donald lindsay was buried on a glorious afternoon, when all the world seemed at its best and brightest. carriages from all parts of the district represented their absent owners, but only four mourners were actually present. nora and elaine stood together on one side of the grave, confronting dr. banyard and mr. nash. afterwards the four were again together in the room at cloverlea which nora regarded as in an especial sense her own. the blinds at last were drawn; the windows stood wide open; the april sun, warm enough for june, came streaming in, but it brought no brightness to those within. each of the quartette seemed to be singularly ill at ease. it was not strange that such should have been the case with nora; it was her hour of trial. but why elaine harding should have been unlike her usual self was not so obvious. an impartial observer, knowing her well, would have said that she had never appeared to such little advantage. black never became her; either because she was physically unwell, or for some more obscure reason, that afternoon, in her mourning, she looked almost hideous. had she been at liberty to choose, she would have been present neither at the funeral nor afterwards in nora's room; but she had not seen her way to refuse compliance with nora's positive request. since mr. nash had told her of his, and dr. banyard's, failure to find among the dead man's papers anything to show that he had left any real provision for his daughter at all, she had been living in what seemed to her to be a continual nightmare. day and night she was haunted by the three thousand one hundred and twenty-seven pounds which she had regarded as treasure-trove. had she not taken it for granted that nora would be a rich woman she would not have touched a farthing; of that she was certain. it was the conviction that such a sum would mean nothing to nora which had been the irresistible temptation. had it been in her power she would have replaced the money even then, and would have been only too glad to do it, though it left her penniless. but she had learnt what has to be learnt by all of us, how much easier it is to do than to undo. any attempt in the direction of restitution would mean not only exposure, but ruin. herbert nash had to be considered. he had had two hundred pounds of the money; what he had done with it he alone knew. then he had swallowed the tale of her aunt's legacy; she was perfectly well aware that if it had not been for that supposititious two thousand pounds she would never have been his promised wife. was she to tell him now that she had lied? what explanation was she to offer him if she did? would he not be entitled to regard her as some unspeakable thing? she did not doubt that his love would turn to scorn; that he would cast her from him with loathing and disgust.

no; anything rather than that; for she loved him.

on the other hand, if it was true that nora had been left a pauper? and she had robbed her of her all! would that fact not be shouted at her from out of the flaming sky for ever and for aye? would not the face of god be turned from her through all eternity? and how often, and how fervently, she had prayed that god might guide and bless her. she dared not think of the punishment which must inevitably crown so great a sin. she racked her brain to find some way out of the peril which threatened her on every hand; if only she could light on some plausible compromise. and at last she thought--she hoped--that she had discovered something which would relieve the situation at the point of its greatest strain. three thousand one hundred and twenty-seven pounds she had--found; she had told mr. nash that her aunt had left two thousand. her idea had been that she would have a good, round sum in hand, unknown to him, which, in case of need, would be of service in a tight place. what was to prevent her, should the tale of nora's impoverishment turn out to be correct, disclosing the existence of that balance of over a thousand pounds; her fertile brain would easily invent some reasonable explanation; though that tale of the legacy would not do for nora, who knew too much of her family affairs. then she might insist on nora accepting it as--what should she call it? a gift? a loan? it did not matter what she called it so long as nora took the money; and she would have to take it. in that case nora would regard her as her benefactor, instead of--what she was.

it is wonderful with what ointments we try to salve our consciences. at intervals elaine was almost pleased with herself as she thought of how, if the worst came to the worst, she was going to present nora with more than a thousand pounds. yet that afternoon, in that pleasant room, in which she and her friend had spent so many happy hours, she was as one who knew not peace.

nor did it seem to be peace with mr. nash. if one might judge from his physiognomy he did not appear to be at all inclined to congratulate himself on the position which it seemed likely he would occupy, of administrator of the dead man's estate. such a position would mean something for him, if it meant nothing for anybody else; in such a case a lawyer always esteems himself worthy of his hire; and he sees that he gets it. yet he looked as if he would have preferred to have been almost anywhere else rather than where he was.

the same remark applied to dr. banyard; though even a superficial observer might have guessed that the two men were troubled because of different things. a keen judge of human nature might have perceived that the doctor was troubled because of nora; herbert nash because of himself.

the order of the proceedings was singular; it required pressure to induce nora to sit down.

"i would much rather stand," she said. "i don't know what you have to say to me; but i hope that, whatever it is, it won't take long; i feel as if i can't sit; i would much sooner listen standing if you don't mind."

but the doctor did mind; he would not have it; he made her sit. then nothing would satisfy her but that elaine should sit by her; which was agony to miss harding, who was in the condition which is known as being all over pins and needles; it would have been a relief to have been able to scream.

"now, nash," inquired the doctor, when the two young women, looking, in their several ways, pictures of misery, were seated on adjacent chairs, "where are those papers? let's get to business; and be as brief and as clear as you can."

nash, with what was almost a hang-dog air, took some papers out of a black leather bag. untying the tape which bound them together he began. his tale was neither very brief nor very clear; though his meaning was plain enough when it was ended. the dead man had left everything to his daughter; but he had nothing to leave; that was what it came to. there was less than a hundred pounds at the bank; and there was cloverlea and the contents of the house. on the debit side there were debts amounting, so far as could be ascertained, to several thousand pounds; claims had come in from wholly unexpected quarters for large sums. if they had to be paid at once that would involve a forced sale of cloverlea, and that would probably mean that very little would be left for nora.

the faces of the two girls, as this state of affairs was being unfolded, were studies. on miss harding's face there came, by degrees, an expression of actual agony, as if her lover was playing the part of a torturer, whose every word was a fresh turn of the rack, or of the thumbscrew. nora's face, on the other hand, as she began to perceive the point at which mr. nash was aiming, suggested anger rather than pain; the same suggestion was in her voice, as she addressed a question to him, so soon as he showed signs of having finished.

"do you wish me to understand that my father has left no money?"

mr. nash looked down, as if unwilling to meet her eyes.

"neither dr. banyard nor i have been able to find anything which points to money, i am sorry to say."

"you needn't be sorry." she turned to dr. banyard; with, as she did so, something in her manner which was hardly flattering to mr. nash. "if my father has left no money on what have we been living? does mr. nash mean that my father spent all his money before he died? because, if he does, i tell him, quite plainly, that i don't believe it."

the doctor got up. it was a peculiarity of his that, while he was always anxious that others should sit still, he never could do so himself when he was moved. thrusting his hands into his trousers pockets he began to fidget about the room.

"that's the point," he exclaimed. "it's a pity, my dear miss lindsay, that your father didn't take you more into his confidence."

"he was entitled to do as he pleased."

"precisely! and he did as he pleased! and this is the result! that you know nothing; that we know nothing; and, apparently, that we can find out nothing. we have been in communication with his london club; they tell us that he was an occasional attendant; that, so far as they know, this was his only address; that sometimes, but not often, letters came for him; but there are none awaiting him at present; they can give us no further information, and we have not the dimmest notion who can. let me add a sort of postscript to what mr. nash has told you, which will shed another sidelight on the position. it is now about five years since your father bought cloverlea. ever since he bought it he has paid three thousand pounds into the local bank four times each year, always in notes and gold, which, as you are possibly aware, is not a form in which such payments are usually made. his next payment, if he intended to follow his usual rule, was due last week, to be exact, last friday; for four years in succession he has paid in three thousand pounds, in notes and gold, on the first friday in april. he was taken ill, as you know, on thursday; if he had intended to make his usual payment on the following day the money would have been in his possession; we should have found it; we have found nothing."

although no one seemed to notice it, miss harding looked as if she were trembling on the verge of a serious attack of illness. her face was white and drawn, her eyes were half closed, her mouth was tightly shut, her hand was pressed against her side, as if compelled to that position by sudden pain. the doctor, oblivious of the fact that it looked as if his services would presently be required, went remorselessly on.

"the only possible alternative is that the money was stolen, and that after he was taken ill; you know what likelihood there is of that. but in order to leave no room for doubt we have questioned every one connected with the household; i am bound to say that we have discovered nothing in the least suspicious."

"of course not; i wish i had known what you were doing, i would have stopped it. the idea of supposing that any one here would rob me; there is not a creature about the place i would not trust with my life."

this was nora; her words were like poisoned darts to at least one of her hearers. the doctor continued.

"just so; but allow me to point out, miss lindsay, the inference which may be drawn from what we have been able to learn of your father's methods. he has paid twelve thousand pounds a year into the local bank, invariably in notes and gold, never a cheque among the lot; does not this suggest that he wished to conceal, even from his bankers, the source from which the money came?"

"i don't see why you say that."

"if their ledgers contained the record of his having paid in even so much as a single cheque we might have been able to trace the history of that cheque, and in so doing might have lighted upon something which would have served as the key to the whole puzzle; if, that is, we could discover some one who ever paid him anything we might find out why he paid, and so might chance upon a clue which in the end might show us where his income came from. as it is we have nothing to go upon; and i can't help thinking that he meant his bankers should have nothing to go upon; whether he intended that you should be in the same position is another question. the consequence is, as matters stand, i am bound to say so, my dear miss nora, it is no use blinking the truth----"

"please tell me what you believe to be the truth; pray don't what you call blink it."

"it is a perfectly fair deduction to draw that he had come to the end of his resources, whatever they may have been; quite conceivably the immediate cause of his illness was the consciousness that it was so; i am free to confess that, in this connection, the absence of the three thousand pounds, his usual quarterly payment into the bank, and, indeed, of any cash, is significant. i can only hope, miss nora, that you know something which will place the matter in quite a different aspect."

when the doctor ceased there was silence. mr. nash, fidgeting with his papers, seemed disposed to let his eyes rest anywhere rather than on the faces of his companions. miss harding, judging from her appearance, continually hovered on the verge of collapse; that no one noticed her condition showed how the others were preoccupied. of the four nora still bore herself as the one who was most at ease. she sat up straight; well back on her chair; her hands lying idle on her lap; a look upon her face which suggested an assurance which nothing they might say to her could touch; when she spoke she held her head a little back, with, in her wide-open eyes, what was almost the glint of a smile.

"i don't know what you call knowledge. i can only say that i am sure that you have not yet got to the root of the matter; that there is still something to be explained; because i am convinced that my father has left behind him a great deal of money."

"it is more than probable you are right; nothing will surprise me more than to learn that he hasn't; all that is wanted is a clue. tell us on what you found your conviction."

"it is not altogether easy, but i'll try." the faintest touch of colour tinged her cheeks. "you know i am engaged to be married. my father, in congratulating me, said that the fact that mr. spencer had no money wouldn't matter, because i should have enough for both. i am sure he would not have said that had it not been true; i know my father."

"in other words, he practically told you that, after he was gone, he would leave you well provided for."

"that was what it amounted to, yes."

"he said nothing about the quarter from which the provision was to come?"

"he said nothing except what i have told you; but, for me, that is enough."

"no doubt, miss nora, but what we want is something which will tell us where the money which he spoke of is to be found."

"it will be found."

"where? how? when? these questions must be answered."

"they will be answered, in god's good time."

the doctor gave an impatient gesture.

"i wish to say nothing in the least impious; but if it is to be in good time the answer must come now; before cloverlea is sold, and you are homeless."

"cloverlea--sold?" the notion seemed to startle her. "who talks of selling cloverlea?"

"my dear young lady, here's a creditor for over four thousand pounds, who writes to say that if his claim is not settled at once proceedings will immediately be taken against your father's estate----"

"four thousand pounds! to whom did my father owe four thousand pounds?"

"that's the worst of it; it's a money-lender."

"a money-lender?"

"the fellow holds your father's paper--promissory notes--to the amount of nearly four thousand five hundred pounds, which is now overdue; and he says he has other paper, which will mature shortly, to the extent of another five thousand pounds. and he is not the only one; claims have been raining in from similar gentry. it actually appears that your father owed them at least thirty thousand pounds."

"i don't believe it."

the doctor shrugged his shoulders.

"i found it hard to credit; but--there are the bills, accepted by your father; what do you suggest? that they are forgeries?"

"at present i suggest nothing; what can i suggest? but i do not believe that my father ever borrowed money from a usurer."

"i am afraid that this is not a matter with which we can deal as a question of belief; do you propose to contest these claims? if so, notice must be given at once; you must clearly understand what that would mean; you would have to prove that the signatures upon these bills, which purport to be your father's, are forgeries; i don't know in which event the consequences would be more serious, if you proved it or if you failed to prove it."

"how do the people who hold these bills pretend they got them?"

"guldenheim, who is the chief holder, is, in his way, a perfectly respectable man, and enormously rich. i called on him yesterday to put that question. he looked me up and down; and then observed that if payment was not made this week he should commence proceedings, when he would supply the court with all the necessary information; then he asked his clerk to show me to the door. i am afraid there was something in the manner in which i asked the question which he resented, and perhaps was entitled to resent."

"what will be the result if he does take proceedings?"

"probably in a short time you'll have the sheriff's officers in the house, and, perhaps before you've had time to turn round, you'll be left without a roof to cover you. whatever happens we must avoid that."

"how are we going to avoid it? how are we going to find money with which to pay these men?"

"my proposal is that the creditors should be called together all of them; we will explain to them exactly how matters stand; and then i think, for their own sakes, they will join with us in making the best of what your father has left."

"as you say that cloverlea is all that my father has left i presume that means that, in any case, cloverlea will have to be sold, that we, my home and i, are at the mercy of a gang of usurers."

"i am afraid i don't see what else is to be done."

"thank you; that is all i wish to know." she stood up, very erect; on her face there was still no sign of bitterness, only a quiet calmness, which was in strange contrast with the conspicuous lack of ease which marked the bearing of the others. "do not suppose," she said, in a voice which was very soft and gentle, "that i am not grateful to you both for all that you have done for me. i had thought it possible, mr. nash, that the share you were taking in straightening out my small affairs might be of permanent use to you; i hoped you would allow me to retain you as my lawyer; but it seems that's not to be, that i'm not likely to want a lawyer very long. i'm sorry for both our sakes. for the trouble you have taken, doctor, no words of mine can thank you; because you--you're my very dear friend, and i fear you'll insist on making my sorrows your own, and--and that mustn't be." she stopped, as if, for the moment, she was unable to continue; and then added, "i'll think over all that you have said."

without another word she left the room. the trio neither moved nor spoke some seconds after she had gone. then elaine harding started to her feet with what sounded like a sob of passion.

"it's cruel!" she cried. "cruel! i don't believe it's so bad as you make it out to be, i won't believe it! if mr. lindsay were still alive you wouldn't accuse him of the dreadful things you now pretend he's done, you wouldn't dare to do it!"

she rushed away in what seemed an agony of tears. the doctor stared at the door through which she had vanished; then he turned and stared at nash; then he laughed queerly.

"well! who'd have thought she'd such a temper! i like her better for it, the little whirlwind! she might as well have accused us of conspiracy to defraud miss lindsay; what do you think of that?"

"women," observed mr. nash, with downcast eyes, and a wry smile, "are capable of anything."