“He had been unfortunate,” said Miss Mackenzie, in an apologetic tone.

“And what will you do about your loan?” said Mr Slow, looking over to John Ball when he asked the question, as though inquiring whether all Miss Mackenzie’s affairs were to be talked over openly in the presence of that gentleman.

“That was a gift,” said Miss Mackenzie.

“A deed of gift,” thought John Ball to himself. “A deed of gift!”

“Oh, indeed! Then there’s an end of that, I suppose,” said Mr Slow.

“Exactly so. I have been explaining to my cousin all about it. I hope the firm will be able to pay my sister-in-law the interest on it, but that does not seem sure.”

“I am afraid I cannot help you there, Miss Mackenzie.”

“Of course not. I was not thinking of it. But what I’ve come about is this.” Then she told Mr Slow the whole of her project with reference to her fortune; how, on his death-bed, she had promised to give half of all that she had to her brother’s wife and family, and how she had come there to him, with her cousin, in order that he might put her in the way of keeping her promise.

Mr Slow sat in silence and patiently heard her to the end. She, finding herself thus encouraged to speak, expatiated on the solemnity of her promise, and declared that she could not be comfortable till she had done all that she had undertaken to perform. “And I shall have quite enough for myself afterwards, Mr Slow, quite enough.”

Mr Slow did not say a word till she had done, and even then he seemed to delay his speech. John Ball never raised his face from his umbrella, but sat looking at the lawyer, whom he still suspected of roguery. And if the lawyer were a rogue, what then about his cousin? It must not be supposed that he suspected her; but what would come of her, if the fortune she held were, in truth, not her own?

“I have told my cousin all about it,” continued Margaret, “and I believe that he thinks I am doing right. At any rate, I would do nothing without his knowing it.”

“I think she is giving her sister-in-law too much,” said John Ball.

“I am only doing what I promised,” urged Margaret.

“I think that the money which she lent to the firm should, at any rate, be deducted,” said John Ball, speaking this with a kind of proviso to himself, that the words so spoken were intended to be taken as having any meaning only on the presumption that that document which he had seen in the other room should turn out to be wholly inoperative and inefficient at the present moment. In answer to these side-questions or corollary points as to the deduction or non-deduction of the loan, Mr Slow answered not a word; but when there was silence between them, he did make answer as to the original proposition.