peakers connected with commerce； who would be practically useful in explaining the purpose for which the meeting was convened。 Money wisely spent in advertising had produced the customary resultevery seat was occupied before the proceedings began。
Among the late arrivals； who had no choice but to stand or to leave the hall； were two ladies。 One of them at once decided on leaving the hall。 〃I shall go back to the carriage；〃 she said； 〃and wait for you at the door。〃 Her friend answered； 〃I shan't keep you long。 He is advertised to support the second Resolution； I want to see himand that is all。〃
An elderly gentleman； seated at the end of a bench； rose and offered his place to the lady who remained。 She hesitated to take advantage of his kindness； until he reminded her that he had heard what she said to her friend。 Before the third Resolution was proposed； his seat would be at his own disposal again。 She thanked him； and without further ceremony took his place He was provided with an opera…glass； which he more than once offered to her； when famous orators appeared on the platform； she made no use of it until a speakerknown in the City as a ship…ownerstepped forward to support the second Resolution。
His name （announced in the advertisements） was Ernest Lismore。
The moment he rose； the lady asked for the opera…glass。 She kept it to her eyes for such a length of time； and with such evident interest in Mr。 Lismore； that the curiosity of her neighbors was aroused。 Had he anything to say in which a lady （evidently a stranger to him） was personally interested？ There was nothing in the address that he delivered which appealed to the enthusiasm of women。 He was undoubtedly a handsome man； whose appearance proclaimed him to be in the prime of lifemidway perhaps between thirty and forty years of age。 But why a lady should persist in keeping an opera…glass fixed on him all through his speech； was a question which found the general ingenuity at a loss for a reply。
Having returned the glass with an apology； the lady ventured on putting a question next。 〃Did it strike you； sir； that Mr。 Lismore seemed to be out of spirits？〃 she asked。
〃I can't say it did； ma'am。〃
〃Perhaps you noticed that he left the platform the moment he had done？〃
This betrayal of interest in the speaker did not escape the notice of a lady； seated on the bench in front。 Before the old gentleman could answer； she volunteered an explanation。
〃I am afraid Mr。 Lismore is troubled by anxieties connected with his business；〃 she said。 〃My husband heard it reported in the City yesterday that he was seriously embarrassed by the failure〃
A loud burst of applause made the end of the sentence inaudible。 A famous member of Parliament had risen to propose the third Resolution。 The polite old man took his seat； and the lady left the hall to join her friend。
〃Well； Mrs。 Callender； has Mr。 Lismore disappointed you？〃
〃Far from it！ But I have heard a report about him which has alarmed me： he is said to be seriously troubled about money matters。 How can I find out his address in the City？〃
〃We can stop at the first stationer's shop we pass； and ask to look at the Directory。 Are you going to pay Mr。 Lismore a visit？〃
〃I am going to think about it。〃
II。
THE next day a clerk entered Mr。 Lismore's private room at the office； and presented a visiting…card。 Mrs。 Callender had reflected； and had arrived at a decision。 Underneath her name she had written these explanatory words： 〃On important business。〃
〃Does she look as if she wanted money？〃 Mr。 Lismore inquired。
〃Oh dear； no！ She comes in her carriage。〃
〃Is she young or old？〃
〃Old； sir。〃
To Mr。 Lismoreconscious of the disastrous influence occasionally exercised over busy men by youth and beautythis was a recommendation in itself。 He said： 〃Show her in。〃
Observing the lady； as she approached him； with the momentary curiosity of a stranger； he noticed that she still preserved the remains of beauty。 She had also escaped the misfortune； common to persons at her time of life； of becoming too fat。 Even to a man's eye； her dressmaker appeared to have made the most of that favorable circumstance。 Her figure had its defects concealed； and its remaining merits set off to advantage。 At the same time she evidently held herself above the common deceptions by which some women seek to conceal their age。 She wore her own gray hair； and her complexion bore the test of daylight。 On entering the room； she made her apologies with some embarrassment。 Being the embarrassment of a stranger （and not of a youthful stranger）； it failed to impress Mr。 Lismore favorably。
〃I am afraid I have chosen an inconvenient time for my visit；〃 she began。
〃I am at your service；〃 he answered a little stiffly； 〃especially if you will be so kind as to mention your business with me in few words。〃
She was a woman of some spirit； and that reply roused her。
〃I will mention it in one word； 〃 she said smartly。 〃My business isgratitude。〃
He was completely at a loss to understand what she meant； and he said so plainly。 Instead of explaining herself； she put a question。
〃Do you remember the night of the eleventh of March； between five and six years since？〃
He considered for a moment。
〃No；〃 he said； 〃I don't r emember it。 Excuse me； Mrs。 Callender； I have affairs of my own to attend to which cause me some anxiety〃
〃Let me assist your memory； Mr。 Lismore； and I will leave you to your affairs。 On the date that I have referred to； you were on your way to the railway…station at Bexmore； to catch the night express from the North to London。〃
As a hint that his time was valuable the ship…owner had hitherto remained standing。 He now took his customary seat； and began to listen with some interest。 Mrs。 Callender had produced her effect on him already。
〃It was absolutely necessary；〃 she proceeded； 〃that you should be on board your ship in the London Docks at nine o'clock the next morning。 If you had lost the express； the vessel would have sailed without you。〃
The expression of his face began to change to surprise。 〃Who told you that？〃 he asked。
〃You shall hear directly。 On your way into the town； your carriage was stopped by an obstruction on the highroad。 The people of Bexmore were looking at a house on fire。〃
He started to his feet。
〃Good heavens！ are you the lady？〃
She held up her hand in satirical protest。
〃Gently； sir！ You suspected me just now of wasting your valuable time。 Don't rashly conclude that I am the lady； until you find that I am acquainted with the circumstances。〃
〃Is there no excuse for my failing to recognize you？〃 Mr。 Lismore asked。 〃We were on the dark side of the burning house； you were fainting； and I〃
〃And you；〃 she interposed； 〃after saving me at the risk of your own life； turned a deaf ear to my poor husband's entreaties； when he asked you to wait till I had recovered my senses。〃
〃Your poor husband？ Surely； Mrs。 Callender； he received no serious injury from the fire？〃
〃The firemen rescued him under circumstances of peril；〃 she answered； 〃and at his great age he sank under the shock。 I have lost the kindest and best of men。 Do you remember how you parted from himburned and bruised in saving me？ He liked to talk of it in his last illness。 'At least' （he said to you）； 'tell me the name of the man who has preserved my wife from a dreadful death。' You threw your card to him out of the carriage window； and away you went at a gallop to catch your train！ In all the years that have passed I have kept that card； and have vainly inquired for my brave sea…captain。 Yesterday I saw your name on the list of speakers at the Mansion House。 Need I say that I attended the meeting？ Need I tell you now why I come here and interrupt you in business hours？〃
She held out her hand。 Mr。 Lismore took it in silence； and pressed it warmly。
〃You have not done with me yet；〃 she resumed with a smile。 〃Do you remember what I said of my errand； when I first came in？〃
〃You said it was an errand of gratitude。〃
〃Something more than the gratitude which only says 'Thank you；' 〃 she added。 〃Before I explain myself； however； I want to know what you have been doing； and how it was that my inquiries failed to trace you after that terrible night。〃
The appearance of depression which Mrs。 Callender had noticed at the public meeting showed itself again in Mr。 Lismore's face。 He sighed as he answered her。
〃My story has one merit；〃 he said； 〃it is soon told。 I cannot wonder that you failed to discover me。 In the first place； I was not captain of my ship at that time； I was only mate。 In the second place； I inherited some money； and ceased to lead a sailor's life； in less than a year from the night of the fire。 You will now understand what obstacles were in the way of your tracing me。 With my little capital I started successfully in business as a ship…owner。 At the time； I naturally congratulated myself on my own good fortune。 We little know； Mrs。 Callender； what the future has in store for us。〃
He stopped。 His handsome features hardenedas if he was suffering （and concealing） pain。 Before it was possible to speak to him； there was a knock at the door。 Another visitor； without an appointment； had called； the clerk appeared again； with a card and a message。
〃The gentleman begs you will see him； sir。 He has something to tell you which is too important to be delayed。〃
Hearing the message； Mrs。 Callender rose immediately。
〃It is enough for to…day that we understand each other；〃 she said。 〃Have you any engagement to…morrow； after the hours of business？〃
〃None。〃
She pointed to her card on the writing…table。 〃Will you come to me to…morrow evening at that address？ I am like the gentleman who has just called； I； too； have my reason for wishing to see you。〃
He gladly accepted the invitation。 Mrs。 Callender stopped him as he opened the door for her。
〃Shall I offend you；〃 she said； 〃if I ask a strange question before I go？ I have a better motive； mind； than mere curiosity。 Are you married？〃
〃No。〃
〃Forgive me again；〃 she resumed。 〃At my age； you cannot possibly misunderstand me； and yet〃
She hesitated。 Mr。 Lismore tried to give her confidence。 〃Pray don't stand on ceremony； Mrs。 Callende