THE ROMANCE OF A MORTGAGE.

1111 COURT STREET,

BOSTON, MASS., _Nov._ 12, 1890.

_Mr. Francis B. Ellesworth, University Club,

Boston, Mass.:_

MY DEAR FRANK, I am sorry to inform you that the Benson note is

still uncollected. The party writes that he will try to pay it

soon. Our correspondent in Sunshine, S. C., considers the

Benson security in Cherokee first-class. As this is the only S.

C. mortgage that has slipped up so far on our hands, I should

advise you to be patient a few more days. Perhaps you had

better give the party leeway up to Dec. 1, if necessary, as it

is his first default since you took the papers, three years

ago. However, if you are impatient and wish to settle the

matter, send me down the trust deeds and notes. Run in any

time. I shall be glad to see you.

Very truly yours,

JOSEPH TODD.

Young Ellesworth carefully deposited his cigar in the bronze ash

receiver on the polished table by his side, and pulled out from his

breast pocket a notebook which he consulted. After a few moments he

seemed to satisfy himself as to the identity of his mortgager Benson;

put his papers up, and sank back into a reverie.

The gray November day seemed to have contented itself with monopolizing

the streets and the faded Common, and the poor tenements, and the ragged

stragglers, and to have passed by the windows of Beacon Street, and the

luxurious smoking-room of the new University Club. Francis Ellesworth

sprawled listlessly in the deep chair by the window, and vaguely

congratulated himself that he did not have to earn his supper. It was

lucky that he did not have to, for any tyro of a physiognomist could

have seen at a glance that the delicate features, the sallow complexion,

brightened by red spots upon his cheeks, the gentle black eyes and the

straight black hair, did not belong to a robust New England body.

The trouble with Ellesworth was, not that he was rich enough not to have

to work, but that he was born at all. He considered it only a fair

compensation for this insult that three years ago he had fallen heir to

seventy-five thousand dollars, which he had successfully invested and

reinvested ever since. This occupation, and the clubs and a few other

necessary amusements formed his life.

He was not handsome, but just interesting looking enough not to pass

unnoticed. He was not vulgar; that is to say, he did not drink too much,

did not swear, and was not the kind of a fellow who compromises a woman

by his attentions. He was neither clever nor stupid. Thousands of young

men in our great cities are of this type, unimportant to men of intent,

and a missionary field to women of character.

He needed an electric shock either to kill him or make a man of him. But

perhaps, after all, Ellesworth was not wholly to blame for not trying to

make his mark; for he was not so strong as other men, as I said before,

and had, besides, so thoroughly coddled himself into that belief that

useful activity was struck off of his list of possibilities.

Now it happened that this Benson mortgage was the first which he had

taken out under his inheritance; it had a certain special interest to

him for that reason; it had netted him eight per cent. clear, and he

considered his fifteen hundred dollars well invested. His Harvard

classmate, Todd, a good judge, had selected the mortgage for him, and

altogether it seemed to the young property-holder quite an important, if

not to say a public, financial affair that this first of October passed

without producing sixty dollars from Benson. He didn't know who Benson

was; nor did he care. How many a capitalist in the East knows the sturdy

settler whose hard-earned home he holds in his relentless safe! The

drought comes, the crops wither away; the cyclone sweeps the land; the

only horse that does the ploughing dies; the mother is sick and the

father tends the babies instead of the wheat--a hundred catastrophes

menace the farmer, but whatever happens, the semi-annual dividend must

be paid or the nightmare of his life comes to pass--the terrible

capitalist in the East, less compassionate than the cyclone or the

inundation or the drought, takes the home as a matter of course, just as

he takes his dinner. Who would dare complain? Not Benson surely, thought

Ellesworth, with the smile of a man who holds a "full hand."

"Work Benson for all he is worth," wrote Ellesworth on some blue

club-paper, "and give him until the first of December."

The first of December came, but no South Carolina interest. Francis

Ellesworth was greatly annoyed and told Todd so plainly.

"He is sick," explained Todd. "Somebody else wrote for him. The letter

came the other day. But he signed it. He asks for another fifteen days."

Ellesworth frowned.

"I'm deuced hard up just now," he said, "Christmas is coming on. That

would just settle my flower bill. Halvin has sent me three confoundedly

gentlemanly bills. That's the worst of it. Write and tell Benson I'll

give him until the fifteenth of December--not another day."

"Just as you say," answered Todd. "It's all safe enough, but it will

take some time to realize. Cherokee isn't exactly booming, but he's got

fifty acres and one half cleared, the other half is heavy yellow pine.

The timber is worth the whole amount, my correspondent assures me,

besides the house and out-buildings. You won't lose, not a cent, I'll

guarantee; but it's annoying, I will admit."

Then they fell to talking about the Yale foot-ball victory. Of course

they talked late and Ellesworth walked to his apartments in a heavy

shower.

That night, one of the catastrophes which prove demons or angels to our

lives, occurred to the young man. He was taken suddenly and violently

ill. Of the three physicians summoned by the excited janitor, to

prescribe for the sickness, one called the case pneumonia; another

preferred malaria; and the third, having just delivered an original

paper on the subject, suggested brain grippe. In only one respect the

three wise men agreed--their patient must spend the winter in the

South. Oddly enough, they recommended Sunshine, South Carolina; and as

Sunshine is a fashionable resort, with plenty of hotels and tennis and

girls, Ellesworth found no difficulty in obeying the medical counsel.

Thus in ten days he found himself in the land of the palmetto and the

japonica. It was an abrupt change, and therefore all the more natural

for that. The other day an invalid started for India on an eighteen

hours' notice.

Ellesworth's illness and the journey had entirely driven the Benson

matter out of his mind. He had drawn upon an emergency fund for his

trip, and the fact that he was sixty dollars short had escaped his easy

memory. Therefore the further announcement from Todd that Benson could

not pay at the date agreed upon came to him as a new shock. Todd had

written a formal letter to his classmate, merely stating the fact and

asking for instructions. As Ellesworth read it, he had a vague feeling

that there was something behind that was not told. But he had just lost

a game of billiards to an inferior player, and felt cross.

"Confound that Benson!" he ejaculated. Then he sat down and wrote:

"Foreclose at once. My attorneys, Squeeze & Claw, will give you the

Benson trust deeds on presentation of this. Hurry it through as soon as

you can."

He heaved a sigh of relief, and lighted a cigar with Todd's letter.

There are critics who assert that the modern story fails of its mission

unless it deals in extraordinary characters embedded like the rare

crystals of Hiddenite, in an extraordinary matrix; and that the public,

tired to suffocation of its own commonplaces, has a right to expect

something out of the usual run. If such a _dictum_ were final Francis

Ellesworth is in nowise a fit hero for a "penny-dreadful," nor was it

even an extraordinary circumstance that made him inquire how far

Cherokee Garden was from Sunshine.

"You can go by railroad," answered the Northern clerk, "or you can go

horseback. It's only eight miles by road through the pines. It's a very

pretty ride to take before dinner."

Ellesworth had two reasons for amusing himself by an easy trip to

Cherokee. He had a vague feeling of remorse which often follows the

decree of justice. Lincoln was made ill by being obliged to refuse a

pardon. The greater the power the heavier it hangs upon the heart.

Ellesworth, as he entertained himself in the conventional way, ever

spending, never earning, began to feel that he had done a brutal thing,

without even looking into the circumstances, to order a man's home sold

over his head, because he had failed to pay interest for the first

time. If Benson's farm were only eight miles away why did he not see him

before he sent the command to foreclose? There was an atonement owing,

and this feeling, rising like a mist in the mind of the young man, who

knew much of pleasure and little of misery, drew him to the mortgaged

plantation. And then, if Benson did prove a shiftless fellow, he wanted

to see what kind of a place he might be soon forced to own. He might

make it his winter resort and come down there every year. The more

selfish thought reinforced the generous one, and piqued his curiosity,

as he rode slowly into the wilderness, leaving Sunshine and its

fashionable savor behind.

It was a December morning. To one not used to the tropics, the sun, the

heat, the greenness, the exhilaration were magical. Under what cold

comforter was Boston Common shivering on this winter day! What pneumonic

gales roared up Beacon Street and gnashed through Commonwealth Avenue,

seeking whom they might devour, and having not a great way to go! How

blue the street vendors looked--the Italian boys who gilded statuettes

on Tremont Street, and the man under the old courthouse who offers to

clean your gloves of the unpardonable sin--for five cents! How the

fellows shivered as they stamped the snow off in the club vestibule!

The wonder that New England is not depopulated when there is such an

Eden in which to spend the devastating winter! So Ellesworth thought as

he jogged along the uneven, sandy road, congratulating himself with

every deep breath, and sitting straight and straighter in the saddle. He

had never felt so happy and so free as he did this December morning.

Passing slowly by a deserted orchard, he could see the yellow larks

flying from tree to tree, and could hear the robins and the cat-birds

calling each other names, and mocking each other merrily. Now and then

he stopped his horse to watch a couple of quails leisurely hopping

across the road, and strained his ears to hear their thrum as they were

startled in the thicket. The very air seemed happy. Care and illness

slipped away as the sunshine slipped on the faces of the leaves. It was

December? No, it was summer with something thrown in that is never

present in our Northern June.

Ellesworth galloped along until his horse stumbled into a mud-hole.

Before him, in a hollow, a stream had to be forded in the usual Southern

way. Above and beyond, a cabin could be seen from whose outside chimney

smoke arose in a perpendicular column. Cocks crew in the distance, and

there was every indication that the outskirts of Cherokee were

represented in the hut before him. As Ellesworth halted in the deepest

part of the brook, allowing his horse to drink, he saw clusters of

mistletoe on the tops of slender trees. The dark green of this romantic

parasite set against the gray of the trees and their moss formed a new

picture for the Northerner. The glistening mistletoe with its white

berries recalled scenes that he had read about. Ellesworth had played

too lightly with life to have ever been seriously in love. The

flirtation of a few weeks or months and the solemn tenderness of devoted

love are not allied. The one passes into the other as seldom as silicon

passes into the cells of a fallen tree. Ellesworth had never gone beyond

conventional devotion: and this he had so far discreetly given to

married women. This emblem of Christmas troth actually growing before

his eyes, and seen by him in its native state for the first time,

produced a vague longing upon the young New Englander. He remembered a

precise and beautiful Boston girl, rich enough and all that, whom he had

vainly tried to consider in the light of a possible wife. What well-bred

surprise would she have poured upon him if he had attempted to claim the

right of the mistletoe branch! He had waited in order to give and

receive spontaneous, unconventional tokens of affection. He had dreamed

of walking in the fields by the side of the phantom he loved, clasping

her hand and swinging it with his, just like children in Arcadia. He

wanted no wife who would accept her husband's kiss as a matter of

necessity. He had seen them, and cynically watched the husband casting

furtive, longing looks at her who swore to cherish him unto death.

Thus spoke the chaste, the alluring mistletoe to his heart. These

thoughts surprised him, and he hurried along in vague discomfort over

the little slope (the natives called it a hill) and up to the straggling

village, called in his papers of description Cherokee Garden for no

earthly reason whatever.

"Is this Cherokee Garden?" he asked of the wrinkled white woman sitting

in the doorway of the solitary suburban residence.

"This ain't the hull of it, young man," she answered severely, taking

her corn-cob pipe out of her mouth and looking at Ellesworth as if he

had cast an aspersion upon a city. "Ye kin ride down the road a right

smart bit until ye come to the kyars. The post office is on the other

side o' the track." This she said with an accent of resentment.

"Do you know where a man called William Benson lives, whom I understand

has a--a farm here somewhere?"

When Ellesworth had finished his question the old woman got up and,

supported by her stick, tottered to his side, and peered up into his

face.

"Air ye any kin ter Bill Benson? Air ye an'thin' to him?"

"No, no," stammered Ellesworth, taken aback. "I only wanted to call on

him. Why?"

"Ye'll hev'ter go right smart ways to find Bill Benson," replied the old

woman, grimly.

She peered up into his face again, and shook her head. Ellesworth,

wondering whether his creditor had "skipped to Cuba to avoid payment,"

awaited information.

"Bill Benson" (she stopped to take a whiff, and then proceeded with a

tone of awe caught from Methodist preachers) "hez gone to glory!"

"Where?" asked Boston, ignorant of the longitude and latitude of that

strange place.

"To glory, young man!" repeated the old woman, impressively. "Elder

Jones buried Bill in Tantallon buryin' ground, four mile from hyar down

the track," added the woman, severely.

Her voice dropped to a whisper on the last words, and she looked to see

their effect upon the horseman. The red handkerchief, tied over her head

and under her chin, had fallen down behind her neck and revealed a bald

head. The cock crew from the step of the hut.

Benson dead! This, then, accounted for the note so long overdue. Benson

had been sick, and could not pay. Why had Ellesworth not known this

before? He reddened with self-reproach. This was the first tragedy which

he had stumbled upon, and how much of it was his own doing! The old

woman looked at him suspiciously.

"When did he die?" he asked softly.

The woman counted backwards on her fingers with the stem of her pipe.

"Right smart onto two weeks," she answered after much calculation. Then

she shot this question at him with a scowl, "Ye hain't no Northerner,

air ye?"

Taken off his guard, Ellesworth hesitated, and then forswore his

section.

"I--I am living at--eh--Sunshine."

Her face lighted.

"Mebbe ye'r raised in Charleston. Ye look like a South Carolinian."

Ellesworth was drawn to it by some occult power, and nodded assent. The

old woman's manner was now totally different, and she approached him

confidentially, and offered him the use of her tin snuff-box, which he

courteously declined.

"Ye haint heerd, so Colonel Tom Garvin told me, that a dum Northerner

hez got a holt on Bill's place; and there ain't none left now 'cept

Georgy and Mrs. McCorkle as is a widder nigh on ten year. Colonel Tom is

kin to her mother's second cousin, and he says thet thet dum Yankee hed

better not show up 'round these parts, for he'd get plugged if he tries

to take Bill's place away from Georgy, poor, innercent thing that she

is." The old woman's cracked voice thrilled with the passion and

tenderness of her kind; but Ellesworth did not look at her as she

finished. He felt a little frightened, and he bent over his horse to

fleck a bit of bark with his whip to conceal it.

"How far do they live from here?" he asked after a pause, which she

interpreted as actuated by sympathy.

"'Tain't no fur at all. Ye take the next turn to yer left. It's the

first plantation ye come to. I reckon ye'll see Georgy a dustin' and

sweepin'. She's almighty pertikler, she is, poor creetur."

Ellesworth thanked the old woman dreamily and rode in the direction

which she pointed out.

Ellesworth had never thought of this view of the subject. It never

occurred to him that he would be an object of hatred in Cherokee Garden.

He glanced around furtively, as if he expected to see an enemy hiding

behind the trees. At any rate, so far, he was not known. He made up his

mind that he should not be. Benson's daughter was undoubtedly a sallow,

withered young girl, with a hot temper and a deep sense of injury; and,

if she found out his identity would probably call the country to arms

against him. But the Yankee had no idea of giving up his rights. His

hands tightened on reins and whip. He meant to see the plantation that

was mortgaged in his name at any cost. But about one thing he was now

certain. Cherokee would never be a winter resort for him.

He walked his horse to the cross-road, to the left, about a thousand

yards or so, until he came in front of a house. He halted and looked at

it long and critically. It was a two-story house, built of yellow pine,

that had not been painted. In spite of this, it did not look neglected.

It had an air of scrupulous neatness and care. Around the house ran a

simple fence, made to keep the chickens and the pigs that swarmed about

him, from the garden and the piazza. A huge rose-bush covered one whole

side of the house, while in the garden and on the veranda red and white

japonicas were in flower. Flanking the walk from the gate to the house,

high azalea bushes were pushing forth their buds for the spring

blooming, and little borders of box protected with wooden boards, and

bunches of holly intersected the little garden. It was more than a

home-like looking place: it was fascinatingly cozy, with its roses and

camellias and azaleas and a single protecting palmetto, and

over-towering live oaks, and majestic pines. It was just the place

Ellesworth had dreamed of possessing. It was luxuriant; it was tropical.

The air, semi-spiced with odors of gum and blooms mounted to his brain

like a narcotic. He sat upon his horse and looked about. His eyes roamed

past the house and caught the contrast of the unkempt fields with the

neatness within the enclosure. He noted the olive fingers of the high

pines beyond the ploughed land.

It was a fair and a sad sight--William Benson was not there to enjoy his

home.

With a sigh of longing and of self-reproach he turned his face toward

the house again. Before him, with one hand on the gate, stood a woman.

She was looking at him. Questions were in her eyes. Ellesworth stared at

her in amazement, and only superlatives crowded into his mind; for she

was the most glorious woman he had ever seen. She was tall, almost to

his own height, and with a proportional figure. Dressed without

ornament, without ruffle, or frill or white at the throat, in plain

black, her face revealed itself on the green background as if it were

upon a canvas by Bastien Lepage. It was a face in which there seemed to

be many nationalities blended: Italian eyes, Spanish coloring of the

cheeks, black Indian hair, rich Mexican lips,--these cooerdinated into

the most startling type he had ever seen, through a quick, sensitive,

high-spirited intelligence, the inheritance of Southern blood. He could

not analyze this beauty; he could only gasp at it.

Francis B. Ellesworth was, as has been intimated, not a captivating man

_per se_; but as he sat upon his horse, with the flush of excitement

upon his face, and a certain refinement in his carriage that looked as

much out of place in Cherokee Garden as the face of the girl before him,

he was not an unattractive fellow. Now, as the two were not over fifteen

feet apart, and were both looking at each other, one of them had to

speak. She waited for him to do so. He simply couldn't. So she spoke

first.

"Have you lost your way, sir?"

The tremor of the dimple in her chin and the marked effort which she

made to steady her voice, showed that she was much agitated. Had she not

been expecting the man who was to take away her home for a paltry sum of

unpaid money? She had looked upon the Yankee who held her fathers notes

as little more than a thief. And now that her father had died, she

seriously considered him in the light of a murderer. She thought of his

agent as his "minion," whom it was clearly due her dignity to resist.

The case had been the talk of the scraggly village, and the judge of the

district, who was reputed to know the intricacies of all the law that

ever was tabulated, asserted vehemently in her presence that to eject

her from her home was an outrage that could not and would not be

permitted as long as the able-bodied men of Cherokee could carry a gun.

This testimony of Southern chivalry the girl fully believed.

And now the invader had come at last. She clutched the gate and

collected herself to meet him.

"No, miss, that is--is this William Benson's?--I mean----" Ellesworth

halted, remembering that his debtor was no more, and not wishing to

remind her of the fact. "_Was_ this his place?"

The magnificent girl looked at him over that fence and measured him.

Yes, the worst had come at last, and an uncalled-for insult with it. How

the stranger gloated over the fact that the place was _not_ her

father's! She drew herself to her full height; her black eyes blazed;

her cheeks became carmine. She could hardly control her voice from

indignation.

"You mistake, sir. This _is_ his place, and I think, sir, it will remain

so."

She looked at him fiercely and waited to let that sentiment fructify in

the young man's soul.

"Indeed, I--I hope so," ventured Ellesworth.

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