"But I may ask you a question, Richard?"

"I think so," said he, laughing. "I don't know who may not, if you may not."

"You say, yourself, you are not leading a very settled life."

"How can I, my dear Esther, with nothing settled!"

"Are you in debt again?"

"Why, of course I am," said Richard, astonished at my simplicity.

"Is it of course?"

"My dear child, certainly. I can't throw myself into an object so completely without expense. You forget, or perhaps you don't know, that under either of the wills Ada and I take something. It's only a question between the larger sum and the smaller. I shall be within the mark any way. Bless your heart, my excellent girl,"