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Howards End for some time been preparing a sentence, "but that lady has, quite inadvertently, taken my umbrella."

"Oh, good gracious me!—I am so sorry. Tibby, run after Helen."

"I shall miss the Four Serious Songs if I do."

"Tibby love, you must go."

"It isn't of any consequence," said the young man, in truth a little uneasy about his umbrella.

"But of course it is. Tibby! Tibby!"

Tibby rose to his feet, and wilfully caught his person on the backs of the chairs. By the time he had tipped up the seat and had found his hat, and had deposited his full score in safety, it was "too late" to go after Helen. The Four Serious Songs had begun, and one could not move during their performance.

"My sister is so careless," whispered Margaret.

"Not at all," replied the young man; but his voice was dead and cold.

"If you would give me your address—"

"Oh, not at all, not at all;" and he wrapped his greatcoat over his knees.

Then the Four Serious Songs rang shallow in Margaret's ears. Brahms, for all his grumbling and grizzling, had never guessed what it felt like to be suspected of stealing an umbrella. For this fool of a young man thought that she and Helen and Tibby had been playing the confidence trick on him, and that if he gave his address they would break into his rooms some midnight or other and steal his walking-stick too. Most ladies would have laughed, but Margaret really minded, for it gave her a glimpse into squalor. To trust people is a luxury in which only the wealthy can indulge; the poor cannot afford it. As soon as Brahms had grunted himself out, she gave him her card and said, "That is where we live; if you preferred, you could call for the umbrella after the concert, but I didn't like to trouble you when it has all been our fault."

His face brightened a little when he saw that Wickham Place was W. It was sad to see him corroded with