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'Pooh! Good-natured and easy enough, I daresay,'returned the other, 'a habit I had. It suited the Manager; it suited the man he managed: it suited me best of all. I did what was allotted to me to do, made no court to either of them, and was glad to occupy a station in which none was required. So I should have gone on till now, but that my room had a thin wall. You can tell your sister that it was divided from the Manager's room by a wainscot partition.'

'They were adjoining rooms; had been one, Perhaps, originally; and were separated, as Mr Morfin says,' said her brother, looking back to him for the resumption of his explanation.

'I have whistled, hummed tunes, gone accurately through the whole of Beethoven's Sonata in B,' to let him know that I was within hearing,' said Mr Morfin; 'but he never heeded me. It happened seldom enough that I was within hearing of anything of a private nature, certainly. But when I was, and couldn't otherwise avoid knowing something of it, I walked out. I walked out once, John, during a conversation between two brothers, to which, in the beginning, young Walter Gay was a party. But I overheard some of it before I left the room. You remember it sufficiently, perhaps, to tell your sister what its nature was?'

'It referred, Harriet,' said her brother in a low voice, 'to the past, and to our relative positions in the House.'

'Its matter was not new to me, but was presented in a new aspect.

It shook me in my habit the habit of nine-tenths of the world of believing that all was right about me, because I was used to it,' said their visitor; 'and induced me to recall the history of the two brothers, and to ponder on it. I think it was almost the first time in my life when I fell into this train of reflection how will many things that are familiar, and quite matters of course to us now, look, when we come to see them from that new and distant point of view which we must all take up, one day or other? I was something less good-natured, as the phrase goes, after that morning, less easy and complacent altogether.'

He sat for a minute or so, drumming with one hand on the table; and resumed in a hurry, as if he were anxious to get rid of his confession.

'Before I knew what to do, or whether I could do anything, there was a second conversation between the same two brothers, in which their sister was mentioned. I had no scruples of conscience in suffering all the waifs and strays of that conversation to float to me as freely as they would. I considered them mine by right. After that, I came here to see the sister for myself. The first time I stopped at the garden gate, I made a pretext of inquiring into the character of a poor neighbour; but I wandered out of that tract, and I think Miss Harriet mistrusted me. The second time I asked leave to come in; came in; and said what I wished to say. Your sister showed me reasons which I dared not dispute, for receiving no assistance from me then; but I established a means of communication between us, which remained unbroken until within these few days, when I was prevented, by important matters that have lately devolved upon me, from maintaining them'

'How little I have suspected this,' said John Carker, 'when I have seen you every day, Sir! If Harriet could have guessed your name '

'Why, to tell you the truth, John,' interposed the visitor, 'I kept it to myself for two reasons. I don't know that the first might have been binding alone; but one has no business to take credit for good intentions, and I made up my mind, at all events, not to disclose myself until I should be able to do you some real service or other. My second reason was, that I always hoped there might be some lingering possibility of your brother's relenting towards you both; and in that case, I felt that where there was the chance of a man of his suspicious, watchful character, discovering that you had been secretly befriended by me, there was the chance of a new and fatal cause of division. I resolved, to be sure, at the risk of turning his displeasure against myself which would have been no matter to watch my opportunity of serving you with the head of the House; but the distractions of death, courtship, marriage, and domestic unhappiness, have left us no head but your brother for this long, long time. And it would have been better for us,' said the visitor, dropping his voice, 'to have been a lifeless trunk.'

He seemed conscious that these latter words had escaped hIm against his will, and stretching out a hand to the brother, and a hand to the sister, continued: 'All I could desire to say, and more, I have now said. All I mean goes beyond words, as I hope you understand and believe. The time has come, John though most unfortunately and unhappily come when I may help you without interfering with that redeeming struggle, which has lasted through so many years; since you were discharged from it today by no act of your own. It is late; I need say no more to-night. You will guard the treasure you have here, without advice or reminder from me.'

With these words he rose to go.

'But go you first, John,' he said goodhumouredly, 'with a light, without saying what you want to say, whatever that maybe;' John Carker's heart was full, and he would have relieved it in speech,' if he could; 'and let me have a word with your sister. We have talked alone before, and in this room too; though it looks more natural with you here.'

Following him out with his eyes, he turned kindly to Harriet, and said in a lower voice, and with an altered and graver manner: 'You wish to ask me something of the man whose sister it is your misfortune to be.'

'I dread to ask,' said Harriet.

'You have looked so earnestly at me more than once,' rejoined the visitor, 'that I think I can divine your question. Has he taken money?

Is it that?'

'Yes.'

'He has not.'

'I thank Heaven!' said Harriet. 'For the sake of John.'

'That he has abused his trust in many ways,' said Mr Morfin; 'that he has oftener dealt and speculated to advantage for himself, than for the House he represented; that he has led the House on, to prodigious ventures, often resulting in enormous losses; that he has always pampered the vanity and ambition of his employer, when it was his duty to have held them in check, and shown, as it was in his power to do, to what they tended here or there; will not, perhaps, surprise you now. Undertakings have been entered on, to swell the reputation of the House for vast resources, and to exhibit it in magnificent contrast to other merchants' Houses, of which it requires a steady head to contemplate the possibly a few disastrous changes of affairs might render them the probably ruinous consequences. In the midst of the many transactions of the House, in most parts of the world: a great labyrinth of which only he has held the clue: he has had the opportunity, and he seems to have used it, of keeping the various results afloat, when ascertained, and substituting estimates and generalities for facts. But latterly you follow me, Miss Harriet?'

'Perfectly, perfectly,' she answered, with her frightened face fixed on his. 'Pray tell me all the worst at once.

'Latterly, he appears to have devoted the greatest pains to making these results so plain and clear, that reference to the private books enables one to grasp them, numerous and varying as they are, with extraordinary ease. As if he had resolved to show his employer at one broad view what has been brought upon him by ministration to his ruling passion! That it has been his constant practice to minister to that passion basely, and to flatter it corruptly, is indubitable. In that, his criminality, as it is connected with the affairs of the House, chiefly consists.'

'One other word before you leave me, dear Sir,' said Harriet.

'There is no danger in all this?'

'How danger?' he returned, with a little hesitation.

'To the credit of the House?'

'I cannot help answering you plainly, and trusting you completely,' said Mr Morfin, after a moment's survey of her face.