Hester. Volume 1 of 3. Oliphant Margaret

understand banking business?"

      But this did not satisfy the respectable firm of solicitors who advised the banker.

      "Miss Vernon is not a girl any longer," said Mr. Pounce, who was its head; upon which John Vernon laughed, one of those offensive laughs with which a coarse-minded man waves the banner of his sex over an unmarried woman.

      "No," he said, "Catherine's growing an old maid. She must look alive if she means to get a husband."

      Mr. Pounce was not a sentimentalist, and no doubt laughed sometimes too at the unfortunate women who had thus failed in the object of their life; but he respected Miss Vernon, and he was very doubtful of her cousin.

      "Husband or no husband, I think she ought to be consulted," he said.

      "Oh, I will take Catherine in my own hands," was the cousin's reply.

      And thus life went on, very gay, fast, amusing, and expensive on one side; very quiet and uneventful on the other. John Vernon built himself a grand new house, in which there were all the latest improvements and scientific luxuries, which the most expensive upholsterers filled with the most costly furniture, and for which the skilfullest gardeners all but created ready-made trees and shrubberies. He filled it with fine company – names which the clerks at the bank felt were a credit to the establishment, and which the townsfolk looked upon with admiring awe: and there was nothing in the county to equal Mrs. John Vernon's dresses and diamonds. What is all that to a great bank, gathering money every hour? – nothing! Even Mr. Pounce acknowledged this. Personal extravagance, as long as it is merely hospitality and show, must go a very long way indeed before it touches the great revenue of such a business. It was not the diamonds nor the feasts that they were afraid of. But to be lavish with money is a dangerous fault with a man who is a business man. It is a very common sin, but there is nothing more perilous. In Manchester or Liverpool, where they turn over a fortune every day, perhaps this large habit of sowing money about does not matter. People there are accustomed to going up and down. Bankruptcy, even, does not mean the end of the world in these regions. But a banker in a country town, who has all the money of a district in his hands, should not get into this reckless way. His clients are pleased – up to a certain limit. But when once the first whisper of suspicion has been roused it flies fast, and the panic with which rural depositors rush upon a bank which has awakened the ghost of an apprehension, is even more cruel and unreflecting than other panics. It went on a long time, and where it was that the first suggestion came from, nobody ever knew. Probably it did not come from any one – it was in the air, it struck two people, all at once, talking to each other, and the electricity of the contact found a single syllable of utterance. When that was done, all was done. Everybody had been waiting for this involuntary signal; and when it came, it flew like lightning through all Redborough, and out into the roads and lanes – to distant farmhouses, into the rectories and vicarages, even to the labourer's cottage. "It's said as Vernon's bank's a-going to break," the ploughmen in the fields said to each other. It did not matter much to them; and perhaps they were not sorry that the farmer, who grew fat (they thought) on their toil, should feel that he was also human. The farmers had something of the same feeling in respect to their landlords, but could not indulge it for the furious terror that took possession of themselves. Vernon's bank! Safer than the Bank of England, was what they had all said exultingly. Very few of them had sufficient command of themselves to wait now and inquire into it and see how far the panic was well founded. To wait would have been to leave the chance of salvation to other men.

      Mrs. John Vernon was considered very refined and elegant according to the language of the day, a young lady with many accomplishments. But it was the fashion of the time to be unpractical just as it is the fashion of our time that women should understand business and be ready for any emergency. To wear your hair in a high loose knot on the top of your head, with ringlets straying down your cheek, and across the always uncovered whiteness of your shoulders, and to sing the songs of Mr. Haynes Bayley, "Oh no, we never mention her," or "The Soldier's Tear" – could anything be more entirely inconsistent with business habits? Mrs. John would have considered it a slight to the delicacy of her mind to have been supposed to know anything about the bank; and when the head clerk demanded an audience at an unseasonable hour one summer evening she was entirely taken aback.

      "Me! do you mean that it is me Mr. Rule wants to see?" she asked of the servant in consternation.

      "He did ask for master, ma'am," said the man, "but as master's from home he said he must see my lady. He looks very flustered. I'll say that for him," he added.

      To be sure William had heard the whisper in the air, and was more or less gratified that Mr. Rule should be flustered; but as for his lady, she saw no connection whatever between Mr. Rule's excitement and herself.

      "I do not see what good I can do him, William; and it's not an hour at which I ever receive people. I am sure I don't know what he can want with me."

      "It's business, I think, ma'am," said the servant, with a little eagerness. He wanted immensely himself to know what it was, and it did not occur to him as possible that his mistress, so much more interested than he, should be without anxiety or concern.

      "Business!" said Mrs. John, "what do I know about business? However," she added, "if he is so desirous, perhaps you had better show him up. Your master is always pleased when I pay a little attention to the clerks. He says it does good."

      "Yes, ma'am," said William.

      Being a reasonable human creature he was touched in spite of himself by the extraordinary sight of this poor, fine lady, sitting in her short sleeves on the edge of the volcano, and knowing nothing about it. It was too bad of master, William thought, if so be – To leave the poor lady entirely in the dark so that she did not know no more than a baby what the clerk could want with her. William speculated, too, on his own circumstances as he went down stairs. If so be – It was a good place, and he would be sorry to lose it. But he remembered that somebody had said the Sandersons were looking out for a butler.

      "Mrs. Vernon will see you, sir," he said in the midst of these thoughts; and Mr. Rule followed him eagerly up stairs.

      But what could Mrs. John do? Her dress was spotted muslin, as most dresses were in those days; it was cut rather low on the shoulders, though she was not dressed for company. She had pretty little ringlets falling upon her cheeks, and short sleeves, and a band round her waist with a shining clasp. She was considered brilliant in conversation, and sang, "We met, 'twas in a crowd," and the songs previously mentioned, with so much feeling that people had been known to weep as they listened. The clerk had heard of all these accomplishments, and as he hurried in, his eye was caught by the harp in its corner, which was also one of the fashions of the time. He could not help being a little overawed by it, notwithstanding his dreadful anxiety. Poor lady! the thought passed through his mind as similar thoughts had passed through William's – Would all this be sold away from her? White muslin dresses with low necks have the advantage that they quite seem to separate their wearers from everyday life. We have no doubt that the dying out of chivalry, and the way in which women nowadays insist on doing their own business, and most likely other people's too, is in great part to be put down to high dresses and long sleeves. In these habiliments a lady looks not so very much different from other people. She feels herself free to go into common life. But Mrs. John sat there helpless, ignorant, quite composed and easy in her mind, with pretty feet in sandalled slippers peeping from under her dress. Mr. Rule had time for all this distressed, regretful sympathy before he could stammer out in a hurry his anxious question – or rather his hope – that Mr. Vernon would be home to-morrow – early?

      "I am sure I don't know," said Mrs. John. "It would be scarcely worth his while to go away if he was to be back so soon. He said perhaps to-morrow, but more likely next week."

      "Next week!" cried Mr. Rule; "then he may just as well stay away altogether; it will then be too late."

      "Dear me!" said Mrs. John, politely, willing to show an interest; but she did not know what more to say.

      "Perhaps you know where he is, ma'am?" said the anxious clerk: for this was the time when people said ma'am. "We might send an express after him. If he were here, things might still be tided over. Excuse me, Mrs. Vernon, but if you can give me any information – "

      "Dear me,"