Rubb, junior, from Rubb and Mackenzie's; and any permanent acquaintance with Mr Rubb would not suit the line of life in which she was desirous of moving. But she did not in the least know how to stop him, or how to show him that she had intended to receive him simply as a man of business. And then it was so seldom that anyone came to talk to her, that she was tempted to fall away from her high resolves. "I have not known much of my brother's concerns," she said, attempting to be cautious.

Then he sat for another hour, making himself very agreeable, and at the end of that time she offered him a glass of wine and a biscuit, which he accepted. He was going to remain two or three days in the neighbourhood, he said, and might he call again before he left? Miss Mackenzie told him that he might. How was it possible that she should answer such a question in any other way? Then he got up, and shook hands with her, told her that he was so glad he had come to Littlebath, and was quite cordial and friendly. Miss Mackenzie actually found herself laughing with him as they stood on the floor together, and though she knew that it was improper, she liked it. When he was gone she could not remember what it was that had made her laugh, but she remembered that she had laughed. For a long time past very little laughter had come to her share.

When he was gone she prepared herself to think about him at length. Why had he talked to her in that way? Why was he going to call again? Why was Rubb, junior, from Rubb and Mackenzie's, such a pleasant fellow? After all, he retailed oilcloth at so much a yard; and little as she knew of the world, she knew that she, with ever so much good blood in her veins, and with ever so many hundreds a year of her own, was entitled to look for acquaintances of a higher order than that. She, if she were entitled to make any boast about herself—and she was by no means inclined to such boastings—might at any rate boast that she was a lady. Now, Mr Rubb was not a gentleman. He was not a gentleman by position. She knew that well enough, and she thought that she had also discovered that he was not quite a gentleman in his manners and mode of speech. Nevertheless she had liked him, and had laughed with him, and the remembrance of this made her sad.

That same evening she wrote a letter to her lawyer, telling him that she was very anxious to oblige her brother, if the security was good. And then she went into the matter at length, repeating much of what Mr Rubb had said to her, as to the excellence of mortgages in general, and of this mortgage in particular. After that she dressed herself with great care, and went out to tea at Mrs Stumfold's. 

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