Lydia Beale gathered up the scraps of paper that littered her table, rolled them into a ball and tossed them into the fire.

There was a knock at the door, and she half turned in her chair to meet with a smile her stout landlady who came in carrying a tray on which stood a large cup of tea and two thick and wholesome slices of bread and jam.

"Finished, Miss Beale?" asked the landlady anxiously.

"For the day, yes," said the girl with a nod, and stood up stretching herself stiffly.

She was slender, a head taller than the dumpy Mrs. Morgan. The dark violet eyes and the delicate spiritual face she owed to her Celtic ancestors, the grace of her movements, no less than the perfect hands that rested on the drawing board, spoke eloquently of breed.

"I'd like to see it, miss, if I may," said Mrs. Morgan, wiping her hands on her apron in anticipation.

Lydia pulled open a drawer of the table and took out a large sheet of Windsor board. She had completed her pencil sketch and Mrs. Morgan gasped appreciatively. It was a picture of a masked man holding a villainous crowd at bay at the point of a pistol.

"That's wonderful, miss," she said in awe. "I suppose those sort of things happen too?"

The girl laughed as she put the drawing away.

"They happen in stories which I illustrate, Mrs. Morgan," she said dryly. "The real brigands of life come in the shape of lawyers' clerks with writs and summonses. It's a relief from those mad fashion plates I draw, anyway. Do you know, Mrs. Morgan, that the sight of a dressmaker's shop window makes me positively ill!"

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Mrs. Morgan shook her head sympathetically and Lydia changed the subject.

"Has anybody been this afternoon?" she asked.

"Only the young man from Spadd & Newton," replied the stout woman with a sigh. "I told 'im you was out, but I'm a bad liar."

The girl groaned.

"I wonder if I shall ever get to the end of those debts," she said in despair. "I've enough writs in the drawer to paper the house, Mrs. Morgan."

Three years ago Lydia Beale's father had died and she had lost the best friend and companion that any girl ever had. She knew he was in debt, but had no idea how extensively he was involved. A creditor had seen her the day after the funeral and had made some uncouth reference to the convenience of a death which had automatically cancelled George Beale's obligations. It needed only that to spur the girl to an action which was as foolish as it was generous. She had written to all the people to whom her father owed money and had assumed full responsibility for debts amounting to hundreds of pounds.