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 “Oh, I didn’t tell you, Susan: I put my name to a bill for Fred; it was for a hundred and sixty pounds. He made sure he could meet it himself.”

There was an evident change in Mrs Garth’s face, but it was like a change below the surface of water which remains smooth. She fixed her eyes on Fred, saying—

“I suppose you have asked your father for the rest of the money and he has refused you.”

“No,” said Fred, biting his lip, and speaking with more difficulty; “but I know it will be of no use to ask him; and unless it were of use, I should not like to mention Mr Garth’s name in the matter.”

“It has come at an unfortunate time,” said Caleb, in his hesitating way, looking down at the notes and nervously fingering the paper, “Christmas upon us—I’m rather hard up just now. You see, I have to cut out everything like a tailor with short measure. What can we do, Susan? I shall want every farthing we have in the bank. It’s a hundred and ten pounds, the deuce take it!”

“I must give you the ninety-two pounds that I have put by for Alfred’s premium,” said Mrs Garth, gravely and decisively, though a nice ear might have discerned a slight tremor in some of the words. “And I have no doubt that Mary has twenty pounds saved from her salary by this time. She will advance it.”

Mrs Garth had not again looked at Fred, and was not in the least calculating what words she should use to cut him the most effectively. Like the eccentric woman she was, she was at present absorbed in considering what was to be done, and did not fancy that the end could be better achieved by bitter remarks or explosions. But she had made Fred feel for the first time something like the tooth of remorse. Curiously enough, his pain in the affair beforehand had consisted almost entirely in the sense that he must seem dishonourable, and sink in the opinion of the Garths: he had not occupied himself with the inconvenience and possible injury that his breach might occasion them, for this exercise of the imagination on other people’s needs is not common with hopeful young gentlemen. Indeed we are most of us brought up in the notion that the highest motive for not doing a wrong is something irrespective of the beings who would suffer the wrong. But at this moment he suddenly saw himself as a pitiful rascal who was robbing two women of their savings.

“I shall certainly pay it all, Mrs Garth—ultimately,” he stammered out.

“Yes, ultimately,” said Mrs Garth, who having a special dislike to fine words on ugly occasions, could not now repress an epigram. “But boys cannot well be apprenticed ultimately: they should be apprenticed at fifteen.” She had never been so little inclined to make excuses for Fred.

“I was the most in the wrong, Susan,” said Caleb. “Fred made sure of finding the money. But I'd no business to be fingering bills. I suppose you have looked all round and tried all honest means?” he