CHAPTER III

Miss Mackenzie's First Acquaintances

In the first fortnight of Miss Mackenzie's sojourn at Littlebath,

four persons called upon her; but though this was a success as far

as it went, those fourteen days were very dull. During her former

short visit to the place she had arranged to send her niece to a

day school which had been recommended to her as being very genteel,

and conducted under moral and religious auspices of most exalted

character. Hither Susanna went every morning after breakfast, and

returned home in these summer days at eight o'clock in the evening.

On Sundays also, she went to morning church with the other girls; so

that Miss Mackenzie was left very much to herself.

Mrs Pottinger was the first to call, and the doctor's wife contented

herself with simple offers of general assistance. She named a baker

to Miss Mackenzie, and a dressmaker; and she told her what was the

proper price to be paid by the hour for a private brougham or for a

public fly. All this was useful, as Miss Mackenzie was in a state

of densest ignorance; but it did not seem that much in the way of

amusement would come from the acquaintance of Mrs Pottinger. That

lady said nothing about the assembly rooms, nor did she speak of the

Stumfoldian manner of life. Her husband had no doubt explained to

her that the stranger was not as yet a declared disciple in either

school. Miss Mackenzie had wished to ask a question about the

assemblies, but had been deterred by fear. Then came Mr Stumfold in

person, and, of course, nothing about the assembly rooms was said

by him. He made himself very pleasant, and Miss Mackenzie almost

resolved to put herself into his hands. He did not look sour at her,

nor did he browbeat her with severe words, nor did he exact from her

the performance of any hard duties. He promised to find her a seat in

his church, and told her what were the hours of service. He had three

"Sabbath services," but he thought that regular attendance twice

every Sunday was enough for people in general. He would be delighted

to be of use, and Mrs Stumfold should come and call. Having promised

this, he went his way. Then came Mrs Stumfold, according to promise,

bringing with her one Miss Baker, a maiden lady. From Mrs Stumfold

our friend got very little assistance. Mrs Stumfold was hard,

severe, and perhaps a little grand. She let fall a word or two which

intimated her conviction that Miss Mackenzie was to become at all

points a Stumfoldian, since she had herself invoked the countenance

and assistance of the great man on her first arrival; but beyond

this, Mrs Stumfold afforded no comfort. Our friend could not have

explained to herself why it was so, but after having encountered Mrs

Stumfold, she was less inclined to become a disciple than she had

been when she had seen only the great master himself. It was not

only that Mrs Stumfold, as judged by externals, was felt to be more

severe than her husband evangelically, but she was more severe also

ecclesiastically. Miss Mackenzie thought that she could probably obey

the ecclesiastical man, but that she would certainly rebel against

the ecclesiastical woman.

There had been, as I have said, a Miss Baker with the female

minister, and Miss Mackenzie had at once perceived that had Miss

Baker called alone, the whole thing would have been much more

pleasant. Miss Baker had a soft voice, was given to a good deal of

gentle talking, was kind in her manner, and prone to quick intimacies

with other ladies of her own nature. All this Miss Mackenzie felt

rather than saw, and would have been delighted to have had Miss Baker

without Mrs Stumfold. She could, she knew, have found out all about

everything in five minutes, had she and Miss Baker been able to sit

close together and to let their tongues loose. But Miss Baker, poor

soul, was in these days thoroughly subject to the female Stumfold

influence, and went about the world of Littlebath in a repressed

manner that was truly pitiable to those who had known her before the

days of her slavery.

But, as she rose to leave the room at her tyrant's bidding, she spoke

a word of comfort. "A friend of mine, Miss Mackenzie, lives next door

to you, and she has begged me to say that she will do herself the

pleasure of calling on you, if you will allow her."

The poor woman hesitated as she made her little speech, and once cast

her eye round in fear upon her companion.

"I'm sure I shall be delighted," said Miss Mackenzie.

"That's Miss Todd, is it?" said Mrs Stumfold; and it was made

manifest by Mrs Stumfold's voice that Mrs Stumfold did not think much

of Miss Todd.

"Yes; Miss Todd. You see she is so close a neighbour," said Miss

Baker, apologetically.

Mrs Stumfold shook her head, and then went away without further

speech.

Miss Mackenzie became at once impatient for Miss Todd's arrival,

and was induced to keep an eye restlessly at watch on the two

neighbouring doors in the Paragon, in order that she might see Miss

Todd at the moment of some entrance or exit. Twice she did see a

lady come out from the house next her own on the right, a stout

jolly-looking dame, with a red face and a capacious bonnet, who

closed the door behind her with a slam, and looked as though she

would care little for either male Stumfold or female. Miss Mackenzie,

however, made up her mind that this was not Miss Todd. This lady, she

thought, was a married lady; on one occasion there had been children

with her, and she was, in Miss Mackenzie's judgment, too stout, too

decided, and perhaps too loud to be a spinster. A full week passed

by before this question was decided by the promised visit,--a week

during which the new comer never left her house at any hour at which

callers could be expected to call, so anxious was she to become

acquainted with her neighbour; and she had almost given the matter

up in despair, thinking that Mrs Stumfold had interfered with her

tyranny, when, one day immediately after lunch--in these days Miss

Mackenzie always lunched, but seldom dined--when one day immediately

after lunch, Miss Todd was announced.

Miss Mackenzie immediately saw that she had been wrong. Miss Todd was

the stout, red-faced lady with the children. Two of the children,

girls of eleven and thirteen, were with her now. As Miss Todd walked

across the room to shake hands with her new acquaintance, Miss

Mackenzie at once recognised the manner in which the street door had

been slammed, and knew that it was the same firm step which she had

heard on the pavement half down the Paragon.

"My friend, Miss Baker, told me you had come to live next door to

me," began Miss Todd, "and therefore I told her to tell you that

I should come and see you. Single ladies, when they come here,

generally like some one to come to them. I'm single myself, and these

are my nieces. You've got a niece, I believe, too. When the Popes

have nephews, people say all manner of ill-natured things. I hope

they ain't so uncivil to us."

Miss Mackenzie smirked and smiled, and assured Miss Todd that she

was very glad to see her. The allusion to the Popes she did not

understand.

"Miss Baker came with Mrs Stumfold, didn't she?" continued Miss Todd.

"She doesn't go much anywhere now without Mrs Stumfold, unless when

she creeps down to me. She and I are very old friends. Have you known

Mr Stumfold long? Perhaps you have come here to be near him; a great

many ladies do."

In answer to this, Miss Mackenzie explained that she was not a

follower of Mr Stumfold in that sense. It was true that she had

brought a letter to him, and intended to go to his church. In

consequence of that letter, Mrs Stumfold had been good enough to call

upon her.

"Oh yes: she'll come to you quick enough. Did she come with her

carriage and horses?"

"I think she was on foot," said Miss Mackenzie.

"Then I should tell her of it. Coming to you, in the best house in

the Paragon, on your first arrival, she ought to have come with her

carriage and horses."

"Tell her of it!" said Miss Mackenzie.

"A great many ladies would, and would go over to the enemy before the

month was over, unless she brought the carriage in the meantime. I

don't advise you to do so. You haven't got standing enough in the

place yet, and perhaps she could put you down."

"But it makes no difference to me how she comes."

"None in the least, my dear, or to me either. I should be glad to see

her even in a wheelbarrow for my part. But you mustn't suppose that

she ever comes to me. Lord bless you! no. She found me out to be past

all grace ever so many years ago."

"Mrs Stumfold thinks that Aunt Sally is the old gentleman himself,"

said the elder of the girls.

"Ha, ha, ha," laughed the aunt. "You see, Miss Mackenzie, we run very

much into parties here, as they do in most places of this kind, and

if you mean to go thoroughly in with the Stumfold party you must tell

me so, candidly, and there won't be any bones broken between us. I

shan't like you the less for saying so: only in that case it won't be

any use our trying to see much of each other."

Miss Mackenzie was somewhat frightened, and hardly knew what answer

to make. She was very anxious to have it understood that she was not,

as yet, in bond under Mrs Stumfold--that it was still a matter of

choice to herself whether she would be a saint or a sinner; and she

would have been so glad to hint to her neighbour that she would like

to try the sinner's line, if it were only for a month or two; only

Miss Todd frightened her! And when the girl told her that Miss Todd

was regarded, ex parte Stumfold, as being the old gentleman himself,

Miss Mackenzie again thought for an instant that there would be

safety in giving way to the evangelico-ecclesiastical influence, and

that perhaps life might be pleasant enough to her if she could be

allowed to go about in couples with that soft Miss Baker.

"As you have been so good as to call," said Miss Mackenzie, "I hope

you will allow me to return your visit."

"Oh, dear, yes--shall be quite delighted to see you. You can't hurt

me, you know. The question is, whether I shan't ruin you. Not that I

and Mr Stumfold ain't great cronies. He and I meet about on neutral

ground, and are the best friends in the world. He knows I'm a lost

sheep--a gone 'coon, as the Americans say--so he pokes his fun at me,

and we're as jolly as sandboys. But St Stumfolda is made of sterner

metal, and will not put up with any such female levity. If she pokes

her fun at any sinners, it is at gentlemen sinners; and grim work it

must be for them, I should think. Poor Mary Baker! the best creature

in the world. I'm afraid she has a bad time of it. But then, you

know, perhaps that is the sort of thing you like."

"You see I know so very little of Mrs Stumfold," said Miss Mackenzie.

"That's a misfortune will soon be cured if you let her have her own

way. You ask Mary Baker else. But I don't mean to be saying anything

bad behind anybody's back; I don't indeed. I have no doubt these

people are very good in their way; only their ways are not my ways;

and one doesn't like to be told so often that one's own way is broad,

and that it leads--you know where. Come, Patty, let us be going.

When you've made up your mind, Miss Mackenzie, just you tell me.

If you say, 'Miss Todd, I think you're too wicked for me,' I shall

understand it. I shan't be in the least offended. But if my way

isn't--isn't too broad, you know, I shall be very happy to see you."

Hereupon Miss Mackenzie plucked up courage and asked a question.

"Do you ever go to the assembly rooms, Miss Todd?"

Miss Todd almost whistled before she gave her answer. "Why, Miss

Mackenzie, that's where they dance and play cards, and where the

girls flirt and the young men make fools of themselves. I don't go

there very often myself, because I don't care about flirting, and I'm

too old for dancing. As for cards, I get plenty of them at home. I

think I did put down my name and paid something when I first came

here, but that's ever so many years ago. I don't go to the assembly

rooms now."

As soon as Miss Todd was gone, Miss Mackenzie went to work to reflect

seriously upon all she had just heard. Of course, there could be no

longer any question of her going to the assembly rooms. Even Miss

Todd, wicked as she was, did not go there. But should she, or should

she not, return Miss Todd's visit? If she did she would be thereby

committing herself to what Miss Todd had profanely called the broad

way. In such case any advance in the Stumfold direction would be

forbidden to her. But if she did not call on Miss Todd, then she

would have plainly declared that she intended to be such another

disciple as Miss Baker, and from that decision there would be no

recall. On this subject she must make up her mind, and in doing so

she laboured with all her power. As to any charge of incivility which

might attach to her for not returning the visit of a lady who had

been so civil to her, of that she thought nothing. Miss Todd had

herself declared that she would not be in the least offended. But

she liked this new acquaintance. In owning all the truth about Miss

Mackenzie, I must confess that her mind hankered after the things of

this world. She thought that if she could only establish herself as

Miss Todd was established, she would care nothing for the Stumfolds,

male or female.

But how was she to do this? An establishment in the Stumfold

direction might be easier.

In the course of the next week two affairs of moment occurred to

Miss Mackenzie. On the Wednesday morning she received from London a

letter of business which caused her considerable anxiety, and on the

Thursday afternoon a note was brought to her from Mrs Stumfold,--or

rather an envelope containing a card on which was printed an

invitation to drink tea with that lady on that day week. This

invitation she accepted without much doubt. She would go and see

Mrs Stumfold in her house, and would then be better able to decide

whether the mode of life practised by the Stumfold party would be

to her taste. So she wrote a reply, and sent it by her maid-servant,

greatly doubting whether she was not wrong in writing her answer on

common note-paper, and whether she also should not have supplied

herself with some form or card for the occasion.

The letter of business was from her brother Tom, and contained an

application for the loan of some money,--for the loan, indeed, of a

good deal of money. But the loan was to be made not to him but to

the firm of Rubb and Mackenzie, and was not to be a simple lending

of money on the faith of that firm, for purposes of speculation or

ordinary business. It was to be expended in the purchase of the

premises in the New Road, and Miss Mackenzie was to have a mortgage

on them, and was to receive five per cent for the money which she

should advance. The letter was long, and though it was manifest

even to Miss Mackenzie that he had written the first page with much

hesitation, he had waxed strong as he had gone on, and had really

made out a good case. "You are to understand," he said, "that this

is, of course, to be done through your own lawyer, who will not allow

you to make the loan unless he is satisfied with the security. Our

landlords are compelled to sell the premises, and unless we purchase

them ourselves, we shall in all probability be turned out, as we have

only a year or two more under our present lease. You could purchase

the whole thing yourself, but in that case you would not be sure of

the same interest for your money." He then went on to say that Samuel

Rubb, junior, the son of old Rubb, should run down to Littlebath

in the course of next week, in order that the whole thing might be

made clear to her. Samuel Rubb was not the partner whose name was

included in the designation of the firm, but was a young man,--"a

comparatively young man,"--as her brother explained, who had lately

been admitted to a share in the business.

This letter put Miss Mackenzie into a twitter. Like all other single

ladies, she was very nervous about her money. She was quite alive to

the beauty of a high rate of interest, but did not quite understand

that high interest and impaired security should go hand in hand

together. She wished to oblige her brother, and was aware that she

had money as to which her lawyers were looking out for an investment.

Even this had made her unhappy, as she was not quite sure whether

her lawyers would not spend the money. She knew that lone women were

terribly robbed sometimes, and had almost resolved upon insisting

that the money should be put into the Three per Cents. But she had

gone to work with figures, and having ascertained that by doing so

twenty-five pounds a year would be docked off from her computed

income, she had given no such order. She now again went to work with

her figures, and found that if the loan were accomplished it would

add twenty-five pounds a year to her computed income. Mortgages, she

knew, were good things, strong and firm, based upon landed security,

and very respectable. So she wrote to her lawyers, saying that she

would be glad to oblige her brother if there were nothing amiss. Her

lawyers wrote back, advising her to refer Mr Rubb, junior, to them.

On the day named in her brother's letter, Mr Samuel Rubb, junior,

arrived at Littlebath, and called upon Miss Mackenzie in the Paragon.

Miss Mackenzie had been brought up with contempt and almost with

hatred for the Rubb family. It had, in the first instance, been the

work of old Samuel Rubb to tempt her brother Tom into trade; and he

had tempted Tom into a trade that had not been fat and prosperous,

and therefore pardonable, but into a trade that had been troublesome

and poor. Walter Mackenzie had always spoken of these Rubbs

with thorough disgust, and had persistently refused to hold any

intercourse with them. When, therefore, Mr Samuel Rubb was announced,

our heroine was somewhat inclined to seat herself upon a high horse.

Mr Samuel Rubb, junior, came upstairs, and was by no means the sort

of person in appearance that Miss Mackenzie had expected to see. In

the first place, he was, as well as she could guess, about forty

years of age; whereas she had expected to see a young man. A man who

went about the world especially designated as junior, ought, she

thought, to be very young. And then Mr Rubb carried with him an

air of dignity, and had about his external presence a something of

authority which made her at once seat herself a peg lower than she

had intended. He was a good-looking man, nearly six feet high, with

great hands and feet, but with a great forehead also, which atoned

for his hands and feet. He was dressed throughout in black, as

tradesmen always are in these days; but, as Miss Mackenzie said

to herself, there was certainly no knowing that he belonged to

the oilcloth business from the cut of his coat or the set of his

trousers. He began his task with great care, and seemed to have none

of the hesitation which had afflicted her brother in writing his

letter. The investment, he said, would, no doubt, be a good one. Two

thousand four hundred pounds was the sum wanted, and he understood

that she had that amount lying idle. Their lawyer had already seen

her lawyer, and there could be no doubt as to the soundness of the

mortgage. An assurance company with whom the firm had dealings was

quite ready to advance the money on the proposed security, and at

the proposed rate of interest, but in such a matter as that, Rubb

and Mackenzie did not wish to deal with an assurance company. They

desired that all control over the premises should either be in their

own hands, or in the hands of someone connected with them.

By the time that Mr Samuel Rubb had done, Miss Mackenzie found

herself to have dismounted altogether from her horse, and to be

pervaded by some slight fear that her lawyers might allow so

favourable an opportunity for investing her money to slip through

their hands.

Then, on a sudden, Mr Rubb dropped the subject of the loan, and Miss

Mackenzie, as he did so, felt herself to be almost disappointed. And

when she found him talking easily to her about matters of external

life, although she answered him readily, and talked to him also

easily, she entertained some feeling that she ought to be offended.

Mr Rubb, junior, was a tradesman who had come to her on business, and

having done his business, why did he not go away? Nevertheless, Miss

Mackenzie answered him when he asked questions, and allowed herself

to be seduced into a conversation.

"Yes, upon my honour," he said, looking out of the window into the

Montpelier Gardens, "a very nice situation indeed. How much better

they do these things in such a place as this than we do up in London!

What dingy houses we live in, and how bright they make the places

here!"

"They are not crowded so much, I suppose," said Miss Mackenzie.

"It isn't only that. The truth is, that in London nobody cares what

his house looks like. The whole thing is so ugly that anything not

ugly would be out of place. Now, in Paris--you have been in Paris,

Miss Mackenzie?"

In answer to this, Miss Mackenzie was compelled to own that she had

never been in Paris.

"Ah, you should go to Paris, Miss Mackenzie; you should, indeed. Now,

you're a lady that have nothing to prevent your going anywhere. If I

were you, I'd go almost everywhere; but above all, I'd go to Paris.

There's no place like Paris."

"I suppose not," said Miss Mackenzie.

By this time Mr Rubb had returned from the window, and had seated

himself in the easy chair in the middle of the room. In doing so he

thrust out both his legs, folded his hands one over the other, and

looked very comfortable.

"Now I'm a slave to business," he said. "That horrid place in the New

Road, which we want to buy with your money, has made a prisoner of me

for the last twenty years. I went into it as the boy who was to do

the copying, when your brother first became a partner. Oh dear, how I

did hate it!"

"Did you now?"

"I should rather think I did. I had been brought up at the Merchant

Taylors' and they intended to send me to Oxford. That was five years

before they began the business in the New Road. Then came the crash

which our house had at Manchester; and when we had picked up the

pieces, we found that we had to give up university ideas. However,

I'll make a business of it before I'm done; you see if I don't, Miss

Mackenzie. Your brother has been with us so many years that I have

quite a pleasure in talking to you about it."

Miss Mackenzie was not quite sure that she reciprocated the pleasure;

for, after all, though he did look so much better than she had

expected, he was only 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. This

was the first occasion in her life in which she had gone to a party,

the invitation to which had come to her on a card, and of course she

felt herself to be a little nervous.

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