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Rh borrow money. Things got better, and gradually he paid, I believe, most of this loan off. Still, he saw his way and was able to send me to Harrow. Then, of course, you have been for the last four years at an expensive school, preparing for Rugby, and everything was going on well till eighteen months ago he fell ill, as you know, and had to go away to the south of France for four months. That, of course, meant not only a heavy expense, but the loss of practice.

"He told me something about it before I went up last year, and, of course, I said at once that I would give up going to the 'Varsity, and would go in for the army or anything else he liked. I said that I would enlist for a year or two, and then, if things went on all right, he could buy me a commission—anyhow I did not want to be an expense to him; but he said, 'There is no occasion for that, Tom, things will soon improve again; I have no doubt that in a few months I shall be straight again.' Well, he was right, as far as the practice was concerned. I spoke to him about it when I came down last, and he said that he was now doing better again, and that there was no occasion for him to make any alteration in his plans for me or for you, and that in the course of a few months he expected that he should be a free man again, and could calculate upon making a clear £2000 a year.

"Well, you see, Harry, he did not have more than two months, and the result is that I was not surprised to-day, on talking the matter over with Mr. Ellerman, to hear that, although the loan he had obtained on his furniture is partly paid off, there is practically nothing left but the balance of what the furniture and the horses and carriage will fetch. Of course there are bills to be paid, and one thing and another, and I fancy that a couple of hundred pounds is about all that we shall have between us. The question is, what is to be done? It has not come quite as a surprise to me. For the last year, you see, I have