it has not, Mrs Cruden. On the contrary, it was declared bankrupt a few days ago, and what is still more deplorable, it has involved in its own ruin the other railway in which the remainder of your husband's property was invested, so that all the shares which stand in his name in both concerns are now worth no more than the paper they are printed on."
Mr Richmond came to the point at last with startling abruptness, so much so that for a moment or two his listeners sat almost petrified by the bad news, and unable to say a word. The lawyer finished what he had to say without waiting.
"Your husband heard this lamentable news, Mrs Cruden, on the occasion of his last visit to the City. The only call he made that day was at his banker's, where he was told all, and there is no reason to doubt that the shock produced the stroke from which he died."
"Mr Richmond," said Mrs Cruden, after a while, like one in a dream, "can this be true? What does it all mean?"
"Alas! madam," said the lawyer, "it would be no kindness on my part to deny the truth of what I have told you. It means that unless you or your late husband are possessed of some means of income of which I know nothing, your circumstances are reduced to a very low point."
"But there must be some mistake," said Horace. "Both railways can't have gone wrong; we shall surely save something?"
"I wish I could hold out any hope. I have all the documents at my office, and shall be only too glad, Mrs Cruden, to accompany you to the bank for your own satisfaction."
Mrs Cruden shuddered and struggled bravely to keep down the rising tears. A long pause ensued, every moment of which made the terrible truth clearer to all three of the hearers, and closed every loophole of hope.
"What can be done?" said Horace at last.
"Happily there is Garden Vale," said Reginald, and there was a choking in the throat of the heir as he spoke; "we shall have to sell it."
"The contents of it, you will, Master Cruden," said the lawyer; "the estate itself is held on lease."
"Well, the contents of it," said Reginald, bitterly; "you are not going to make out they don't belong to us?"
"Certainly not," said Mr Richmond, on whom the taunt was quite lost; "unless, as I trust is not the case, your father died in debt."
"Do you mean to say," said Horace, slowly, like one waking from a dream, "do you mean to say we are ruined, Mr Richmond?"
"I fear it is so," said the lawyer, "unless Mr Cruden was possessed of some means of income with which I was not acquainted. I regret very much, Mrs Cruden, having to be the bearer of such bad news, and I can only say the respect I had for your late husband will make any assistance I can offer you, by way of advice or otherwise, a pleasure." And Mr Richmond bowed himself out of the room with a smile.
It was a relief to be left alone, and Mrs Cruden, despite her weakness and misery, struggled hard for the sake of her boys to put a brave face on their trouble.
"Reg, dear," said she to her eldest son, who had fairly broken down, and with his head on his hand was giving vent to his misery, "try to bear it. After all, we are left to one another, and--"
The poor mother could not finish her sentence, but bent down and kissed the wet cheek of the boy.
"Of course it means," said Horace, after a pause, "we shall have to give up Garden Vale, and leave Wilderham too. And Reg was sure of a scholarship next term. I say, mother, what are we to do?"
"We are all strong enough to do something, dear boy," said Mrs Cruden.
"I'll take care you don't have to do anything, mother," said Reginald, looking up. "I'll work my fingers to the bones before you have to come down to that." He spoke with clenched teeth, half savagely.
"Even if we can sell all the furniture," continued Horace, taking a practical view of the situation, "it wouldn't give us much to live on."
"Shut up, Horace!" said Reginald. "What's the use of making the worst of everything? Hasn't mother had quite enough to bear already?"
Horace subsided, and the three sat there in silence until the daylight faded and the footman brought in the lights and announced that coffee was ready in the drawing-room.
There was something like a shock about this interruption. What had they to do with men-servants and coffee in the drawing-room, they who an hour or two ago had supposed themselves wealthy, but now knew that they were little better than
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