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358 for money at the time) to accept a loan from the keeper of a small restaurant in Paris, to whom I was well known as a customer. A time was settled between us for paying the money back; and when the time came, I found it (as thousands of other honest men have found it) impossible to keep my engagement. I sent the man a bill. My name was unfortunately too well known on such documents: he failed to negotiate it. His affairs had fallen into disorder, in the interval since I had borrowed of him; bankruptcy stared him in the face; and a relative of his, a French lawyer, came to England to find me, and to insist upon the payment of my debt. He was a man of violent temper; and he took the wrong way with me. High words passed on both sides; and my aunt and Rachel were unfortunately in the next room, and heard us. Lady Verinder came in, and insisted on knowing what was the matter. The Frenchman produced his credentials, and declared me to be responsible for the ruin of a poor man, who had trusted in my honor. My aunt instantly paid him the money, and sent him off. She knew me better of course than to take the Frenchman's view of the transaction. But she was shocked at my carelessness, and justly angry with me for placing myself in a position, which, but for her interference, might have become a very disgraceful one. Either her mother told her, or Rachel heard what passed—I can't say which. She took her own romantic, high-flown view of the matter. I was "heartless;" I was "dishonorable;" I had "no principle;" there was "no knowing what I might do next"—in short, she said some of the severest things to me which I had ever heard from a young lady's lips. The breach between us lasted for the whole of the next day. The day after, I succeeded in making my peace, and thought no more of it. Had Rachel reverted to this unlucky accident, at the critical moment when my place in her estimation was again, and far more seriously, assailed? Mr. Bruff, when I had mentioned the circumstances to him, answered the question at once in the affirmative.

"It would have its effect on her mind," he said gravely. "And I wish, for your sake, the thing had not happened. However, we have discovered that there was a predisposing influence against you—and there is one uncertainty cleared out of our way, at any rate. I see nothing more that we can do now. Our next step in this inquiry must be the step that takes us to Rachel."

He rose, and began walking thoughtfully up and down the room. Twice, I was on the point of telling him that I had determined on seeing Rachel personally; and twice, having