Two deaths, a year’s interval between them, released him from his office. Upon these events and their issue he had not counted; independence came to him as a great surprise, and on the path of self-knowledge he had far to travel before the significance of that and many another turning-point grew clear to his backward gaze.

Seeking for a comfortable abode, he discovered these rooms in Bayswater. They were to let furnished, the house being occupied by a widow not quite of the ordinary type of landlady, who entertained only bachelors, and was fairly conscientious in the discharge of her obligations. Six months later, during Harvey’s absence abroad, this woman died, and on his return the house had already been stripped of furniture. For a moment he inclined to take a house of his own, but from this perilous experiment he was saved by an intimation that, if he were willing to supply himself with furniture and service, an incoming tenant would let him occupy his old quarters. Harvey grasped at the offer. His landlord was a man named Buncombe, a truss manufacturer, who had two children, and seemingly no wife. The topmost storey Buncombe assigned to relatives of his own – a middle-aged woman, Mrs Handover, with a sickly grown-up son, who took some part in the truss business. For a few weeks Rolfe was waited upon by a charwoman, whom he paid extravagantly for a maximum of dirt and discomfort; then the unsatisfactory person fell ill, and, whilst cursing his difficulties, Harvey was surprised by a visit from Mrs Handover, who made an unexpected suggestion – would Mr Rolfe accept her services in lieu of the charwoman’s, paying her whatever he had been accustomed to give? The proposal startled him. Mrs Handover seemed to belong pretty much to his own rank of life; he was appalled at the thought of bidding her scrub floors and wash plates; and indeed it had begun to dawn upon him that, for a man with more than nine hundred a year, he was living in a needlessly uncomfortable way. On his reply that he thought of removing, Mrs Handover fell into profound depression, and began to disclose her history. Very early in life she had married a man much beneath her in station, with the natural result. After some years of quarrelling, which culminated in personal violence on her husband’s part, she obtained a judicial separation. For a long time the man had ceased to send her money, and indeed he was become a vagabond pauper, from whom nothing could be obtained; she depended upon her son, and on the kindness of Buncombe, who asked no rent. If she could earn a little money by work, she would be much happier, and with tremulous hope she had taken this step of appealing to her neighbour in the house.

Harvey could not resist these representations. When the new arrangement had been in operation for a week or so, Harvey began to reflect upon Mrs Handover’s personal narrative, and in some respects to modify his first impulsive judgment thereon. It seemed to him not impossible that Mr Handover’s present condition of vagabond pauper might be traceable to his marriage with a woman who had never learnt the elements of domestic duty. Thoroughly well-meaning, Mrs Handover was the most incompetent of housewives. Yet such was Harvey Rolfe’s delicacy, and so intense his moral cowardice, that year after year he bore with Mrs Handover’s defects, and paid her with a smile the wages of two first-rate servants. Dust lay thick about him; he had grown accustomed to it, as to many another form of sluttishness. After all, he possessed a quiet retreat for studious hours, and a tolerable sleeping-place, with the advantage of having his correspondence forwarded to him when he chose to wander. To be sure, it was not final; one would not wish to grow old and die amid such surroundings; sooner or later, circumstance would prompt the desirable change. Circumstance, at this stage of his career, was Harvey’s god; he waited upon its direction with an air of wisdom, of mature philosophy.

Of his landlord, Buncombe, he gradually learnt all that he cared to know. The moment came when Buncombe grew confidential, and he, too, had a matrimonial history to disclose. Poverty played no part in it; his business flourished, and Mrs Buncombe, throughout a cohabitation of five years, made no complaint of her lot. All at once – so asserted Buncombe – the lady began to talk of dulness; for a few months she moped, then of a sudden left home, and in a day or two announced by letter that she had taken a place as barmaid at a music-hall. There followed an interview between husband and wife, with the result, said Buncombe, that they parted the best of friends, but with an understanding that Mrs Buncombe should be free to follow her own walk in life, with a moderate allowance to supplement what she could earn. That was five years ago. Mrs Buncombe now sang at second-rate halls, and enjoyed a certain popularity, which seemed to her an ample justification of the independence she had claimed. She was just thirty, tolerably good-looking, and full of the enjoyment of life.