Mrs Burton took her new problem away with her into the quiet of her room. It was a question which had never occurred to her before. Some few first principles even an inquiring mind like hers must take for granted, and this had been one of them. She had no love for money, and no contempt for it – it was a mere commonplace necessity, not a thing to be discussed; and though she had a high natural sense of honour and honesty, in her own person, it had not occurred to her to consider that in such a matter she had anything to do but to accept the arrangement which was according to law and common custom, an arrangement which, of course, had been made (theoretically) in view of a calamity such as had just happened. It was the intention of her settlement, and of all settlements, she said to herself, to secure a woman against the chances of her husband's ruin. She, in most cases, was entirely irresponsible for that ruin. She had nothing to do with it, and was unable to prevent it. She had married with the belief that she herself and her children would be provided for, and the first duty of her friends was to make sure that it should be so. Up to this point there was no flaw in the argument. Mrs Burton knew that she had brought her husband a good fortune; and her future had been secured as an equivalent. It was like buying a commission – it was like making an investment. She had put in so much, she had a right to secure to herself absolutely the power of taking it out again, or recovering what had been hers. Mr Burton had not incurred his liabilities with her knowledge or consent; he had never consulted her on the matter. He had never said or even hinted to her that her expenditure was too great, that he could not afford it. True it was possible that fastidious persons might blame her for proceeding so long on her splendid course, after hints and rumours had reached her about her husband's position; but these were nothing more than rumours. She had no sort of official information, nothing really to justify her in making a sudden change in her household, which probably would have affected Mr Burton's credit more than her extravagance. She was in no way responsible. She had even protested against the re-introduction of Golden into his affairs. She could not blame herself for anything she had done; she had always been ready to hear, always willing to give him her advice, to second him in any scheme he propounded to her. She put herself at the bar, and produced all the evidence she knew of, on both sides of the question, and acquitted herself. The money she could have saved by economy was not worth considering in the magnitude of Mr Burton's affairs. She had done nothing which she could feel had made her his accomplice in his wrong-doing.

And she had no right to balk her father in his care for her – to establish a bad precedent in regard to the security of marriage settlements – to put it in the power of any set of creditors to upbraid some other woman whose view of her duty might be different. She had no right to do it. She had to think not of herself only, but of all the married women who slept serenely in the assurance that, whatever happened, their children's bread was secure. She reflected that such a step would put an end to all security – that no woman would venture to marry, that no father would venture to give his child to a man in business, if this safeguard were broken down. It would be impossible. It would be a blow aimed at the constitution of the country – at the best bulwark of families; it would be an injustice. Of all a commercial man's creditors, surely his wife was the one claimant who had most right to come first. Others might be partially involved; she had put everything in his hands. Without this safeguard she would not have married him, she would not have been permitted to marry him. Going over the question carefully, Mrs Burton felt, beyond a shadow of a doubt, that she had right on her side.

She had right on her side – but she had not Ned. This was a very different matter – an argument such as she had scarcely ever taken into consideration before. Mrs Burton did not disdain the personal argument. She knew that in the confused state of human affairs, in the intricate range of human thoughts, it was often impossible to go upon pure reason, and that personal pleas had to be admitted. But she had never consciously done this before. She was almost scornful of her own weakness now. But she could not help herself. She had to suffer the entrance of this great personal argument, if with a mental pang yet without resistance. She loved her son. All that reason could do for her, all the approbation of her own judgment, the sense of right, the feeling that her position was logically unassailable, would not be enough to console her for the illogical, unreasoning disapproval of her boy. For the first time in her life, with a great surprise, this certainty seized upon her. Up to this time she had gone her own way, she had satisfied herself that she was right according to her own standard, and she had not cared what any one said or thought. But now all at once, with wonder, almost with shame, she found that she had descended from this high eminence. A whole host of foolish, childish, unreasonable principles of action, inconsequences, and stupidities were suddenly imported into her mental world by this apparition of Ned. Not the most certain sense of right that reasoning creature ever had, would neutralise, she felt, that pained and wondering look in her son's eyes. If he disapproved it would be a cold comfort to her that reason was on her side. If this indignant, impatient, foolish young soul protested against her that what she did would not bear comparing with some fantastic visionary standard which he called honour, what would it avail her that by her own just standard of weight and measure she was not found wanting? Thus all Mrs Burton's principles and habits, her ways of thinking, the long-exercised solitary irresponsible power of her intelligence, which had guided her through life for forty years, were all at once brought to a sudden stand-still by the touch, by the breath of that thing called Love, which, she knew not how, had suddenly come in upon her like a giant. This new influence paralysed the fine, delicate, exquisite machinery, by which hitherto all her problems had been worked out. She tried to struggle against it, but the struggle was ineffectual. It was the first time she had felt herself, acknowledged herself, to be acting like a fool! What then? She could not help it. Even in the clear, cold daylight of her mind the entrance of this new force, all shadowy, mysterious, wonderful, could not be contested. She threw down her arms once more. She had been beaten terribly, miserably in the battle of her life – she was beaten sweetly, wonderfully now, in a way which melted her hardness and made the disused heart beat and tremble strangely within her, in the other world where reason hitherto had reigned supreme.

But nothing more was said on the subject for some time. Next morning brought letters, which roused the little party once more into excitement. There was one from Mr Burton, informing his wife that he had got safely to France by a way little used, and was now in the small seaport of St Servan, awaiting letters from his family, and their advice as to what was best. He had not meant to go there, but a chance encounter with Golden at the station had driven him to take the down-train instead of the up-train. He would remain there if he could, he added, until he heard from home; but if any alarm came would hasten across the country to Brest, from whence he could get off to America. Mr Burton did not say a word of apology or explanation, but he begged to have news 'of all,' to be told 'how people were taking it,' and to have the newspapers sent him. He added in a P.S. the following question: 'By the way, what could Golden be doing at Turley Station, seven miles from Dura, at four o'clock in the morning? And who could the lady be who was with him? If you hear anything on this subject, let me know.'

Clara's letter was from Windermere. It was full of effusiveness and enthusiasm, hoping that dearest mamma would forgive them. Papa, Charles had told her, was not likely to be in a position to forgive any one, but would want it himself, which was very dreadful; but was it not beautiful of Charles, and showed how generous and true he was, that papa's ruin made no difference to his feelings? This reflection, Clara said, made her so happy, that she felt as if she could even forgive papa – for if he had not been so rash and so wicked she never would have known how much her dear Charles loved her. They were coming back to London in a fortnight from this heavenly lake, and would start then on a roundabout journey to Charles's delightful 'place' on the Mediterranean. And, oh! Clara hoped with effusion, dearest mamma would see them, and forgive them, and believe that she never had been so happy in her life as when she signed herself dear mamma's ever affectionate Clara Golden. These were the letters that came to the little party at Dura on the morning after Ned's arrival. They were received with very different feelings by the three. Mr Baldwin, on the whole, was pleased. He was pleased with the 'love to grandpapa,' with which Clara wound up her letter; and he was glad the child was happy at least. 'What is done cannot be undone,' he said; 'and that is quite true about there being nothing mercenary in it, you know.' Mrs Burton gave a faint smile as she laid the letters down one after another. They were just such letters as she expected. Had she been alone, perhaps, she would have tossed them from her in scorn, as she had done with the previous notes; but that had been in a moment of strong excitement, when she was not full mistress of herself; and what was the good, Mrs Burton thought, of quarrelling with your own whom you cannot alter; or of expecting sense and good taste where such qualities did not exist? From these two, her husband and her daughter, she did not expect any more.

But poor Ned was utterly cast down by these epistles. He asked himself, as Norah had done when Mr Rivers left her at the door of the Academy's Exhibition, was this natural? was this the way of the world? and, like Norah, felt his own distress doubled by the horrible thought that to think of your own comfort first and above all, and to be utterly unmoved by the reflection that you have caused untold misery to others, is the natural impulse of humanity. He was so sad, and looked so humbled, that his mother's heart was penetrated in her new enlightenment by a strange perception of how he was feeling. She was not so feeling herself. The sight of selfishness, even on so grand a scale, did not surprise nor shock her; but she felt what he was feeling, which was as strange to her as a new revelation. The family at Dura during these days were like a beleaguered city – they lived encircled in a close round, if not of enemies, yet of observant, watchful spectators, who might become enemies at any moment, who might note even the postmark on their letters, and use that against them. Whenever a step was heard approaching the door, a little thrill went through them. It might be some one coming to announce deeper misfortune still. It might be some one who dared to be insolent, some one who had a right to curse and denounce. The tension of their nerves was terrible, the strain of watchfulness, and the pain of standing secretly and always on their defence.

'Let us go, let us go, Clara, I cannot stay here any longer; now that we know where to write to them, let us go,' cried Mr Baldwin after the letters had been read and discussed; and then the old man went out to take a melancholy walk, and ponder what it would be best to do. Should they go back to Clapham? or should he take his poor child away somewhere for 'change of air'? If ever any one wanted change of air surely Clara must.

'Ned, come here,' said Mrs Burton, when they were left alone. He went and sat down by her, listless, with his hands in his pockets. Notwithstanding the joy of last night, the letters, the shame and ruin and misery, had overwhelmed Ned.

'I have been thinking over what you said yesterday about my settlement,' said his mother. 'Ned, in one way your grandfather was right. It is the equivalent to my fortune. It was the foundation of our family life – without that I should not have been permitted to marry; I should not probably have chosen to marry. To give up that is to make an end of all the securities of life – I speak as arguing the question.'

'How can

argue the question?' cried Ned. 'What have the securities of life mattered to the others, who had no connection with – with my father? He was nothing to them but a man of business. They trusted him, and they have nothing left.'

'Yes, Ned; but if one of them had been a secured creditor, as it is called, you would not have expected him to give up his security, in order to place himself on an equal level with the others. The most visionary standard of honour would never demand that.'

'We are not secured creditors. We are part of him, sharing his responsibility,' cried Ned bitterly, 'sharing his shame.'

'But we are the first of all his creditors, all the same, in justice; and our debt is secured. Ned, I do not say this is what I am going to do; but I think, according to my judgment, your grandfather is right.'

'Then, mother – ' He had risen up, his face had grown very pale, his nostrils dilated, his eyes shining. She who had never been afraid for anything in her life was afraid of her son – of his indignation, of his wrath. She put out her hand, half appealing, half commanding, to stop him. She caught at him, as it were, before he could say another word.

'Ned, hear me out first! I approve of it as a matter of justice. I think we have no right to set up a new standard to make a rule for other women in my position. There will always be such, I suppose. The settlement itself was simply a precaution against this possible thing – which has happened. But I do not say I mean to act according to my opinion. That is different. I have – thought it over, Ned.'

'Mother,' he said, melting almost into tears, and taking her hand into his, 'mother! you who are so much wiser than I am – you are going to let yourself be guided by me?'

'Yes,' she said. 'I don't quite make myself out, Ned. I have always taken my own way. Mine is the right way, the just way; but perhaps yours is the best.'

'Mother, mother dear! I am awfully miserable; but I feel as if I could tell you how happy I am, now.'

And, without another word of preface, without a pause to hear her out, without even observing the bewildered look as of one stopped in mid-career with which she regarded him, Ned dashed into the story of his own love, of his despair and his joy. She listened to him with her blue eyes dilating, looking out of her pale face like stars out of a winter sky – suddenly stiffened back into a little silent stone-woman. She was bewildered at first and thrown off her balance. And then gradually, slowly, the new impatience and faith that had been born of love died in her, and the old, cold, patient toleration, the faint smile, came back. It was natural. His own affairs, of course, were the closest to him. He thought of his private story first, not of hers. She had never subjected herself to such a shock before, and did not know how hard it was to bear. Well! but what of that? That was her own folly, not any one else's. She had put aside her armour, thrown open her breast, for the first time; and if an arrow, barbed and sharp, was the first thing that came to it, that was but natural – it was her own fault. She sat, therefore, and listened with the faint smile even now stealing about her lips – a smile that was half at herself, half at human nature, thus once more, once again, proving itself. And Ned, who had felt so bitterly the absorption of his father and sister in their own affairs, their indifference to the feelings of others – Ned did the same. He slurred over the sacrifice which his mother, at no small cost, was bending her own will to make, and rewarded her by the story of his own boyish happiness – how Norah had cast him off once, how she loved him now. This was the best, the only return he could make to her. From her own serious, weighty purpose, which involved (she felt) so much, he led her aside to his love-tale, of which, for the moment at least, it was madness to expect that anything could come.

'But you don't say anything?' he said at last, half offended, when he had done – or rather when her failure of response had stopped the fulness of his speech.

'I don't know what I can say,' she answered, with a coldness which he felt at once. 'This seems scarcely the time – scarcely the moment – '

'Of course,' he said hurriedly, 'I do not expect nor hope that it can be very soon.'

'No one, I should think, would be so mad as to expect that,' said his mother; 'and these long, aimless engagements, without any visible end – '

'I do not see how my engagement can be thought aimless,' he said, growing hot.

'Not in your own mind, I suppose; but, so far as anything like marriage is concerned, considering the state of affairs generally, I do not see much meaning in it,' said Mrs Burton coldly. 'Your prospects are not brilliant. It was only last night, for instance, that you proposed to burden yourself with me.'

'Mother!'

'It is quite true. In answer to your grandfather's sensible question how I was to live, you answered: with you. Did you mean, upon some hypothetical engagement, whatever you may happen to get, to support a wife – and me?'

He made no answer. A hot flush of mingled anger and pain came over him; he was wrong somehow; he did not quite see how. He had missed the right way of making his announcement, but still it was not his fault. He could not see how he was to blame.

'You must not be surprised in these circumstances if I cannot make any very warm congratulations,' she added. 'Make your mind easy, however, Ned. I never intended to be a burden on you; but even without that – '

'What have I done, mother, that you should speak to me so?' he cried. 'You were so different just now. It is not for Norah's sake? No one could dislike Norah. What have I done?'

'Nothing,' she said; and then, with that faintest smile, 'you have acted according to your nature, Ned – like the rest. I have no reason to complain.'

Then there was a pause. He was a generous, tender-hearted boy, full of love and sympathy; but he had never so much as imagined, could not imagine, the state of feeling his mother had been in – and, accordingly, could not understand where he was wrong. Wrong somehow, unknowingly, unintentionally – puzzled, affronted, sore at heart – he went away from her. Was it mere caprice on her part? What was it? So it happened that the boy put his foot upon his mother's very heart; and then strained all his faculties, anxiously, affectionately, to find out what had made her countenance change, and could not, with all his efforts, discover what it was.

The smile remained on Mrs Burton's face when she was left alone. He had declined to hear her decision about the settlement. Was it not natural that she should reconsider it, now that she found how little interest he took in the matter? But it is easier to let that intruder Love, who disorders reason, into a woman's heart than to turn him out again. She did again another novel thing; she made a compromise. She sent for her father at once, and entered into the matter with him. 'I allow that all you say is perfectly just,' she said; 'but this is, partly, a matter of feeling, papa.' She smiled at herself as she said it, but yet did say it, without flinching. 'I will keep a portion of my settlement – say half. It is, as you said, the only thing I have to depend on.'

'My dear,' said poor Mr Baldwin, 'of course you have always me to depend on. You are my only child. What I have must come to you, Clara.'

'But I don't want it to come to me, papa.'

'No, that I am sure you don't; but what is the use of my money to me, but to make my child and her children comfortable – that is excepting, Clara – always excepting what I feel bound to do – what I have always done – in the cause of – God. But, all the same, I cannot approve of any sacrifice of your rights.'

'I would rather not say any more about it,' she said.

And thus for the moment the discussion terminated. Ned went down to the village again, and was made happy, almost quite happy, by a talk with Norah; and they went over together to the Rectory, and told Mrs Dalton, as a substitute for the absent mother, and were very wretched and very happy together over their miserable prospects and their rapture of early love. Norah, however, was sorry that he had told his mother so prematurely. 'She will think it heartless of us, Ned, to think of being happy when she must be so miserable. Oh, I would have broken it to her very gently. I would have told her how it happened – by accident – that we did not mean anything. Oh, Ned, boys are always so awkward. You have gone and made her think!'

'If you were to come and talk to her, Norah – '

'No, indeed. What am I to her? A little upstart thing, thrusting myself in, taking away her son. Oh, Ned, how could you? Go and give her a kiss, and say we never meant it. Say I would never, never think of such a thing while everybody is in such trouble. Say we are so sorry – Oh, Ned! how can you, you who are only a boy, be half sorry enough?'

With which salutary bringing down Ned went home, and was very humble to his mother and very anxious to win back her confidence – an attempt in which he partly succeeded; for, having once begun to open her heart, she could not altogether close it; and a new necessity, a new want, had developed in her. But he never made his way back entirely into that place which had been his for a moment, and which he had forfeited by his own folly. He never quite brought back the state of mind in which she had considered that matter of the settlement first. Next day Mrs Burton left Dura with her father, 'on a visit,' it was said; and Ned went to town, 'to see after' his father's affairs. Poor boy! there was not much that he could see after. He worked hard and laboriously, under his grandfather's directions and under the orders of the people who had the winding-up of Mr Burton's concerns in hand; but he had not experience enough to do much out of his own head; and it was in this melancholy way that his knowledge of business began.

And poor little Norah, alone in the Gatehouse, went and poured out her heart to Mr Stephen, who listened to her with a heart which throbbed to every woe of hers. A great woe was hanging over the Haldanes, a trouble which as yet they but dimly foresaw. Burton had ruined them in his prosperity, and now, in his downfall, was about to drag them still lower. Already the estate of Dura was in the market, with its mansion, and grounds, and woods, and farms – and the Gatehouse. They had got to feel that the Gatehouse was their home, and all Stephen's happiness was connected with that window, with the tailor and shoemaker who took their evening walks on the other side of the way, with the rector and his morning discussions, even with old Ann in her market cart. And how was he now to go away and seek another refuge? Heavy were the hearts in the Gatehouse. Norah, when Ned had gone, was overwhelmed by terrors. Fears lest her mother should not approve, wonderin