“‘You are not to let me off in this way,’ said he.  ’You will find a hundred pounds lying in the bank to your credit, which, as you are a prudent woman, you may be trusted to invest yourself in any way that you may judge best for yourself or the orphans.  My idea is that you may take a little shop, and this sum would stock it.  I could assist you with my name further than the sum of money I have given to you, if it is necessary.’

“It flashed on my mind that this was a grand opening; but it seemed so selfish and greedy-like to take advantage of his kindness, and to leave him, and Mrs. Phillips, and the bairns, to further my own plans.  I said as much to him, but he would not hear of a refusal.

“’You never can manage to do much for the children at service, for all your wages, except your own necessary expenses, goes home and is spent; but by having a little business, you may save more than you could send to them now, and get them a better education, and give them a better start.  No doubt we will miss you here; but Mrs. Bennett is a very excellent person, and now I hear that Dr. Grant is going to buy Mr. McDougall’s station, only fifteen miles off, we can get him to come on an emergency, though he says he would rather not practise.  I will not say that we can do very easily without you, but we must not keep you always here.’

“The kindness of Mr. Phillips I will never forget.  Well, it was done all as he planned it.  I went to Melbourne and saw Sandy Lowrie, and he gave me good accounts of the bairns, as growing in stature, and Tam and Jamie keen of their learning, but the old woman, their grandmother, he said was sore failed, and no likely to be long spared.

“I took a little shop at a low rent, in a little village, a bit out of the town, for I was frightened to incur much risk, and I set up on my own footing, with ‘M.  Walker, general store,’ over my door-cheek.

“I was doing a decent business, in a small way, among poor people mostly; and I set my face very steady against giving credit, for two reasons—­first, that I was not clever enough to keep accounts; and besides that, it just does working folk harm to let them take on.  At a time of sickness I might break through my rule, but at no other time.  All the folk about me called me Miss Walker, very much to my surprise; and as I was thought to be making money, I had no want of sweethearts.  After I had gone on for some years the diggings broke out, and there was an awful overturn of everything in Melbourne.  I made a lot of money, and I bought the shop from the landlord, and was very proud to get my title-deed written out on parchment, and to see myself a woman of landed heritable property; and then I made my will, too, for I had something to leave.  I never was doing better in business in my life than when Robbie Lowrie, a brother of Sandy’s, came out to go to the diggings, and maybe with an eye to make up to myself; but the news he brought me made me change