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said, she had a bad headache, and did not feel herself up to conversation.

As we came down through the shop, the civil Mr. Johnson was awaiting us; he had been informed of the exchange of the note for gold, and with much good feeling and real kindness, but with a little want of tact, he wished to condole with Miss Matty, and impress upon her the true state of the case. I could only hope that he had heard an exaggerated rumour for he said that her shares were worse than nothing, and that the bank could not pay a shilling in the pound. I was glad that Miss Matty seemed still a little incredulous; but I could not tell how much of this was real or assumed, with that self-control which seemed habitual to ladies of Miss Matty’s standing in Cranford, who would have thought their dignity compromised by the slightest expression of surprise, dismay, or any similar feeling to an inferior in station, or in a public shop. However, we walked home very silently. I am ashamed to say, I believe I was rather vexed and annoyed at Miss Matty’s conduct in taking the note to herself so decidedly. I had so set my heart upon her having a new silk gown, which she wanted sadly; in general she was so undecided anybody might turn her round; in this case I had felt that it was no use attempting it, but I was not the less put out at the result.

Somehow, after twelve o’clock, we both acknowledged to a sated curiosity about the fashions, and to a certain fatigue of body (which was, in fact, depression of mind) that indisposed us to go out again. But still we never spoke of the note; till, all at once, something possessed me to ask Miss Matty if she would think it her duty to offer sovereigns for all the notes of the Town and County Bank she met with? I could have bitten my tongue out the minute I had said it. She looked up rather sadly, and as if I had thrown a new perplexity into her already distressed mind; and for a minute or two she did not speak. Then she said⁠—my own dear Miss Matty⁠—without a shade of reproach in her voice⁠—

“My dear, I never feel as if my mind was what people call very strong; and it’s often hard enough work for me to settle what I ought to do with the case right before me. I was very thankful to⁠—I was very thankful, that I saw my duty this morning, with the poor man standing by me; but its rather a strain upon me to keep thinking and thinking what I should do if such and such a thing happened; and, I believe, I had rather wait and see what really does come; and I don’t doubt I shall be helped then if I don’t fidget myself, and get too anxious beforehand. You know, love, I’m not like Deborah. If Deborah had lived, I’ve no doubt she would have seen after them, before they had got themselves into this state.”

We had neither of us much appetite for dinner, though we tried to talk cheerfully about indifferent things. When we returned into the drawing-room, Miss Matty unlocked her desk and began to look over her account-books. I was so penitent for what I had said in the morning, that I did not choose to take upon myself the presumption to suppose that I could assist her; I rather left her alone, as, with puzzled brow, her eye followed her pen up and down the ruled page. By-and-by she shut the book, locked the desk, and came and drew a chair to mine, where I sat in moody sorrow over the fire. I stole my hand into hers; she clasped it, but did not speak a word. At last she said, with forced composure in her voice, “If that bank goes wrong, I shall lose one hundred and forty-nine pounds thirteen shillings and fourpence a year; I shall only have thirteen pounds a year left.” I squeezed her hand hard and tight. I did not know what to say. Presently (it was too dark to see her face) I felt her fingers work convulsively in my grasp; and I knew she was going to speak again. I heard the sobs in her voice as she said, “I hope it’s not wrong⁠—not wicked⁠—but, oh! I am so glad poor Deborah is spared this. She could not have borne to come down in the world⁠—she had such a noble, lofty spirit.”

This was all she said about the sister who had insisted upon investing their little property in that unlucky bank. We were later in lighting the candle than usual that night, and until that light shamed us into speaking, we sat together very silently and sadly.

However, we took to our work after tea with a kind of forced cheerfulness (which soon became real as far as it went), talking of that never-ending wonder, Lady Glenmire’s engagement. Miss Matty was almost coming round to think it a good thing.

“I don’t mean to deny that men are troublesome in a house. I don’t judge from my own experience, for my father was neatness itself, and wiped his shoes on coming in as carefully as any woman; but still a man has a sort of knowledge of what should be done in difficulties, that it is very pleasant to have one at hand ready to lean upon. Now, Lady Glenmire, instead of being tossed about, and wondering where she is to settle, will be certain of a home among pleasant and kind people, such as our good Miss Pole and Mrs. Forrester. And Mr. Hoggins is really a very personable man; and as for his manners, why, if they are not very polished, I have known people with very good hearts and very clever minds too, who were not what some people reckoned refined, but

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