the head clerk, that she had lived in Australia the greater part of her life, and had scarcely known her father. More of her family history it is not necessary to tell here, except that, together with an aunt, she took up her residence at Brunswick Terrace, her father's comfortable West End residence. 

The

 Miss Ellen Fairbrother assumed command, and occupied the big office-chair much more frequently than "Old Joe" had done. There were no alterations in the staff, and no new rules. Miss Fairbrother was as quiet and inoffensive as her father, and seemed sensible of the fact that she could not improve on his work. She therefore allowed things to go as they had been going. 

 Parrott and the other important members of the firm consulted the new chief, and jogged along in the same way as before. 

 Nobody was different, except George Early. He alone had changed with the change of management. To be sure, three others had changed, but not in the same way. He was an ambitious young man, was George, and it seemed as though he had seen in this new state of affairs an opportunity for the advancement of no less a person than himself. That a casual observer might have assumed; a keen observer would have noticed that this change began at the moment when he left the private office with Parrott's half-crown in his pocket. 

 What the staff generally began to notice was that George had a great deal more confidence now than he had in the days of "Old Joe." He was less familiar with his fellow-clerks, and more chummy with his superiors. He never said "sir" to the head clerk, and the head clerk never found fault with anything he did. But as the clerks had a pretty easy time themselves, they did little more than merely notice these changes. Among those who were disturbed by George Early's tactics and who understood them better was Thomas Parrott. 

 For the first time in his life he had lent a man money without questioning his bona fides. The legacy compelled him to do it, and he did it. But no sooner had George got out of the office than the head clerk began to think over things, and to wonder if his nature would be able to stand the strain that it might be subjected to. 

 With the arrival of Miss Fairbrother, he withdrew to the small private office on the ground floor, and ventured out of it only when he was compelled. George made a note of this move, and on the whole quite approved of it; as things were about to shape themselves he could not have wished for anything better. 

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