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 think she could be in danger. She at once explained her wishes, which had reference, as I expected, to her nephew, and repeated the substance of what I have already referred to as her main source of uneasiness concerning him. Then she begged me by our long and close intimacy, by the suddenness of the danger that had fallen on her and her powerlessness to avert it, to undertake what she said she well knew, if she died, would be an unpleasant and invidious trust.

She wanted to leave the bulk of her money ostensibly to me, but in reality to her nephew, so that I should hold it in trust for him till he was twenty-eight years old, but neither he nor anyone else, except her lawyer and myself, was to know anything about it. She would leave £5000 in other legacies, and £15,000 to Ernest—which by the time he was twenty-eight would have accumulated to, say, £30,000. "Sell out the debentures," she said, "where the money now is—and put it into Midland Ordinary."

"Let him make his mistakes," she said, "upon the money his grandfather left him. I am no prophet, but even I can see that it will take that boy many years to see things as his neighbours see them. He will get no help from his father and mother, who would never forgive him for his good luck if I left him the money outright; I daresay I am wrong, but I think he will have to lose the greater part or all of what he has, before he will know how to keep what he will get from me."

Supposing he went bankrupt before he was twenty-eight years old, the money was to be mine absolutely, but she could trust me, she said, to hand it over to Ernest in due time.

"If," she continued, "I am mistaken, the worst that can happen is that he will come into a larger sum at twenty-eight instead of a smaller sum at, say, twenty-three, for I would never trust him with it earlier, and—if he knows nothing about it he will not be unhappy for the want of it."

She begged me to take £2000 in return for the trouble I should have in taking charge of the boy's estate, and as a