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enary motive。 Did she propose to brighten those dreary prospects to which he had alluded in speaking of his own life？ When he presented himself at her house the next evening； would she introduce him to a charming daughter？
He smiled as the idea occurred to him。 〃An appropriate time to be thinking of my chances of marriage！〃 he said to himself。 〃In another month I may be a ruined man。〃
III。
THE gentleman who had so urgently requested an interview was a devoted friendwho had obtained a means of helping Ernest at a serious crisis in his affairs。
It had been truly reported that he was in a position of pecuniary embarrassment； owing to the failure of a mercantile house with which he had been intimately connected。 Whispers affecting his own solvency had followed on the bankruptcy of the firm。 He had already endeavored to obtain advances of money on the usual conditions； and had been met by excuses for delay。 His friend had now arrived with a letter of introduction to a capitalist； well known in commercial circles for his daring speculations and for his great wealth。
Looking at the letter； Ernest observed that the envelope was sealed。 In spite of that ominous innovation on established usage； in cases of personal introduction； he presented the letter。 On this occasion； he was not put off with excuses。 The capitalist flatly declined to discount Mr。 Lismore's bills； unless they were backed by responsible names。
Ernest made a last effort。
He applied for help to two mercantile men whom he had assisted in _their_ difficulties； and whose names would have satisfied the money…lender。 They were most sincerely sorrybut they； too； refused
The one security that he could offer was open； it must be owned； to serious objections on the score of risk。 He wanted an advance of twenty thousand pounds； secured on a homeward…bound ship and cargo。 But the vessel was not insured； and； at that stormy season； she was already more than a month overdue。 Could grateful colleagues be blamed if they forgot their obligations when they were asked to offer pecuniary help to a merchant in this situation？ Ernest returned to his office； without money and without credit。
A man threatened by ruin is in no state of mind to keep an engagement at a lady's tea…table。 Ernest sent a letter of apology to Mrs。 Call ender； alleging extreme pressure of business as the excuse for breaking his engagement。
〃Am I to wait for an answer； sir？〃 the messenger asked。
〃No； you are merely to leave the letter。〃
IV。
IN an hour's timeto Ernest's astonishmentthe messenger returned with a reply。
〃The lady was just going out； sir； when I rang at the door；〃 he explained； 〃and she took the letter from me herself。 She didn't appear to know your handwriting； and she asked me who I came from。 When I mentioned your name； I was ordered to wait。〃
Ernest opened the letter。
〃DEAR MR。 LISMOREOne of us must speak out； and your letter of apology forces me to be that one。 If you are really so proud and so distrustfull as you seem to be； I shall offend you。 If not； I shall prove myself to be your friend。
〃Your excuse is 'pressure of business。' The truth （as I have good reason to believe） is 'want of money。' I heard a stranger； at that public meeting； say that you were seriously embarrassed by some failure in the City。
〃Let me tell you what my own pecuniary position is in two words。 I am the childless widow of a rich man〃
Ernest paused。 His anticipated discovery of Mrs。 Callender's 〃charming daughter〃 was in his mind for the moment。 〃That little romance must return to the world of dreams；〃 he thoughtand went on with the letter。
〃After what I owe to you； I don't regard it as repaying an obligationI consider myself as merely performing a duty when I offer to assist you by a loan of money。
〃Wait a little before you throw my letter into the wastepaper basket。
〃Circumstances （which it is impossible for me to mention before we meet） put it out of my power to help youunless I attach to my most sincere offer of service a very unusual and very embarrassing condition。 If you are on the brink of ruin； that misfortune will plead my excuseand your excuse； too； if you accept the loan on my terms。 In any case； I rely on the sympathy and forbearance of the man to whom I owe my life。
〃After what I have now written； there is only one thing to add。 I beg to decline accepting your excuses； and I shall expect to see you tomorrow evening； as we arranged。 I am an obstinate old womanbut I am also your faithful friend and servant；
MARY CALLENDER。〃
Ernest looked up from the letter。 〃What can this possibly mean？〃 he wondered。
But he was too sensible a man to be content with wonderinghe decided on keeping his engagement。
V。
WHAT Doctor Johnson called 〃the insolence of wealth〃 appears far more frequently in the houses of the rich than in the manners of the rich。 The reason is plain enough。 Personal ostentation is； in the very nature of it； ridiculous。 But the ostentation which exhibits magnificent pictures； priceless china； and splendid furniture； can purchase good taste to guide it； and can assert itself without affording the smallest opening for a word of depreciation； or a look of contempt。 If I am worth a million of money； and if I am dying to show it； I don't ask you to look at meI ask you to look at my house。
Keeping his engagement with Mrs。 Callender； Ernest discovered that riches might be lavishly and yet modestly used。
In crossing the hall and ascending the stairs； look where he might； his notice was insensibly won by proofs of the taste which is not to be purchased； and the wealth which uses but never exhibits its purse。 Conducted by a man…servant to the landing on the first floor； he found a maid at the door of the boudoir waiting to announce him。 Mrs。 Callender advanced to welcome her guest； in a simple evening dress perfectly suited to her age。 All that had looked worn and faded in her fine face； by daylight； was now softly obscured by shaded lamps。 Objects of beauty surrounded her； which glowed with subdued radiance from their background of sober color。 The influence of appearances is the strongest of all outward influences； while it lasts。 For the moment； the scene produced its impression on Ernest； in spite of the terrible anxieties which consumed him。 Mrs。 Callender； in his office； was a woman who had stepped out of her appropriate sphere。 Mrs。 Callender； in her own house； was a woman who had risen to a new place in his estimation。
〃I am afraid you don't thank me for forcing you to keep your engagement；〃 she said； with her friendly tones and her pleasant smile。
〃Indeed I do thank you；〃 he replied。 〃Your beautiful house and your gracious welcome have persuaded me into forgetting my troublesfor a while。〃
The smile passed away from her face。 〃Then it is true；〃 she said gravely。
〃Only too true。〃
She led him to a seat beside her； and waited to speak again until her maid had brought in the tea。
〃Have you read my letter in the same friendly spirit in which I wrote it？〃 she asked； when they were alone again。
〃I have read your letter gratefully； but〃
〃But you don't know