‘No, sir, I cannot,’ replied our hostess.  ’All I can say is, that Miss Jerningham is a very honourable and generous lady, and wherever she is, I wish her well.’

‘Humph!’ said the old gentleman gruffly; ’she must have a good fortune to do as she does.’

‘Yes, sir, she must,’ was the reply:  ’and go where she will, I believe that Miss Jerningham always gives plentiful alms.  It seems her settled habit, like.’

‘Settled habit!’ muttered the old gentleman:  ’she hasn’t got a settled habit, ma’am:  she is a most unsettled and extraordinary individual.’

‘Well, sir, perhaps so,’ replied Mrs Smith; ’but Miss Jerningham is quite the lady.’  And in that opinion we all coincided, supposing our hostess by the word lady to have meant gentlewoman.

A few months afterwards she called upon us in London.  She was not staying with her brother, but declined giving her address, remarking that it was not worth while, as she was about to change her abode immediately.  By accident, however, we discovered afterwards that Miss Jerningham had lodged for the whole period within a dozen doors of us.  Our surprise was lessened in after-years at the pertinacity with which she continued to appear to us, although always at uncertain intervals; for a service rendered by our father, referring to some banking transaction, apparently never escaped her memory, and she invariably alluded to this act of kindness with expressions of gratitude.  This circumstance operated, we conjectured, as an encouragement to bestow on us an unusual mark of confidence and friendship, for such Miss Jerningham considered it when requesting permission to add our address to an advertisement she was about inserting in the Times for ‘eligible board and lodging.’  She knew that newspapers were prohibited articles in our circle, consequently we had no opportunity of finding out that portion of the transaction she wished to conceal.  In what locality this ‘eligible board and lodging’ was advertised for, we never inquired, judging it would be needless to do so, but we consented to receive the letters Miss Jerningham expected in answer.

Poor Miss Jerningham! great was her amazement as well as our own when, in the course of three days, we had amassed for her consideration and perusal no less than seventy-seven letters directed to ‘X.Y.Z.’  What temptations were held forth in the advertisement which elicited so many replies we never were made acquainted with:  Miss Jerningham counted the letters, tied them up, and carried them off in triumph.  Next day we received a handsome present of some chimney-ornaments, with ’Miss Jerningham’s regards and best thanks;’ but we saw no more of the Mysterious Lady for some years.  When we did meet again in a quiet country town, she had been to America, and we had experienced vicissitude and bereavement.  Our altered mode of living made no difference to Miss Jerningham:  she accompanied us home, for we met