When Ida came down, he led her to a chair beside the fire which he had
ordered to be lit, and laid his hand gently and tenderly on her
shoulder by way of preparation and encouragement.

"Your cousin and I want to talk to you about the future, Ida," he said.
"You will have to be told some time or other exactly how your father's
affairs stood, and I have come to the conclusion that it is better you
should know at once than that you should be permitted to remain in
ignorance of the gravity of the situation. I have gone over your
father's papers and looked into his affairs very carefully and closely,
and I am sorry to say that they are in a very unsatisfactory condition.
As I told you the other day, the estate has been encumbered and very
seriously embarrassed for some time past, and the encumbrance has been
increased of late, notwithstanding the admirable way in which you have
managed the estate and the household affairs."

Ida raised her eyes to his and tried to regard him calmly and bravely,
but her lips quivered and she checked a sigh.

Mr. Wordley coughed and frowned, as a man does when he is engaged in a
disagreeable and painful task.

"The principal mortgagee has given me notice of foreclosure, and the
amount of the debt is so large that I am afraid--it would be cruel and
useless to conceal the truth from you--I _know_ that the property sold
would not be sufficient to meet it. Of ready money there appears to be
none--"