The school, taken to by Mr. Blair, was in one of the suburbs of London. It may be as well not to mention which of them; but some of the families yet living there cannot fail to remember the circumstances when they read this. For what I am going to tell you of is true. It did not happen last year; nor the year before. When it did happen, is of no consequence to any one.

When Pyefinch Blair got into the house, he found that it had some dilapidations, which had escaped his notice, and would have to be repaired. Not an uncommon case by any means. Mr. Blair paid the four hundred pounds for the school, including the furniture and good-will, and that drained him of his money. It was not a bad bargain, as bargains go. He then had the house put into fair order, and bought a little more furniture that seemed necessary to him, intending that his boys should be comfortable, as well as the young wife he was soon to bring home.

The school did not profess to be one of those higher-class schools that charge a hundred a year and extras. It was moderate in terms and moderate in size; the pupils being chiefly sons of well-to-do tradesmen, some of them living on the spot. At first, Blair (bringing with him his Cambridge notions) entertained thoughts of raising the school to a higher price and standard. But it would have been a risk; almost like beginning a fresh venture. And when he found that the school paid well, and masters and boys got on comfortably, he dropped the wish.

More than two years went by. One evening, early in February, Mrs. Blair was sitting by the parlour fire after tea, with a great boy on her lap, who was forward with his tongue, and had just begun to walk with a totter. I don’t think you could have seen much difference in her from what she was as Mary Sanker. She had the same neat sort of dress and quiet manner, the fresh gentle face and sweet eyes, and the pretty, smooth brown hair. Her husband told her sometimes that she would spoil the boys with kindness. If any one fell into disgrace, she was sure to beg him off; it was wonderful what a good mother she was to them, and only twenty-four years old yet.

Mr. Blair was striding the carpet with his head down, as one in perplexed thought, a scowl upon his brow. It was something unusual, for he was always bright. He was as slender and good-looking a fellow as he used to be. Mrs. Blair noticed him and spoke.

“Have you a headache, Pyefinch?” She had long ago got over the odd sound of his Christian name. Habit familiarizes most things.

“No.”

“What is it, then?”

He did not make any answer; seemed not to hear her. Mrs. Blair put the boy down on the hearthrug. The child was baptized Joseph, after Squire Todhetley, whom they persisted in calling their best friend.

“Run to papa, Joe. Ask him what the matter is.”

The young gentleman went swaying across the carpet, with some unintelligible language of his own. Mr. Blair had no resource but to pick him up: and he carried him back to his mother.

“What is the matter, Pyefinch?” she asked again, taking his hand. “I am sure you are not well.”

“I am quite well,” he said; “but I have got into a little bother lately. What ails me this evening is, that I find I must tell you of it, and I don’t like to do so. There, Mary, send the child away.”

She knew the nursemaid was busy; would not ring, but carried him out herself. Mr. Blair was sitting down when she returned, staring into the fire.

“I had hoped you would never know it, Mary; I had not intended that you should. The fact is——”

Mr. Blair stopped. His wife glanced at him; a serene calm in her eyes, a firm reliance in her loving tone.

“Do not hesitate, Pyefinch. The greater the calamity, the more need that I should hear it.”

“Nay, it is no such great mischief as to be called a calamity. When I took to this house and school, I incurred a debt, and I am suddenly called upon to pay it.”

“Do you mean Mr. Todhetley’s?”

A smile at the question crossed the schoolmaster’s face. “Mr. Todhetley’s was a present; I thought you understood that, Mary. When I would have spoken of returning it, you may remember that he went into a passion.”

“What debt is it, then?”

“I paid four hundred pounds, you know, for the school; half of it I had saved; the other half was given by Mr. Todhetley. Well and good, so far. But I had not thought of one thing—the money that would be wanted for current expenses, and for the hundred and one odd things that stare you in the face upon taking to a new concern. Repairs had to be done, furniture to be bought in; and not a penny coming in until the end of the quarter: not much then, for most of the boys pay half-yearly. Lockett, who was down here most days, saw that if I could not get some money to go on with, there would be no resource but to resell the school. He bestirred himself, and got me the loan of a hundred and fifty pounds from a friend, at only five per cent. interest. This money I am suddenly called upon to repay.”

“But why?”

“Because he from whom I had it is dead, and the executors have called it in. It was Mr Wells.”

She recognized the name as that of a gentleman with whom they had been slightly acquainted; he had died suddenly, in the prime of life.

“Has any of it been paid off?”

“None. I could have repaid a portion every half-year as it came round, but Mr. Wells would not let me. ‘You had a great deal better use it in improving the school and getting things comfortable about you; I am in no hurry,’ was his invariable rejoinder. Lockett thought he meant eventually to make me a present of the money, being a wealthy man without near relatives. Of course I never looked for anything of the sort; but I was as easy as to the debt as though I had not contracted it.”

“Will the executors not let you have the use of the money still?”

“You should see their curt note, ordering its immediate repayment! Lockett seems more vexed at the turn affairs have taken than even I am. He was here today.”

Mrs. Blair sat in silent reflection, wishing she had known of this. Many an odd shilling that she had thought justified in spending, she would willingly have recalled now. Not that they could have amounted to much in the aggregate. Presently she looked at her husband.

“Pyefinch, it seems to me that there’s only one thing to do. You must borrow the sum from some one else, which of course will make us only as much in debt as we are now; and we must pay it off by instalments as quickly as we possibly can.”

“It is what Lockett and I have decided on already as the only course. Why, Mary, this worry has been on our minds for a fortnight past,” he added, turning quickly. “But now that it has come to borrowing again, and not from a friend, I felt that I ought to tell you. Besides, there’s another thing.”

“Go on,” she said.

“We have found a man to advance the money. Lockett and I picked him out from the Times advertisements. These fellows are awful rogues, for the most part; but this is not one of the worst. Lockett made inquiries of a parishioner of his who understands these things, and finds Gavity (that’s his name) is tolerably fair for a professional money-lender. I shall have to pay him higher interest. And he wants me to give him a bill of sale on the furniture.”

“A bill of sale on the furniture! What is that?”

“That is what I meant when I said there was another thing,” replied Mr. Blair. “Wells was content with my note of hand; this man requires security on my goods. It is a mere matter of form in my case, he says. As I am doing well, and there’s no fear of my not keeping the interest paid up, I suppose it is. In two or three years from this, all being well, the debt itself will be wiped off.”

“Oh yes; I hope so. The school is prosperous.”

Her tone was anxious, and Mr. Blair detected it. But for considering that she ought to know it, he would rather have kept this trouble to himself. And he was not sure upon another point: whether, in giving this bill of sale upon the furniture, Mr. Gavity might deem it essential to come in and take a list, article by article, bed by bed, table by table. If so, it would not have been possible to conceal it from her. He mentioned this. She, with himself, could not understand the necessity of their furniture being brought into the transaction at all, seeing that there could be no doubt as to their ability to repay. The one knew just as much about bills of sale and the rights they gave, as the other: and, that, was nothing.

And now that the communication to his wife was off his mind—for in that had lain the chief weight—Mr. Blair was more at ease. As they sat talking together, discussing the future in all its aspects, the shadow lifted itself, and things looked brighter. It did not seem to either of them so formidable a matter after all. It was only changing one creditor for another, and paying a little higher interest.

The transaction was accomplished. Gavity advanced the money, and took the bill of sale upon the furniture. He shot up the expenses—as money-lenders of his stamp generally do—and brought up the loan to a hundred and eighty, instead of a hundred and fifty. Still, taking things for all in all, the position was perhaps as fair and hopeful a one as can be experienced under debt. It was but a temporary clog; Mr. and Mrs. Blair both knew that. The school was flourishing; their prospects were good; they were young, and healthy, and hopeful. And though Mr. Gavity would of course exact his rights to the uttermost farthing, he had no intention of playing the rogue. In all candour let it be avowed, the gentleman money-lender did not see that it was a case affording scope for it.

I had to tell that much as well as I could, seeing that it only came to me by hearsay in the future.

And now to go back a little while, and to ourselves at Dyke Manor.

After their marriage the Squire did not lose sight of Mr. and Mrs. Blair. A basket of things went up now and then, and the second Christmas they were invited to come down; but Mary wrote to decline, on account of Joe, the baby. “Let them leave Joe at home,” cried Tod; but Mrs. Todhetley, shaking her head, said the dear little infant would come to sad grief without its mother. Soon after that, when the Squire was in London, he took the omnibus and went to see them, and told us how comfortably they were getting on.

Years went round to another Christmas, when the exacting Joe would be some months over two years old. In the passing of time you are apt to lose sight of interests, unless they are close ones; and for some months we had heard nothing of the Blairs. Mrs. Todhetley spoke of it one evening.

“Send them a Christmas hamper,” said the Squire.

The Christmas hamper went. With a turkey and ham, and a brace of pheasants in it; some bacon and apples to fill up, and sweet herbs and onions. Lena put in her favourite doll, dressed as a little mother, for young Joe. It had a false arm; and no legs, so to say: Hugh cut the feet off one day, and Hannah had to sew the stumps up. We hoped they would enjoy it all, including the doll, and drank good luck to them on Christmas Day.

A week and a half went on, and no news came. Mrs. Todhetley grew uneasy about the hamper, feeling sure it had been confiscated by the railway. Mary Blair had always written so promptly to acknowledge everything sent to them.

One January day the letter came in by the afternoon post. We knew Mary’s handwriting. The Squire and Madam were at the Sterlings’, and it was nine o’clock at night when they drove in. Mrs. Todhetley’s face ached, which was quite usual she had a white handkerchief tied round it. When they were seated round the fire, I remembered the letter, and gave it to her.

“Now to hear the fate of the hamper!” she exclaimed, carrying it to the lamp. But, what with the face-ache, and what with her eyes, which were not so good by candle-light as they used to be, Mrs. Todhetley could not read the contents readily. She looked at the writing, page after page, and then gave a short scream of dismay. Something was wrong.

“Those thieves have grabbed the hamper!” cried the Squire.

“No; I think the Blairs have had the hamper. I fear it is something worse,” she said faintly. “Perhaps you will read it aloud.”

The Squire put his spectacles on as he took the letter. We gathered round the table, waiting. Mrs. Todhetley sat with her head aside, nursing her cheek; and Tod, who had been reading, put his book down. The Squire hammered a good deal over the writing, which was not so legible as Mary’s was in general. She appeared to have meant it for Mrs. Todhetley and the Squire jointly.

“‘MY VERY DEAR FRIENDS,

“‘If I have delayed writing to you it was not for want of iningredients’"——

“Ingredients!” cried one of us.

“It must be gratitude,” corrected the Squire. “Don’t interrupt.”

“‘Gratitude for your most welcome and liberal present, but because my heart and hands have alike shrunk from the ex-ex-explanation it must entail. Alas! a series of very terrible misfortunes have overwormed—overwhelmed us. We have had to give up our school and our prospects together, and to turn out of our once happy dome.’”

“Dome!” put in Tod.

“I suppose it’s home,” said the Squire. “This confounded lamp is as dim as it can be to-night!” And he went on fractiously.

“‘Through no fault of my husband’s he had to borrow a hundred and fifty pounds nearly twelve months ago. The man he had it from was a money-lender, a Mr. Gavity; he charged a high rate of interest, and brought the cost up to about thirty pounds; but we have no reason to think he wished to act un-unfar—unfairly by us. He required security—which I suppose was only reasonable. The Reverend Mr. Lockett offered himself; but Gavity said parsons were slippers.’”

“Good gracious!” said Mrs. Todhetley.

“The word’s slippery, I expect,” cried the Squire with a frown. “One would think she had emptied the water-bottle into the inkpot.”

“‘Gavity said parsons were slippery; meaning that they were often worth no more than their word. He took, as security, a bill of sale on the furnace. Stay,—furniture. Our school was quite prosperous; there was not the slightest doubt that in a short time the whole of the debt could be cleared off; so we had no hesitation in letting him have the bill of sale. And no harm would have come of it, but for one dreadful misfortune, which (as it seems) was a necessary part of the attendant proceedings. My husband got put into Jer—Jer—Jerry’s Gazelle.’”

“Jerry’s Gazelle?”

“Jerry’s Gazette,” corrected the Squire.

“Jerry’s Gazette?”

We all spoke at once. He stared at the letters and then at us. We stared back again.

“It is Jerry’s Gazette—as I think. Come and see, Joe.”

Tod looked over the Squire’s shoulder. It certainly looked like “Jerry’s Gazette,” he said; but the ink was pale.

“‘Jerry’s Gazette.’ Go on, father. Perhaps you’ll find an explanation further on.”

“‘This Jerry’s Gazette, it appears, is circulated chiefly (and I think privately) amongst comical men—commercial men; merchants, and tradespeople. When they read its list of names, they know at once who is in difficulties. Of course they saw my husband’s name there, Pyefinch Blair; unfortunately a name so peculiar as not to admit of any doubt. I did not see the Gazette, but I believe the amount of the debt was stated, and that Gavity (but I don’t know whether he was mentioned by name) had a bill of sale on our household furniture.’”

“What the dickens is Jerry’s Gazette?” burst forth the Squire, giving the letter a passionate flick. “I know but of one Gazette, into which men of all conditions go, whether they are made lords or bankrupts. What’s this other thing?”

He put up his spectacles, and stared at us all again, as if expecting an answer. But he might as well have asked it of the moon. Mrs. Todhetley sat with the most hopeless look you ever saw on her face. So he went on reading again.

“‘We knew nothing about Jerry’s Gazette ourselves, or that there was such a pub—pub—publication, or that the transaction had appeared in it; and could not imagine why the school began to fall off. Some of the pupils were taken away, at once, some at Lady-day; and by Midsummer nearly every one had left. We used to lie awake night after night, grieving and wondering what could be the matter, searching in vain for any cause of offence, given unwittingly to the boys or their parents. Often and often we got up in the morning to go about our day’s work, never having closed our eyes. At last, a gentleman, whose son had been one of the first renewed—removed, told Pyefinch the truth: that he had appeared in Jerry’s Gazette. The fathers who subscribed to Jerry’s Gazette had seen it for themselves; and they informed the others.’”

“The devil take Jerry’s Gazette,” interrupted Tod, deliberately. “This reads like an episode of the Secret Inquisition, sir, in the days of the French Revolution.”

“It reads like a thing that an honest Englishman’s ears ought to redden to hear of,” answered the Squire, as he put the lamp nearer, for his outstretched arms were getting cramped.

“‘Pyefinch went round to every one of the boy’s fathers. Some would not see him, some not hear him; but to those who did, he imported—imparted—the whole circumstances; showing how it was that he had had to borrow the money (or rather to reborrow it, but I have not time in this letter to go so far into detail), and that it could not by any possibility injure the boys or touch their interests. Most of them, he said, were very kind and sympathizing, so far as words went, saying that in this case Jerry’s Gazette appeared to have been the means of inflicting a cruel wrong; but they would not agree to replace their sons with us. They either declined point-blank, or said they’d consider of it; but you see the greater portion of the boys were already placed at other schools. All of them told Pyefinch one thing—that they were thoroughly satisfied with his treatment in every respect, and but for this interruption would probably have left their sons with him as long as they wanted intrusion—instruction. The long and short of it was this, my dear friends: they did not choose to have their sons educated by a man who was looked upon in the commercial world as next door to a bankrupt. One of them delicately hinted as much, and said Mr. Blair must be aware that he was liable to have his house topped—stripped—at any moment under the bill of sale. We said to ourselves that evening, as Pyefinch and I talked together, that we might have removed boys of our own from a school under the same circumstances.’”

“That’s true enough,” murmured Mrs. Todhetley.

“‘My letter has grown very long and I must hasten to conclude it. Just before the rent was due at Michaelmas (we paid it half-yearly, by agreement) Gavity put the bill of sale into force. One morning several men came in and swept off the furniture. We were turned out next: though indeed to have attempted to remain in that large house were folly. The landlord came in a passion, and told Pyefinch that he would put him in prison if he were worth it; as he was not, he had better go out of the pitch—place—forthwith, as another tenant was ready to take possession. Since then we have been staying here, Pyefinch vainly seeking to get some employment. What we hoped was, that he would obtain an under-mastership to some public fool——”

“Fool, sir!”

“‘School. But it seems difficult. He sends his best regards to you, and bids me say that the reason you have not heard from us so long is, that we could not bear to tell you the ill news after your former kindness to us. The arrival of the hamper leaves us no resource.

“‘Thank you for that. Thank you very truly. The people at the old house have our address, and redirected it here. We received it early on Christmas Eve. How good the things were, you do not need to be told. I stuffed the turkey—I shall make a famous cook in time—and sent it to the backhouse—bakehouse. You should have seen the pill—picture—it was when it came home. Believe me, my dear friends, we are both of us grateful for all your kindness to us, past and present. Little Joe is so delighted with the doll, he scarcely puts it out of his arms. Our best love to all, including Hugh and Lena. Thank Johnny for the beautiful new book he put in. I must apologize in conclusion for my writing; the ink we get in these penny bottles is pale; and baby has been on my lap all the time, never easy a minute. Do not say anything of all this, please, should you be writing to Wales.

“‘Ever most truly yours, “‘MARY BLAIR. “‘13, Difford’s Buildings, Paddington.’”

The Squire put the letter down and his spectacles on it, quite solemnly. You might have heard a pin drop in that room.

“This is a thing that must be inquired into. I shall go up tomorrow.”

“And I’d go too, sir, but for my engagement to the Whitneys,” said Tod.

“She must mean, in speaking of a baby, that there’s another,” spoke Mrs. Todhetley, in a frightened sort of whisper. “Besides little Joe. Dear me!”

“I don’t understand it,” stamped the Squire, getting red. “Turned out of house and home through Jerry’s Gazette! Do we live in England, I’d like to ask?—under English laws?—enjoying English rights and freedom? Jerry’s Gazette? What the deuce is Jerry’s Gazette? Where does it come from? What issues it? The Lord Chamberlain’s Office?—or Scotland Yard?—or some Patent society that we’ve not heard of, down here? The girl must have been imposed upon: her statement won’t hold water.”

“It looks as though she had been, sir.”

“Looks like it, Johnny! It must be so,” said the Squire, growing warmer. “I have temporary need of a sum of money, and I borrow it straightforwardly, honestly purposing and undertaking to pay it back with good interest, but not exactly wanting my neighbours to know about it; and you’d like me to believe that there’s some association, or publication, or whatever else it may be, that won’t allow this to be done privately, but must pounce upon the transaction, and take it down in print, and send it round to the public, just as if it were a wedding or a burying!”

The Squire had grown redder than a roost-cock. He always did when tremendously put out, and the matter would not admit of calling in old Jones the constable.

“Folly! Moonshine! Blair, poor fellow, has been slipping into some disaster, had his furniture seized, and so invents this fable to appease his wife, not liking to tell her the truth. Jerry’s Gazette! When I was a youngster, my father took me to see an exhibition in Worcester called ‘Jerry’s Dogs.’ The worst damage you could get there was a cold, from the holes in the canvas roof, or a pitch over the front into the sawdust. But in Jerry’s Gazette, according to this tale, you may be damaged for life. Don’t tell me! Do we live in Austria, or France, or any of those places, where—as it’s said—a man can’t so much as put on a pair of clean stockings in a morning, but its laid before high quarters in black and white at mid-day by the secret police! No, you need not tell me that.”

“I never heard of Jerry’s Gazette in all my life; I don’t know whether it is a stage performance or something to eat; but I feel convinced Mary Blair would not write this without having good grounds for it,” said Tod, bold as usual.

And do you know—though you may be slow to believe it—the Squire had taken latterly to listen to him. He turned his red old face on him now, and some of its fierceness went out of it.

“Then, Joe, all I can say is this—that English honour and English notions have changed uncommonly from what they used to be. ‘Live and let live’ was one of our mottoes; and most of us tried to act up to it. I know no more of this,” striking his hand on the letter, “than you know, boys; and I cannot think but that she must have been under some unaccountable mistake in writing it. Any way, I’ll go up to London tomorrow: and if you like, Johnny, you can go with me.”

We went up. I did not feel sure of it until the train was off, for Tod seemed three-parts inclined to give up the shooting at the Whitneys’, and start for London instead; in which case the Squire might not have taken me. Tod and some more young fellows were invited to Whitney Hall for three days, to a shooting-match.

It was dusk when we reached London, and as cold as charity. The Squire turned into the railway hotel and had some chops served, but did not wait for a regular dinner. When once he was in for impatience, he was in for it.

“Difford’s Buildings, Paddington,” had been the address, so we thought it would not be far to go. The Squire held on in his way along the crowded streets, as if he were about to set things to rights, elbowing the people, and asking the road at every turn. Some did not know Difford’s Buildings, and some directed us wrongly; but we got there at last. It was in a narrow, quiet street; a row of what Londoners call eight-roomed houses, with little gates opening to the square patches of smoky garden, and “Difford’s Buildings” written up as large as life at the corner.

“Let’s see,” said the Squire, looking sideways at the windows. “Number thirteen, was it not, Johnny?”

“Yes, sir.”

Difford’s Buildings were not well lighted, and there was no seeing the numbers. The Squire stopped before the one he thought must be thirteen; when some one came out at the house-door, shutting it behind him, and met us at the gate. A youngish clergyman in a white necktie. He and the Squire stood looking at each other in the gathering darkness.

“Can you tell me if Mr. Blair lives here?”

“Yes, he does,” was the answer. “I think—I think I have the pleasure of speaking to Mr. Todhetley.”

The Squire knew him ............