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The gentleman who had so urgently requested an interview was a devoted friend, who 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 endeavoured 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 sorry, but 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. Callender, 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.”

In an hour’s time, to Ernest’s astonishment, the 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. LISMORE: One of us must speak out, and your letter of apology forces me to be that one. If you are really so proud and so distrustful 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 thought, and went on with the letter.

“After what I owe to you, I don’t regard it as repaying an obligation; I 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 waste-paper basket.

“Circumstances (which it is impossible for me to mention before we meet) put it out of my power to help you–unless 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 excuse–and 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.