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Everything was going smoothly until Mr. Hardcastle said in the very quietest of tones--

"Of course you understand, Mrs. Wickham, that I shall require references. I am going to lay out a good deal of money on the house, and references are indispensable."

"Of course," answered mother, but she looked pale and nervous.

"What sort of references?" I asked.

"Tradesmen's references are what we like best," was his reply; "but your banker's will be all-sufficient--an interview with your banker with regard to your deposit will make all safe."

Then mother turned paler than ever, and looked first at me and then at Mr. Hardcastle. After a pause she said slowly--

"My daughter and I would not undertake our present scheme if we had capital--we have not any."

"Not any?" said Mr. Hardcastle, looking blank, "and yet you propose to take a house with a rental of two hundred and eighty pounds a year."

"We mean to pay the rent out of the profit we get from the boarders,"

I replied.

Mr. Hardcastle did not make use of an ugly word, but he raised his brows, looked fixedly at me for a moment, and then shook his head.

"I am sorry," he said, rising; "I would do a great deal to oblige you, for you are both most charming ladies, but I cannot let my house without references. If you, for instance, Mrs. Wickham, could get any one to guarantee the rent, I should be delighted to let you the house and put it in order, but not otherwise."

He added a few more words, and then he and the agent, both of them looking very gloomy, went away.

"I shall hear from you doubtless on the subject of references," said Mr. Hardcastle as he bowed himself out, "and I will keep the offer open until Saturday."

This was Wednesday, we had three days to spare.

"Now, Westenra," said my mother, "the thing has come to a stop of itself. Providence has interfered, and I must honestly say I am glad.

From the first the scheme was mad, and as that nice, jovial looking Mr. Hardcastle will not let us the house without our having capital, and as we have no capital, there surely is an end to the matter. I have not the slightest doubt, West, that all the other landlords in Bloomsbury will be equally particular, therefore we must fall back upon our little cottage in----"

"No, mother," I interrupted, "no; I own that at the present moment I feel at my wits' end, but I have not yet come to the cottage in the country."

I think there were tears in my eyes, for mother opened her arms wide.

"Kiss me," she said.

I ran into her dear arms, and laid my head on her shoulder.

"Oh, you are the sweetest thing on earth," I said, "and it is because you are, and because I love you so passionately, I will not let you degenerate. I will find my way through somehow."

I left mother a moment later, and I will own it, went to my own lovely, lovely room, suitable for a girl who moved in the best society, and burst into tears. It was astonishing what a sudden passion I had taken, as my friends would say, to degrade myself; but this did not look like degradation in my eyes, it was just honest work. We wanted money, and we would earn it; we would go in debt to no man; we would earn money for ourselves. But then the thought came to me, "Was my scheme too expensive? had I any right to saddle mother with such an enormous rent?" I had always considered myself a very fair arithmetician, and I now sat down and went carefully into accounts. I smile to this day as I think of myself seated at my little table in the big bay window of my bedroom, trying to make out with pencil and paper how I could keep 17 Graham Square going--I, a girl without capital, without knowledge, without any of the sort of experience which alone could aid me in a crisis of this sort.

I spent the rest of the day in very low spirits, for my accounts would not, however hard I tried, show any margin of profit.

The more difficulties came in my way, however, the more determined was I to overcome them. Presently I took a sheet of paper and wrote a few lines to Mr. Hardcastle. I knew his address, and wrote to him direct.

"Dear sir," I said, "will you oblige me by letting me know what capital my mother will require in order to become your tenant for 17 Graham Square."

I signed this letter, adding a postscript, "An early answer will oblige."

I received the answer about noon the following day.

"DEAR MISS WICKHAM,--Your letter puzzles me. I see you have a great deal of pluck and endeavour, and I should certainly do my utmost to please you, but I cannot let you have the house under a capital of five thousand pounds."

The letter fell from my hands, and I sat in blank despair. Five thousand pounds is a small sum to many people, to others it is as impossible and as unget-at-able as the moon. We, when our debts were paid, would have nothing at all to live on except the annuity which my mother received from the Government, and a small sum of fifty pounds a year.

I began dismally to consider what rent we must pay for the awful cottage in the country, and to what part of the country it would be best to retire, when Paul came into the room and presented me with a card.

"There's a lady--a person, I mean--downstairs, and she wants to see you, Miss."

I took the card and read the name--Miss Jane Mullins.

"Who is she?" I asked; "I don't know her."

"She's a sort of betwixt and between, Miss. I showed her into the li'bry. I said you was most likely engaged, but that I would inquire."

"Miss Jane Mullins." I read the name aloud. "Show her up, Paul," I said then.

"Oh, my dear West, what do you mean?" said mother; "that sort of person has probably called to beg."

"She may as well beg in the drawing-room as anywhere else," I said. "I have rather taken a fancy to her name--Jane Mullins."

"A hideous name," said mother; but she did not add any more, for the next moment there came a rustle of harsh silk on the landing, the drawing-room door was flung open by Paul in his grandest style, and Miss Jane Mullins walked in. She entered quickly, with a determined step. She was a little woman, stoutly built, and very neatly and at the same time quietly dressed. Her dress was black silk, and I saw at a glance that the quality of the silk was poor. It gave her a harsh appearance, which was further intensified by a kind of fixed colour in her cheeks. Her face was all over a sort of chocolate red. She had scanty eyebrows and scanty hair, her eyes were small and twinkling, she had a snub nose and a wide mouth. Her age might have been from thirty-five to forty. She had, however, a great deal of self-possession, and did not seem at all impressed by my stately-looking mother and by my tall, slender self.

As she had asked particularly to see me, mother now retired to the other end of the long drawing-room and took up a book. I invited Miss Mullins to a chair.

"I would a great deal rather you called me Jane at once and have done with it," was her remarkable response to this; "but I suppose Jane will come in time." Here she heaved a very deep sigh, raised her veil of spotted net, and taking out her handkerchief, mopped her red face.

"It's a warm day," she said, "and I walked most of the way. I suppose you would like me to proceed to business. I have come, Miss Wickham--Miss Westenra Wickham--to speak on the subject of 17 Graham Square."

"Have you?" I cried. Had the ground opened I could not have been more amazed. What had this little, rather ugly woman, to do with my dream-house, 17 Graham Square?

"It is a very beautiful, fine house," said the little woman. "I went all over it this morning. I heard from your agents, Messrs. Macalister & Co., that you are anxious to take it."

I felt that my agents were very rude in thus giving me away, and made no response beyond a stately bend of my head. I was glad that mother was occupying herself with some delicate embroidery in the distant window. She certainly could not hear our conversation.

Miss Mullins now pulled her chair forward and sat in such a position that her knees nearly touched mine.

"You'll forgive a plain question," she said; "I am here on business.

Are you prepared to take the house?"

"We certainly wish to take it," I said.

"But are you going to take it, Miss Wickham?"

I rather resented this speech, and was silent.

"Now I'll be plain. My name is blunt, and so is my nature. I want the house."

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