arrived hopeful as well as resolute, took his way back to his lodging with the feeling of a man defeated. He was not, it may be added, a man weakly to accept defeat. CHAPTER V Ralph Touchett was a philosopher, but nevertheless he knocked at his mother's door (at a quarter to seven) with a good deal of eagerness. Even philosophers have their preferences, and it must be admitted that of his progenitors his father ministered most to his sense of the sweetness of filial dependence. His father, as he had often said to himself, was the more motherly; his mother, on the other hand, was paternal, and even, according to the slang of the day, gubernatorial. She was nevertheless very fond of her only child and had always insisted on his spending three months of the year with her. Ralph rendered perfect justice to her affection and knew that in her thoughts and her thoroughly arranged and servanted life his turn always came after the other nearest subjects of her solicitude, the various punctualities of performance of the workers of her will. He found her completely dressed for dinner, but she embraced her boy with her gloved hands and made him sit on the sofa beside her. She enquired scrupulously about her husband's health and about the young man's own, and, receiving no very brilliant account of either, remarked that she was more than ever convinced of her wisdom in not exposing herself to the English climate. In this case she also might have given way. Ralph smiled at the idea of his mother's giving way, but made no point of reminding her that his own infirmity was not the result of the English climate, from which he absented himself for a considerable part of each year. He had been a very small boy when his father, Daniel Tracy Touchett, a native of Rutland, in the State of Vermont, came to England as subordinate partner in a banking-house where some ten years later he gained preponderant control. Daniel Touchett saw before him a life-long residence in his adopted country, of which, from the first, he took a simple, sane and accommodating view. But, as he said to himself, he had no intention of disamericanising, nor had he a desire to teach his only son any such subtle art. It had been for himself so very soluble a problem to live in England assimilated yet unconverted that it seemed to him equally simple his lawful heir should after his death carry on the grey old bank in the white American light. He was at pains to intensify this light, however, by sending the boy home for his education. Ralph spent several terms at an American school and took a degree at an American university, after which, as he struck his father