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A Change of Fortune

IT was a sad morning at the Rectory of Waverfield, in Somersetshire. The living was not a valuable one, but the rector, John Harberton, possessed a private income derived from shares in a bank in the Midlands, that had hitherto been considered a stable and flourishing institution. That morning one of the first items in the paper that met his eye was: "Failure of the Birmingham and Coventry Banking Company. Reported heavy liabilities. Wide-spread dismay."

"It is a great misfortune, my dear," the rector said, after the first exclamations of surprise and lamentation had ceased. "Still, thank God, we have our church income remaining; that cannot be touched, and we are more fortunate than many others. Naturally it will make a great difference to us, but we can do without many of the things to which we have been hitherto accustomed. Of course we must sell our horses, the brougham, and dog-cart, and content ourselves with the pony and carriage. Fortunately the girls have nearly finished their education, and it has been already arranged that our good friend here, Miss Millar, should leave at midsummer. It is a comfort to think, Miss Millar, that our misfortune will not affect you."

"Not at all, sir," the governess said. "I have already arranged with the lady, to whom you recommended me, to enter her service at the end of the summer holidays; but I most deeply regret that such a misfortune has happened to you, and had the girls been younger I would gladly have remained to finish their education, without there being any question of salary between us."

"You are very good, Miss Millar, but happily the matter has already been arranged. The greatest difficulty will be about you, Yorke. I am afraid that there will be no possibility whatever of sending you back to Rugby."

"Don't worry about me, father," the lad said, with an effort at cheerfulness, though the thought of leaving the school he loved was a painful one indeed. "I shall get on all right somehow; and you know there was never any chance of my doing anything brilliant. Though I don't say that I shall not be sorry to leave Rugby, that is nothing beside your having to give up the horses and carriage and all sorts of other things."

"It will, of course, make a wide difference to us, Yorke," his father said gravely; "but this must be faced in the right spirit. Our lot has been an exceptionally pleasant one up to the present time, and I hope that none of us will repine. I shall henceforth be as other clergymen having nothing but my stipend to depend upon."

"But will nothing be saved out of the wreck, John?" Mrs. Harberton asked.

"It would be as well to assume at once, Annie that it will be all lost; and I can only trust that, when matters are gone into, all depositors who have trusted in the bank will be paid in full. Fortunately it is a limited concern, and the money I have invested elsewhere will be sufficient to pay the amount uncalled-up on our shares. Had it been otherwise, our home might have been sold up; as it is, we shall be able to keep all the surroundings to which we are accustomed. I shall at once give notice to the coachman and gardener. The boy must be kept on. He can look after the pony, and do the rough work in the garden with the aid of a man hired for a day occasionally. One of the maids must, of course, go. We shall see how well we can manage, and I hope we shall be able to keep on the other two. We shall have to practise many little economies. Owing to the fall in the tithes and the value of the glebe land, we shall not be able to reckon upon more than £250 a year at the outside from the living, and the interest upon a few hundred pounds that may remain after the shares are paid up."

The calm tone in which the rector spoke had its effect. His wife dried her eyes; the girls, who had looked stunned at the blow which had at once swept away three-fourths of their father's income, pressed each other's hands silently, and the elder said cheerfully: "Yes, father, Bella and I will take charge of the garden, and I am sure that we shall be able to make our own dresses after a little practice, and we can make ourselves useful in all sorts of ways."

"That is the right spirit, Lucy," her father said approvingly. "We shall all be called upon to make some sacrifices, you girls not least. Although doubtless, you will have less gaiety than you before looked forward to, you will still be able to have a good deal of society in a quiet way--more, probably, than falls to the lot of the daughters of most incumbents with slender incomes; and as we are intimate with all the gentry round, I am sure that none of those we care about knowing will turn a cold shoulder on us because we have, without any fault of our own, what is called 'come down in the world.' Those who like us for ourselves will continue to do so; those who only cared for us because of our garden parties and dinners can be very well dispensed with. We have always been a very happy family, and, if we choose, can be the same in the future. As to Yorke, I must myself take charge of his education in future."

"Thank you, father!" Yorke said quietly. He was about to say something more, but he checked himself.

"Of course we must give up the idea of going to the skating party in Sir William Morton's park to-morrow," Mrs. Harberton said.

"I see no reason for our doing so," the rector said gently. "We can't sell our horses and carriage in twenty-four hours, and I should certainly prefer to go. It would be but a bad example to our neighbours if it were seen that we are broken in spirit by a worldly misfortune. Many of them know that my income was chiefly drawn from the bank. I am always preaching patience and contentment to our congregation, very many of whom have suffered heavily from agricultural distress, and what I preach we can practise, and without undervaluing the advantages of money, we can show them that we have no idea of grieving over its loss. One of my greatest regrets is that in future we shall be somewhat stinted in our means of helping our neighbours."

The next day, accordingly, the rector, his wife, and daughters drove over to the skating party, and although a few knew how great was the change effected in their circumstances by the crash at the bank, the majority believed that the report that the greater part, if not the whole, of the rector's private property had been swept away, had been grossly exaggerated, for there was nothing in their manner or appearance to afford any indication of their changed position. Yorke said that he would rather stay at home, and, when the others, started, went to the stables, and patted and talked to the horses. He had ridden all of them; for, three years before, he had been promoted from his pony, and in his holidays took long rides with his father. He had learned also to take the horses over hurdles erected in the field behind the house, and, under the instruction of his father's coachman, who had once been a stud groom, had acquired an excellent seat.

"And what are you going to do, Master Yorke?" the man asked, for he had already heard from Mr. Harberton that circumstances had occurred that would oblige him to give up his carriage and horses, but that he would try to find him another situation.

"I am not going back to school, that is quite settled. Of course it is a beastly nuisance, but it can't be helped. My father says that he intends to teach me himself; but, what with parish work, and one thing and another, I know it would be a very tiresome job for him. But even if he did, I don't see that it would be of any great use to me. Of course I cannot go up to the University now; I am not altogether sorry for that, for, you know, my father always wished me to go into the church, and although, so far, I have said nothing against it, I don't feel that I am in any way cut out for the job. Anyhow, I don't like the thought of being a drag on his hands, for after I had done with work with him there would be a terrible difficulty about getting me a berth of some kind.

"I would rather do anything in the world than be a clerk and be stuck in an office all day. That is the worst of going to a public school, you get to hate the idea of an indoor life. I would rather a hundred times go to sea or enlist in the army, when I am old enough; at any rate in the army I should see something of the world and keep myself, and at the end of my five years' service might find some opening. Then there is my father's cousin out at the Cape. When he was here last year, I know he offered to take me out with him. Of course father would not hear of it then, there was no reason why he should; but things have changed, and I don't see why I should not go now. I am getting on for sixteen, you know, and can ride and all that sort of thing, and I shot regularly last winter, and brought down some partridges too."

"Not many, master," the man said with a grin.

"No, not many," the boy admitted; "still, it was my first year, and I had only a single barrel; father himself said I did very fairly, and that he had no doubt that I should make a good shot in time."

"I have no doubt that you would, Master Yorke," the man said heartily. "You have learned to ride well, and a man with a good seat on a horse is generally good behind a gun."

Yorke Harberton was, as he said, nearly sixteen, and was a typical public-school boy--straight and clean-limbed, free from all awkwardness, bright in expression, and possessed of a large amount of self-possession, or, as he himself would have called it, "cheek;" was a little particular about the set of his Eton jacket and trousers and the appearance of his boots; as hard as nails and almost tireless; a good specimen of the class by which Britain has been built up, her colonies formed, and her battle-fields won--a class in point of energy, fearlessness, the spirit of adventure, and a readiness to face and overcome all difficulties, unmatched in the world. His thoughts were turned into a fresh channel by his conversation with William, and he strolled away with his hands deep in his pockets and his mind busy.

"Well, Yorke, what have you been doing with yourself?" was his father's first question when he returned.

"I don't know that I have been doing anything, father."

"Which does not mean that you have been in mischief, I hope?"

"No," the boy laughed, "I haven't. I went to the stables first, and since then I have been walking about the garden."

"That is quite a new amusement, Yorke, especially in winter," one of his sisters said in a tone of astonishment. "Fancy you walking round and round the garden! Wonders will never cease!"

"Well, it is quite as sensible, anyhow, Lucy, as tearing about the grass playing lawn tennis on a hot summer's day."

Like most boys of that age, Yorke, though very fond of his sisters, regarded them as mere girls, and especially objected to being in any way, as he considered, patronized by them.

"But you know, my dear," his mother said gently, "it is not often you do walk about the garden by yourself, so it was natural that Lucy should be surprised."

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