cousin, who had done so much for them, and whom they called Aunt Catherine. She was Aunt Catherine to a great many people, but these three, who were the nearest to her in blood, were disposed to give themselves airs, and to punish intruders who presumed upon a fictitious relationship. They were to all appearance quite satisfactory young people, if perhaps not brilliant; and pious persons said that Miss Vernon had got her reward for her kindness to the poor, and her more than kindness to her poor relations. She was surrounded by those who were to her like children of her own. No mother could have had sons more respectful and devoted. Good and virtuous and kind children—what could a woman have more?

      Perhaps this was rather a flattering and ideal statement of the case; but at all events one of the young men satisfied all Miss Vernon’s requirements, and they were both steady-going, fine young fellows, paying every attention to business, keeping everything going. Ellen perhaps was not quite so satisfactory. She was young and headstrong, and not sure that Catherine Vernon was all that people made her out to be. There was nothing wonderful in this. To hear one person for ever applauded is more likely than anything else to set an impatient mind against that person—and Ellen kept her old cousin at arm’s length, and showed her little affection. Nobody could doubt that this must have vexed Miss Vernon, but she took it with wonderful calm.

      Your sister does not like me, she said to Harry; never mind, she is young, and she will know better one day.

      You must not think so, Harry said. Ellen is foolish and headstrong, but she has a very good heart.

      Catherine Vernon nodded a little and shook her head.

      It is not a heart, she said, that is disposed towards me. But never mind; she will think better of it one day.

      Thus you will see that Miss Vernon escaped from the worst, and had the best, of motherhood. What a bitterness to her heart would this alienation have been, had Ellen been her child! but as the troublesome girl was not her child in reality, the unkindness vexed her in a very much less degree. She was able to think of the boys, who were so good, without being disturbed by the image of the girl, who was not so good. And so all things went on serenely, and the years went by, gentle, unremarkable, tranquil years.

      Several years before this, before indeed the young people had entered into her life, the old house, called the Heronry, came into Miss Vernon’s hands. It was at some distance on the same side of the Common, but a little further out towards the country than the Grange—a large old red-brick house, in the midst of a thin but lofty group of trees. Though it was so near the town, there was something forlorn in it, standing out against the west, the tall trees dark against the light, the irregular outline of the old house flush against the sky, for it was a flat country, no hills or undulations, but everything that was tall enough showing direct against the horizon in a way that was sometimes very impressive. This great old house Miss Vernon made a curious use of. It contained a multitude of rooms, not any very large except that which occupied the centre of the area, a sort of hall, with a great staircase going out of it. From the moment it came into her hands, she made, everybody thought, a toy of the Heronry. She divided it into about half a dozen compartments, each with a separate entrance. It was very cleverly done, so as not to interfere in any way with the appearance of the place. The doors were not new and unsightly, but adapted with great care, some of them being windows a little enlarged. What was it for? All kinds of rumours ran about the town. It was some sort of a convent which she was going to institute, a community of an apostolical kind, a sisterhood, a hospital, a set of almshouses. Some went so far as to call it Catherine Vernon’s Folly. She spent a great deal of money upon it, elaborating her whim, whatever it might be. It was fitted up with apparatus for

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