"They happen in stories which I illustrate, Mrs. Morgan," she said dryly. "The real brigands of life come in the shape of lawyers' clerks with writs and summonses. It's a relief from those mad fashion plates I draw, anyway. Do you know, Mrs. Morgan, that the sight of a dressmaker's shop window makes me positively ill!"

Mrs. Morgan shook her head sympathetically and Lydia changed the subject.

"Has anybody been this afternoon?" she asked.

"Only the young man from Spadd & Newton," replied the stout woman with a sigh. "I told 'im you was out, but I'm a bad liar."

The girl groaned.

"I wonder if I shall ever get to the end of those debts," she said in despair. "I've enough writs in the drawer to paper the house, Mrs. Morgan."

Three years ago Lydia Beale's father had died and she had lost the best friend and companion that any girl ever had. She knew he was in debt, but had no idea how extensively he was involved. A creditor had seen her the day after the funeral and had made some uncouth reference to the convenience of a death which had automatically cancelled George Beale's obligations. It needed only that to spur the girl to an action which was as foolish as it was generous. She had written to all the people to whom her father owed money and had assumed full responsibility for debts amounting to hundreds of pounds.