And then her fancies went vagabondising off to that little archetype of a cottage on the heights of Wimbledon-common, in which she and Valentine were to live when they were married. She was always furnishing and refurnishing this cottage, building it up and pulling it down, as the caprice of the moment dictated. Now it had bow-windows and white stuccoed walls—now it was Elizabethan—now the simplest, quaintest, rose-embowered cottager's dwelling, with diamond-paned casements, and deep thatch on the old gray roof. This afternoon she amused herself by collecting a small library for Valentine, while waiting Mr. Sheldon's next observation. He was to have all her favourite books, of course; and they were to be bound in the prettiest, most girlish bindings. She could see the dainty volumes, primly ranged on the little carved oak bookcase, which Valentine was to "pick up" in Wardour-street. She fancied herself walking down that mart of bric-a-brac arm-in-arm with her lover, intent on "picking up." Ah, what happiness! what dear delight in the thought! And O, of all the bright dreams we dream, how few are realised upon this earth! Do they find their fulfilment in heaven, those visions of perfect bliss?

Mr. Sheldon looked up from his desk at last. Miss Halliday remarked to herself that his face was pale and haggard in the chill wintry sunlight; but she knew how hard and self-denying a life he led in his stern devotion to business, and she was in no manner surprised to see him looking ill.

"I want to say a few words to you on a matter of business, Lotta," he began, "and I must ask you to give me all your attention."

"I will do so with pleasure, papa, but I am awfully stupid about business."

"I shall do my best to make matters simple. I suppose you know what money your father left, including the sums his life had been insured for?"

"Yes, I have heard mamma say it was eighteen thousand pounds. I do so hate the idea of those insurances. It seems like the price of a man's life, doesn't it? I daresay that is a very unbusiness-like way of considering the question, but I cannot bear to think that we got money by dear papa's death."

These remarks were too trivial for Mr. Sheldon's notice. He went on with what he had to say in the cold hard voice that was familiar to his clerks and to the buyers and sellers of shares and stock who had dealings with him.