taking it. Fellows I know are always
pleased with presents--or a tip, nobody refuses a tip. And that is just
the same sort of thing, you know."

"Not just the same," said Lucy, "for a tip--that means a sovereign,
doesn't it?"

"It sometimes means--paper," said Jock, with some solemnity. "Last time
you came to see me at school Sir Tom gave me a fiver----"

"A what?"

"Oh, a five-pound note," said Jock, with momentary impatience; "the
other's shorter to say and less fuss. MTutor thought he had better not;
but I didn't mind. I don't see why anybody should mind. There's a fellow
I know--his father is a curate, and there are no end of them, and
they've no money. Fellow himself is on the foundation, so he doesn't
cost much. Why they shouldn't take a big tip from you, who have too
much, I'm sure I can't tell; and I don't believe they would mind," Jock
added, after a pause.

This, which would have inspired Lucy in the days of her dauntless
maidenhood to calculate at once how much it would take to make this
family happy, gave her a little shudder now.

"I don't feel as if I could do it," she said. "I wish papa had found an
easier way. People don't like you afterwards when you do _that_ for
them. They are angry--they think, why should I have all that to give
away, a little thing like me?"

"The easiest way would be an exam.," said Jock. "Everybody now goes in
for exams.; and if they passed, they would think they had won the money
all right."

"Perhaps there is something in that, Jock; but then it is not for young
men. It is for ladies, perhaps, or old people, or----"

"You might let them choose their own subjects," said the boy. "A lady
might do a good paper about--servants, or sewing, or that sort of thing;
or housekeeping--that would be all right. MTutor might look over the
papers----"

"Does he know about housekeeping?"

"He knows about most things," cried Jock, "I should like to see the
thing he didn't know. He is the best scholar we have got; and he's what
you call an all-round man besides," the boy said with pride.

"What is an all-round man?" Lucy asked, diffidently. "He is tall and
slight, so it cannot mean his appearance."

"Oh, what a muff you are, Lucy; you're awfully nice, but you are a muff.
It means a man who knows a little of everything. MTutor is more than
that, he knows a great deal of everything; indeed, as I was saying,"
Jock added defiantly, "I should just like to see the thing he didn't
kno