The idea of being in debt was abhorrent to her. She could not conceive how a man who was in debt could sleep at nights. 'Mr. Price ought to be ashamed of himself,' she said warmly. 'I'm sure he's quite able to pay.' The image of the sleek and stout superintendent of the Sunday-school, arrayed in his rich, almost voluptuous, broadcloth, offended her profoundly. That he, debtor and promise-breaker, should have the effrontery to pray for the souls of children, to chastise their petty furtive crimes, was nearly incredible.

'Oh! Price is all right,' her father remarked, with an apparent benignity which surprised her. 'He'll pay when he can.'

'I think it's a shame,' she repeated emphatically.

Agnes looked with a mystified air from one to the other, instinctively divining that something very extraordinary had happened during her absence at school.

'Ye mun'na be too hard, Anna,' said Tellwright. 'Supposing ye sold owd Titus up? What then? D'ye reckon ye'd get a tenant for them ramshackle works? A thousand pound spent wouldn't 'tice a tenant. That Edward Street property was one o' ye grandfeyther's specs; 'twere none o' mine. You'd best tak' what ye can get.'

Anna felt a little ashamed of herself, not because of her bad policy, but because she saw that Mr. Price might have been handicapped by the faults of her property.

That afternoon it was a shy and timid Anna who swung back the heavy polished and glazed portals of the Bursley branch of the Birmingham, Sheffield and district Bank, the opulent and spacious erection which stands commandingly at the top of St. Luke's Square. She looked about her, across broad counters, enormous ledgers, and rows of bent heads, and wondered whom she should address. Then a bearded gentleman, who was weighing gold in a balance, caught sight of her: he slid the gold into a drawer, and whisked round the end of the counter with a celerity which was, at any rate, not born of practice, for he, the cashier, had not done such a thing for years.

'Good afternoon, Miss Tellwright.'

'Good afternoon. I——'

'May I trouble you to step into the manager's room?' and he drew her forward, while every clerk's eye watched. Anna tried not to blush, but she could feel the red mounting even to her temples.

'Delightful weather we're having. But of course we've the right to expect it at this time of year.' He opened a door on the glass of which was painted 'Manager,' and bowed. 'Mr. Lovatt—Miss Tellwright.'

Mr. Lovatt greeted his new customer with a formal and rather fatigued politeness, and invited her to sit in a large leather armchair in front of a large table; on this table lay a large open book. Anna had once in her life been to the dentist's; this interview reminded her of that experience.

'Your father told me I might expect you to-day,' said Mr. Lovatt in his high-pitched, perfunctory tones. Richard Lovatt was probably the most influential man in Bursley. Every Saturday morning he irrigated the whole town with fertilising gold. By a single negative he could have ruined scores of upright merchants and manufacturers. He had only to stop a man in the street and murmur, 'By the way, your overdraft——,' in order to spread discord and desolation through a refined and pious home. His estimate of human nature was falsified by no common illusions; he had the impassive and frosty gaze of a criminal judge. Many men deemed they had cause to hate him, but no one did hate him: all recognised that he was set far above hatred.

'Kindly sign your full name here,' he said, pointing to a spot on the large open page of the book, 'and your ordinary signature, which you will attach to cheques, here.'

Anna wrote, but in doing so she became aware that she had no ordinary signature; she was obliged to invent one.

'Do you wish to draw anything out now? There is already a credit of four hundred and twenty pounds in your favour,' said Mr. Lovatt, after he had handed her a cheque-book, a deposit-book, and a pass-book.

'Oh, no, thank you,' Anna answered quickly. She keenly desired some money, but she well knew that courage would fail her to demand it without her father's consent; moreover, she was in a whirl of uncertainty as to the uses of the three books, though Mr. Lovatt had expounded them severally to her in simple language.

'Good-day.'

'Good-day, Miss Tellwright.'

'My compliments to your father.'

His final glance said half cynically, half in pity: 'You are naïve and unspoilt now, but these eyes will see yours harden like the rest. Wretched victim of gold, you are only one in a procession, after all.'

Outside, Anna thought that everyone had been very agreeable to her. Her complacency increased at a bound. She no longer felt ashamed of her shabby cotton dress.