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shops at once, while collecting the balance weekly at the working-man's door. But this privilege of anticipation was to be forfeited or postponed if the working-man's earlier payments were irregular.

And Denry would bestow all these wondrous benefits on the working-man without any charge whatever. Every penny that members paid in, members would draw out. The affair was enormously philanthropic.

Denry's modest remuneration was to come from the shopkeepers upon whom his scheme would shower new custom. They were to allow him at least twopence in the shilling discount on all transactions, which would be more than 16 per cent. on his capital; and he would turn over his capital three times a year. He calculated that out of 50 per cent. per annum he would be able to cover working expenses and a little over.

Of course, he had to persuade the shopkeepers. He drove his mule to Hanbridge and began with Bostocks, the largest but not the most distinguished drapery house in the Five Towns. He succeeded in convincing them on every point except that of his own financial stability. Bostocks indicated their opinion that he looked far too much like a boy to be financially stable. His reply was to offer to deposit fifty pounds with them before starting business, and to renew the sum in advance as quickly as the members of his club should exhaust it. Cheques talk. He departed with Bostocks' name at the head of his list, and he used them as a clinching argument with other shops. But the prejudice against his youth was strong and general. "Yes," tradesmen would answer, "what you say is all right, but you are so young." As if to insinuate that a man must be either a rascal or a fool until he is thirty, just as he must be either a fool or a physician after he is forty. Nevertheless, he had soon compiled a list of several score shops.

His mother said:

"Why don't you grow a beard? Here you spend money on razors, strops, soaps and brushes, besides a quarter of an hour of your time every day, and cutting yourself—all to keep yourself from having something that would be the greatest help to you in business! With a beard you'd look at least thirty-one. Your father had a splendid beard, and so could you if you chose."

This was high wisdom. But he would not listen to it. The truth is, he was getting somewhat dandiacal.

At length his scheme lacked naught but what Denry called a "right-down good starting shove." In a word, a fine advertisement to fire it off. Now, he could have had the whole of the first page of the Signal (at that period) for five-and-twenty pounds. But he had been so accustomed to free advertisements of one sort or another that the notion of paying for one was loathsome to him. Then it was that he thought of the Countess of Chell, who happened to be staying at Knype. If he could obtain that great aristocrat, that ex-Mayoress, that lovely witch, that benefactor of the district, to honour his Thrift Club as patroness, success was certain. Everybody in the Five Towns sneered at the Countess and called her a busybody; she was even dubbed "Interfering Iris" (Iris being one of her eleven Christian names); the Five Towns was fiercely democratic—in theory. In practice the Countess was worshipped; her smile was worth at least five pounds, and her invitation to tea was priceless. She could not have been more sincerely adulated in the United States, the home of social equality.

Denry said to himself:

"And why shouldn't I get her name as patroness? I will have her name as patroness."

Hence the expedition to Sneyd Hall, one of the ancestral homes of the Earls of Chell.

III

He had been to Sneyd Hall before many times—like the majority of the inhabitants of the Five Towns—for, by the generosity of its owner, Sneyd Park was always open to the public. To picnic in Sneyd Park was one of the chief distractions of the Five Towns on Thursday and Saturday afternoons. But he had never entered the private gardens. In the midst of the private gardens stood the Hall, shut off by immense iron palisades, like a lion in a cage at the Zoo. On the autumn afternoon of his Historic visit, Denry passed with qualms through the double gates of the palisade, and began to crunch the gravel of the broad drive that led in a straight line to the overwhelming Palladian façade of the Hall.

Yes, he was decidedly glad that he had not brought his mule. As he approached nearer and nearer to the Countess's front-door his arguments in favour of the visit grew more and more ridiculous. Useless to remind himself that he had once danced with the Countess at the municipal ball, and amused her to the giggling point, and restored her lost fan to her. Useless to remind himself that he was a quite exceptional young man, with a quite exceptional renown, and the equal of any man or woman on earth. Useless to remind himself that the Countess was notorious for her affability and also for her efforts to encourage the true welfare of the Five Towns. The visit was grotesque.

He ought to have written. He ought, at any rate, to have announced his visit by a note. Yet only an hour earlier he had been arguing that he could most easily capture the Countess by storm, with no warning or preparations of any kind.

Then, from a lateral path, a closed carriage and pair drove rapidly up to the Hall, and a footman bounced off the hammercloth. Denry could not see through the carriage, but under it he could distinguish the skirts of some one who got put of it. Evidently the Countess was just returning from a drive. He quickened his pace, for at heart he was an audacious boy.

"She can't eat me," he said.

This assertion was absolutely irrefutable, and yet there remained in his bold heart an irrational fear that after all she could eat him. Such is the extraordinary influence of a Palladian façade!

After what seemed several hours of torture entirely novel in his experience, he skirted the back of the carriage and mounted the steps to the portal. And, although the coachman was innocuous, being apparently carved in stone, Denry would have given a ten-pound note to find himself suddenly in his club or even in church. The masonry of the Hall rose up above him like a precipice. He was searching for the bell-knob in the face of the precipice when a lady suddenly appeared at the doors. At first he thought it was the Countess, and that heart of his began to slip down the inside of his legs. But it was not the Countess.

"Well?" demanded the lady. She was dressed in black.

"Can I see the Countess?" he inquired.

The lady stared at him. He handed her his professional card which lay waiting all ready in his waistcoat pocket.

"I will ask my lady," said the lady in black.

Denry perceived from her accent that she was not English.

She disappeared through a swinging door; and then Denry most clearly heard the Countess's own authentic voice saying in a pettish, disgusted tone:

"Oh! Bother!"

And he was chilled. He seriously wished that he had never thought of starting his confounded Universal Thrift Club.

After some time the carriage suddenly drove off, presumably to the stables. As he was now within the hollow of the porch, a sort of cave at the foot of the precipice, he could not see along the length of the façade. Nobody came to him. The lady who had promised to ask my lady whether the latter could see him did not return. He reflected that she had not promised to return; she had merely promised to ask a question. As the minutes passed he grew careless, or grew bolder, gradually dropping his correct attitude of a man-about-town paying an afternoon call, and peered through the glass of the doors that divided him from the Countess. He could distinguish nothing that had life. One of his preliminary tremors had been caused by a fanciful vision of multitudinous footmen, through a double line of whom he would be compelled to walk in order to reach the Countess.

But there was not even one footman. This complete absence of indoor footmen seemed to him remiss, not in accordance with centuries of tradition concerning life at Sneyd.

Then he caught sight, through the doors, of the back of Jock, the Countess's carriage footman and the son of his mother's old friend. Jock was standing motionless at a half-open door to the right of the space between Denry's double doors and the next pair of double doors. Denry tried to attract his attention by singular movements and strange noises of the mouth. But Jock, like his partner the coachman, appeared to be carven in stone. Denry decided that he would go in and have speech with Jock. They were on Christian-name terms, or had been a few years ago. He unobtrusively pushed at the doors, and at the very same moment Jock, with a start—as though released from some spell—vanished away from the door to the right.

Denry was now within.

"Jock!" He gave a whispering cry, rather conspiratorial in tone. And as Jock offered no response, he hurried after Jock through the door to the right. This door led to a large apartment which struck Denry as being an idealisation of a first-class waiting-room at a highly important terminal station. In a wall to the left was a small door, half open. Jock must have gone through that door. Denry hesitated—he had not properly been invited into the Hall. But in hesitating he was wrong; he ought to have followed his prey without qualms. When he had conquered qualms and reached the further door, his eyes were met, to their amazement, by an immense perspective of great chambers. Denry had once seen a Pullman car, which had halted at Knype Station with a French actress on board. What he saw now presented itself to him as a train of Pullman cars, one opening into the other, constructed for giants. Each car was about as large as the large hall in Bursley Town Hall, and, like that auditorium, had a ceiling painted to represent blue sky, milk-white clouds, and birds. But in the corners were groups of naked Cupids, swimming joyously on the ceiling; in Bursley Town Hall there were no naked Cupids. He understood now that he had been quite wrong in his estimate of the room by which he had come into this Versailles. Instead of being large it was tiny, and instead of being luxurious it was merely furnished with miscellaneous odds and ends left over from far more important furnishings. It was indeed naught but a nondescript box of a hole insignificantly wedged between the state apartments and the outer lobby.

For an instant he forgot that he was in pursuit of Jock. Jock was perfectly invisible and inaudible. He must, however, have gone down the vista of the great chambers, and therefore Denry went down the vista of the great chambers after him, curiously expecting to have a glimpse of his long salmon-tinted coat or his cockaded hat popping up out of some corner. He reached the other end of the vista, having traversed three enormous chambers, of which the middle one was the most enormous and the most gorgeous. There were high windows everywhere to his right, and to his left, in every chamber, double doors with gilt handles of a peculiar shape. Windows and doors, with equal splendour, were draped in hangings of brocade. Through the windows he had glimpses of the gardens in their autumnal colours, but no glimpse of a gardener. Then a carriage flew past the windows at the end of the suite, and he had a very clear though a transient view of two menials on the box-seat; one of those

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