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bout the way ruin stared him in the face and the need there was for retrenchment, turning over a new leaf, facing facts and kindred things. Also, which was more important, he wrote to his wife's banker brother--he who had been instrumental in getting the papers sent in years ago. To this influential person he said a good deal about the state of the family finances, the need there was for clearing matters up and starting on a better basis, and his own determination to face things fairly and set to work in earnest. What kind of work was not mentioned; apparently that had nothing to do with the Captain's resolution; there was one thing, however, that was mentioned definitely--the need for the banker brother's advice--and pecuniary assistance. The answer to this letter was received on the same day as the news of Mr. Harding's engagement. It came in the evening, later than the news, and it was addressed to Mrs. Polkington, not the Captain; it assisted her in recognising that the end of the campaign had arrived. It said several unpleasant things, and it said them plainly; not the most pleasant to the reader was the announcement that the writer would himself come to Marbridge to look into matters one day that week or the next. Under these circumstances it is not perhaps so surprising that Cherie found it advisable to accept Mr. Brendon Smith's offer of marriage, and Mrs. Polkington found the impossibility of getting a trousseau in time no very great disadvantage. When Julia came home it wanted but a short time to Cherie's wedding. A great deal seemed to have happened since she went away, not only to her family, but, and that was less obviously correct, to herself. She stood in the drawing-room on the morning after her return and looked round her and felt that somehow she had travelled a long way from her old point of view. The room was very untidy; it had not been used, and so, in accordance with the Polkington custom, not been set tidy for two days; dust lay thick on everything; there were dead leaves in the vases, cigarette ash on the table, no coals on the half-laid fire. In the merciless morning light Julia saw all the deficiencies; the way things were set best side foremost, though, to her, the worst side contrived still to show; the display there was everywhere, the trumpery silver ornaments, all tarnished for want of rubbing, and of no more intrinsic value and beauty than the tinfoil off champagne bottles; the cracked
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