XLII. CLEARING AND CLOUDY
XLIII. WALKING HOME
XLIV. CHURCH GOING
XLV. IN CHURCH
XLVI. IN ANOTHER CHURCH
XLVII. DEATH
XLVIII. THE HEIRESS
XLIX. A SELECT PARTY
L. WINE AND TRUTH
LI. A WARNING
LII. BREAKFAST
LIII. SLIGO MOULTRIE _vice_ ABEL NEWT
LIV. CLOUDS AND DARKNESS
LV. ARTHUR MERLIN'S GREAT PICTURE
LVI. REDIVIVUS
LVII. DINING WITH LAWRENCE NEWT
LVIII. THE HEALTH OF THE JUNIOR PARTNER
LIX. MRS. ALFRED DINKS
LX. POLITICS
LXI. GONE TO PROTEST
LXII. THE CRASH, UP TOWN
LXIII. ENDYMION
LXIV. DIANA
LXV. THE WILL OF THE PEOPLE
LXVI. MENTOR AND TELEMACHUS
LXVII. WIRES
LXVIII. THE INDUSTRIOUS APPRENTICE
LXIX. IN AND OUT
LXX. THE REPRESENTATIVE OF THE PEOPLE
LXXI. RICHES HAVE WINGS
LXXII. GOOD-BY
LXXIII. THE BELCH PLATFORM
LXXIV. MIDNIGHT
LXXV. REMINISCENCE
LXXVI. A SOCIAL GLASS
LXXVII. FACE TO FACE
LXXVIII. FINISHING PICTURES
LXXIX. THE LAST THROW
LXXX. CLOUDS BREAKING
LXXXI. MRS. ALFRED DINKS AT HOME
LXXXII. THE LOST IS FOUND
LXXXIII. MRS. DELILAH JONES
LXXXIV. PROSPECTS OF HAPPINESS
LXXXV. GETTING READY
LXXXVI. IN THE CITY
LXXXVII. A LONG JOURNEY
LXXXVIII. WAITING
LXXXIX. DUST TO DUST
XC. UNDER THE MISLETOE

CHAPTER I.

SCHOOL BEGINS.

Forty years ago Mr. Savory Gray was a prosperous merchant. No gentleman
on 'Change wore more spotless linen or blacker broadcloth. His ample
white cravat had an air of absolute wisdom and honesty. It was so very
white that his fellow-merchants could not avoid a vague impression that
he had taken the church on his way down town, and had so purified himself
for business. Indeed a white cravat is strongly to be recommended as a
corrective and sedative of the public mind. Its advantages have long been
familiar to the clergy; and even, in some desperate cases, politicians
have found a resort to it of signal benefit. There are instructive
instances, also, in banks and insurance offices of the comfort and
value of spotless linen. Combined with highly-polished shoes, it is
of inestimable mercantile advantage.

Mr. Gray prospered in business, and nobody was sorry. He enjoyed his
practical joke and his glass of Madeira, which had made at least three
voyages round the Cape. His temperament, like his person, was just
unctuous enough to enable