the most terrible thing in all creation. A battle is nothing to it⁠—for in a battle you can at least fight for your life. It happens when the partners or the company, or whatever they may be, have had losses, or are reported to have had losses, and a rumour gets up against the bank. Sometimes it may be a long time threatening, sometimes it may get up in a single day⁠—but as soon as the rumour gets the length of a panic, everybody that has money deposited comes to draw it out, and everybody that has a note of the bank comes for his money. In those days Vernon’s issued notes, like all the other great country banks. I was in mortal terror for a run: I never was in such a state in my life. And it was then, as I told you, Miss Hester, that I went to your mother. Of course we had not money enough to meet it⁠—the most solvent could scarcely hope to have that at a moment’s notice. Next day was the market day, and I knew that, as sure as life⁠—! I have passed through many a troublesome moment, but never one like that.”

And, as if even the thinking of it was more than he could bear, the old clerk took out his handkerchief and wiped his forehead. Hester had listened with great interest, but still with a little impatience: for though the run upon the bank would have interested her at another time, it was more than her attention was equal to now.

“But was not my father here as well as my mother?” said Hester, in her clear voice, unconscious of any need to subdue it.

Mr. Rule looked at her with a startled air and a half-involuntary “Hush!”

“Your father!” he said, with a tone of consternation. “Oh; the fact was that your father⁠—did not happen to be there at the time.”

Hester waved her hand slightly as a token for him to go on. She had a feeling that these words were of more importance than they seemed to be, but they confused her, and she did not as yet see what this importance was. She remembered that she had thought so when he told her this incident before.

“Where was I?” said Mr. Rule. “Oh, yes, I remember; just going into the White House with my mind full of trouble, not knowing what to do. Well, Miss Hester, when I found that your⁠—I mean when I discovered that your⁠—mother was alone, I told her the dreadful condition I was in⁠—Nobody to say what to do, no chief authority to direct, and market-day tomorrow, and a run as sure as fate. Now, you know, we could have telegraphed all over the country, but there was no such thing as a telegraph then. I had to explain it to her just as I have to you, and I feel sure she didn’t understand me in the very least. She only knew there was money wanted. She stepped across the room in her pretty sandals, with her scarf hanging from her shoulders, as if she had been going to play her harp, and opened a little bit of a desk, one of those gimcrack things, all rosewood and velvet, which were the fashion then, and took out all her money and brought it to me. It was in our own notes, poor dear,” said old Rule, with a little laugh; “and it came to just twenty pounds. She would have made me take it⁠—forced it upon me. She did not understand a bit. She was full of trouble and sympathy, and ready to give up everything. Ah, I have often told Miss Vernon since. It was not want of will; it was only that she did not understand.”

“I am sure you mean to speak kindly of mamma,” said Hester, with a quick blush of alarmed pride; “but I don’t think it is so difficult to make her understand. And what did you do after that? Was there a run⁠—and how did you provide⁠—?”

She did not know what to say, the questions seemed to get into her throat and choke her. There was something else which she could not understand which must soon be made clear. She gave furtive glances at the old clerk, but did not look him in the face.

“Ah, I went to Miss Vernon. She was but a young lady then. Oh, I don’t mean to say young like you. It is thirty years ago. She was older than your pretty young mamma, and though she had a great share in the business she never had taken any part in it. But she was come of a family that have all had fine heads for business. Look at Mr. Edward now: what a clear understanding he has, and sees exactly the right thing to do, whatever happens. She was a little shocked and startled just at first, but she took it up in a moment, no man could have done it better. She signed away all her money in the twinkling of an eye, and saved the bank. When all the crowd of the country folk came rushing to draw out their money, she stepped in⁠—well, like a kind of goddess to us, Miss Hester⁠—and paid in almost her whole fortune, all her mother’s money, every penny she had out of the business, and pulled us through. I can remember her too, as if it had been yesterday, the way she stepped in⁠—with her head held high, and a kind of a triumph about her; something like what I have seen in yourself, my dear young lady.”

“Seen in me! You have never seen me with any triumph about me,” cried Hester, bitterly. “And where have you seen me? I scarcely know you. Ah, that was because of the money she had. My mother, with her twenty pounds, what could she do? But Catherine was rich. It was because of her money.”

“Her money was

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