It was nine o\'clock next morning. Captain Verinder, with his hands clasped behind his back and downcast eyes, was pacing the courtyard of the hotel, which was ornamented with a double row of orange-trees and myrtles in green tubs, and had one end roofed with trellis work festooned with a vine, the leaves of which were now turning brown and golden, and under which were ranged a number of rustic seats interspersed with small marble-topped tables. Presently Luigi, for whom his uncle had been waiting, made his appearance, looking very sallow and cadaverous, while the dark half-circles under his eyes bore mute witness to the sort of night he had spent.

"Don\'t be afraid that I am about to reproach you for your insensate folly," began his uncle. "Your conscience will do that far more effectually than any words of mine. Besides, I hold myself greatly to blame for bringing you here in the first instance, and it is perhaps no more than just that I should have to put up with the consequences equally with yourself. I have been going into cash matters this morning and find that when our hotel bill has been discharged, we shall have about fifteen pounds left, all told. Now, if you can reveal to me by what miracle of economy two people can contrive to spend a month in Switzerland without exceeding that amount, I shall be much obliged to you."

"Of course it can\'t be done," said Luigi sulkily. "There\'s nothing for it but to go back home."

"Oh, indeed. And in that case how, pray, shall we excuse ourselves to Sir Gilbert Clare?"

"Why need he know that we have returned? Why can\'t we lie quietly by in London till the month has come to an end?"

"For a very simple reason," returned the Captain drily. "Have you forgotten that your grandfather looks to receive a letter from you every few days while you are away? Now, supposing you were to send him a note professedly written from Lausanne, or Geneva, with merely the London postmark on it, what would happen then?"

"I had forgotten all about having to write to the old boy," said Luigi with a smothered imprecation.

"On the other hand," resumed the Captain, "it would be madness to go to him and frankly confess our sins. He would never forgive either of us, and he would regard me, perhaps rightly, as being by far the bigger sinner of the two."

"In that case, what\'s the best thing to do?"

"Upon my word, I haven\'t the ghost of an idea. It\'s a bad lookout all round. Nowhere can I discern a way out of our quandary. But let\'s to breakfast with what appetite we may. A hungry stomach is never a good counsellor."

It seemed as if the Captain was destined to encounter people whom he knew. As he was crossing the entrance-hall after breakfast he met a man face to face whom he had not seen for some time. He was Mr. Henriques, the money-lender, who, in days gone by, when Verinder was going gaily down hill but had not yet reached the bottom, had more than once helped him to tide over a temporary difficulty. Both the men now came to a halt and each asked the other what had brought him there. The money-lender was not one of those who have no eyes for a man because he happens to have come down in the world; such men have their uses, as no one knew better than he. More than once since his own collapse Verinder had been enabled to introduce "business" to him, and had not been above accepting a commission for doing so.

"Can you spare me ten minutes?" queried the Captain. "Willingly, if you\'ll wait till I\'ve breakfasted," replied the other. "I\'ll join you on the smoking-room balcony in half an hour."

The Captain and Luigi were just in time to catch the midday train. They both looked jubilant, and well they might, for Mr. Henriques had come to their rescue. The Captain had introduced Luigi to him and had frankly explained how they came to be "cornered." (He had always found it advisable to deal frankly with Mr. Henriques.) When the money-lender had satisfied himself, which a few leading questions enabled him to do, that Luigi was really the grandson of Sir Gilbert Clare of Withington Chase, he made no difficulty about advancing him a hundred pounds on the joint note of hand of himself and his uncle. For the time being they were saved, and just then they did not permit any thought of the future to mar their content.

It does not come within the scope of our design to accompany them in their wanderings from place to place. It will be enough to say that they made good use of their time and spent their money with a free hand. Indeed, it was owing to the latter circumstances that they found themselves back in London some days before they were due there, paucity of funds having compelled them to cut short their tour, a fact which they deemed it advisable to keep from the knowledge of Sir Gilbert. Accordingly it was arranged that Luigi should quarter himself for a few days on his uncle, and that the two should then travel down to the Chase as if they had just come straight through from the Continent.

But on reaching the Captain\'s rooms a very disagreeable surprise awaited them. Mr. Henriques was dead, and the executors on whom devolved the winding up of his affairs wrote, not merely to acquaint Captain Verinder with that melancholy fact, but also to give him notice that the bill at thirty days (the late Mr. H. had declined to have it drawn for a longer period, but had hinted that a renewal might perhaps be arranged) for one hundred and twenty pounds, principal and interest, bearing the joint signatures of himself and Mr. Lewis Clare, would have to be met in due course, and that, under the circumstances, any renewal of it was out of the question.

Never were two men more dumfoundered. They had eaten their cake and enjoyed it, and now the reckoning must be paid. They were no better off than they had been at Brussels; indeed, they were worse off to the extent of twenty pounds, and, now as then, their predicament was such that, of all people in the world, Sir Gilbert was the last whose ears it must be allowed to reach. It was indeed a sorry h............