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Such a one was Isa Heine at the time of which I am writing. We English, in our passion for daily excitement, might call her phlegmatic, but we should call her so unjustly. Life to her was a serious matter, of which the daily duties and daily wants were sufficient to occupy her thoughts. She was her mother’s companion, the instructress of both her brother and her sister, and the charm of her father’s vacant hours. With such calls upon her time, and so many realities around her, her imagination did not teach her to look for joys beyond those of her present life and home. When love and marriage should come to her, as come they probably might, she would endeavour to attune herself to a new happiness and a new sphere of duties. In the meantime she was contented to keep her mother’s accounts, and look after her brother and sister up two pair of stairs in the Ludwigs Strasse. But change would certainly come, we may prophesy; for Isa Heine was a beautiful girl, tall and graceful, comely to the eye, and fit in every way to be loved and cherished as the partner of a man’s home.

I have said that an English clerk made a part of that small establishment in the dingy banking-office in the Schrannen Platz, and I must say a word or two of Herbert Onslow. In his early career he had not been fortunate. His father, with means sufficiently moderate, and with a family more than sufficiently large, had sent him to a public school at which he had been very idle, and then to one of the universities, at which he had run into debt, and had therefore left without a degree. When this occurred, a family council of war had been held among the Onslows, and it was decided that Herbert should be sent off to the banking-house of Heines, at Munich, there being a cousinship between the families, and some existing connections of business.

It was, therefore, so settled; and Herbert, willing enough to see the world,–as he considered he should do by going to Munich,– started for his German home, with injunctions, very tender from his mother, and very solemn from his aggrieved father. But there was nothing bad at the heart about young Onslow, and if the solemn father had well considered it, he might perhaps have felt that those debts at Cambridge reflected more fault on him than on his son. When Herbert arrived at Munich, his cousins, the Heines,–far-away cousins though they were,–behaved kindly to him. They established him at first in lodgings, where he was boarded with many others, having heard somewhat of his early youth. But when Madame Heine, at the end of twelve months, perceived that he was punctual at the bank, and that his allowances, which, though moderate in England, were handsome in Munich, carried him on without debt, she opened her motherly arms and suggested to his mother and to himself, that he should live with them. In this way he also was domiciled up two pairs of stairs in the palatial residence in the Ludwigs Strasse.

But all this happened long ago. Isa Heine had been only seventeen when her cousin had first come to Munich, and had made acquaintance with him rather as a child than as a woman. And when, as she ripened into womanhood, this young man came more closely among them, it did not strike her that the change would affect her more powerfully than it would the others. Her uncle and father, she knew, had approved of Herbert at the bank; and Herbert had shown that he could be steady; therefore he was to be taken into their family, paying his annual subsidy, instead of being left with strangers at the boarding-house. All this was very simple to her. She assisted in mending his linen, as she did her father’s; she visited his room daily, as she visited all the others; she took notice of his likings and dislikings as touching their table arrangement,–but by no means such notice as she did of her father’s; and without any flutter, inwardly in her imagination or outwardly as regarded the world, she made him one of the family. So things went on for a year,–nay, so things went on for two years with her, after Herbert Onslow had come to the Ludwigs Strasse.