the reader of the manner in which Tom Mackenzie found his way into trade—how, in the first place, he endeavoured to resume his Uncle Jonathan's share in the leather business, instigated thereto by a desire to oppose his Uncle John,—Sir John, who was opposing him in the matter of the will,—how he lost money in this attempt, and ultimately embarked, after some other fruitless speculations, the residue of his fortune in partnership with Mr Rubb. All that happened long ago. He was now a man of nearly fifty, living with his wife and family,—a family of six or seven children,—in a house in Gower Street, and things had not gone with him very well.

Nor is it necessary to say very much of Walter Mackenzie, who had been four years younger than his brother. He had stuck to the office in spite of his wealth; and as he had never married, he had been a rich man. During his father's lifetime, and when he was quite young, he had for a while shone in the world of fashion, having been patronised by the Mackenzie baronet, and by others who thought that a clerk from Somerset House with twelve thousand pounds must be a very estimable fellow. He had not, however, shone in a very brilliant way. He had gone to parties for a year or two, and during those years had essayed the life of a young man about town, frequenting theatres and billiard-rooms, and doing a few things which he should have left undone, and leaving undone a few things which should not have been so left. But, as I have said, he was weak in body as well as weak in mind. Early in life he became an invalid; and though he kept his place in Somerset House till he died, the period of his shining in the fashionable world came to a speedy end.

Now, at length, we will come to Margaret Mackenzie, the sister, our heroine, who was eight years younger than her brother Walter, and twelve years younger than Mr Rubb's partner. She had been little more than a child when her father died; or I might more correctly say, that though she had then reached an age which makes some girls young women, it had not as yet had that effect upon her. She was then nineteen; but her life in her father's house had been dull and monotonous; she had gone very little into company, and knew very little of the ways of the world. The Mackenzie baronet people had not noticed her. They had failed to make much of Walter with his twelve thousand pounds, and did not trouble themselves with Margaret, who had no fortune of her own. The Ball baronet people were at extreme variance with all her family, and, as a matter of course, she received no countenance from them. In those early days she did not receive much countenance from any one; and perhaps I may say 

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