He smiled as the idea occurred to him. “An appropriate time to be thinking of my chances of marriage!” he said to himself. “In another month I may be a ruined man.” III. THE gentleman who had so urgently requested an interview was a devoted friend—who had obtained a means of helping Ernest at a serious crisis in his affairs. It had been truly reported that he was in a position of pecuniary embarrassment, owing to the failure of a mercantile house with which he had been intimately connected. Whispers affecting his own solvency had followed on the bankruptcy of the firm. He had already endeavored to obtain advances of money on the usual conditions, and had been met by excuses for delay. His friend had now arrived with a letter of introduction to a capitalist, well known in commercial circ