and marriage should come to her, as come they probably might, she would endeavour to attune herself to a new happiness and a new sphere of duties.  In the meantime she was contented to keep her mother’s accounts, and look after her brother and sister up two pair of stairs in the Ludwigs Strasse.  But change would certainly come, we may prophesy; for Isa Heine was a beautiful girl, tall and graceful, comely to the eye, and fit in every way to be loved and cherished as the partner of a man’s home.

I have said that an English clerk made a part of that small establishment in the dingy banking-office in the Schrannen Platz, and I must say a word or two of Herbert Onslow.  In his early career he had not been fortunate.  His father, with means sufficiently moderate, and with a family more than sufficiently large, had sent him to a public school at which he had been very idle, and then to one of the universities, at which he had run into debt, and had therefore left without a degree.  When this occurred, a family council of war had been held among the Onslows, and it was decided that Herbert should be sent off to the banking-house of Heines, at Munich, there being a cousinship between the families, and some existing connections of business.

It was, therefore, so settled; and Herbert, willing enough to see the world,—as he considered he should do by going to Munich,—started for his German home, with injunctions, very tender from his mother, and very solemn from his aggrieved father.  But there was nothing bad at the heart about young Onslow, and if the solemn father had well considered it, he might perhaps have felt that those debts at Cambridge reflected more fault on him than on his son.  When Herbert arrived at Munich, his cousins, the Heines,—far-away cousins though they were,—behaved kindly to him.  They established him at first in lodgings, where he was boarded with many others, having heard somewhat of his early youth.  But when Madame Heine, at the end of twelve months, perceived that he was punctual at the bank, and that his allowances, which, though moderate in England, were handsome in Munich, carried him on without debt, she opened her motherly arms and suggested to his mother and to himself, that he should live with them.  In this way he also was domiciled up two pairs of stairs in the palatial residence in the Ludwigs Strasse.

But all this happened long ago.  Isa Heine had been only seventeen when her cousin had first come to Munich, and had made acquaintance with him rather as a child than as a woman.  And when, as she ripened into womanhood, this young man came more closely among them, it did not strike her that the change would affect her more powerfully than it would the others.  Her uncle and father, she knew, had approved of Herbert at the bank; and Herbert had shown that he could be steady; therefore he was to be taken into their family, paying his annual subsidy, instead of being left with strangers at the boarding-house.  All this was very simple to her.  She assisted in mending his linen, as she did her father’s; she visited his room daily, as she visited all the others; she took notice of his likings and dislikings as touching their table arrangement,—but by no means such notice as she did of her father’s; and without any flutter, inwardly in her imagination or outwardly as regarded the world, she made him one of the family.  So things went on for a year,—nay, so things went on for two years with her, after Herbert Onslow had come to the Ludwigs Strasse.

But the matter had been regarded in a very different light by Herbert himself.  When the proposition had been made to him, his first idea had been that so close a connection with, a girl so very pretty would be delightful.  He had blushed as he had given in his adhesion; but Madame Heine, when she saw the blush, had attributed it to anything but the true cause.  When Isa had asked him as to his wants and wishes, he had blushed again, but she had been as ignorant as her mother.  The father had merely stipulated that, as the young Englishman paid for his board, he should have the full value of his money, so that Isa and Agnes gave up their pretty front room, going into one that was inferior, and Hatto was put to sleep in the little closet that had been papa’s own peculiar property.  But nobody complained of this, for it was understood that the money was of service.

For the first year Herbert found that nothing especial happened.  He always fancied that he was in love with Isa, and wrote some poetry about her.  But the poetry was in English, and Isa could not read it, even had he dared to show it to her.  During the second year he went home to England for three months, and by confessing a passion to one of his sisters, really brought himself to feel one.  He returned to Munich resolved to tell Isa that the possibility of his remaining there depended upon her acceptance of his heart; but for months he did not find himself able to put his resolution in force.  She was so sedate, so womanly, so attentive as regarded cousinly friendship, and so cold as regarded everything else, that he did not know how to speak to her.  With an English girl whom he had met three times at a ball, he might have been much more able to make progress.  He was alone with Isa frequently, for neither father, mother, nor Isa herself objected to such communion; but yet things so went between them that he could not take her by the hand and tell her that he loved her.  And thus the third year of his life in Munich, and the second of his residence in the Ludwigs Strasse, went by him.  So the years went by, and Isa was now past twenty.  To Herbert, in his reveries, it seemed as though life, and the joys of life, were slipping away from him.  But no such feeling disturbed any of the Heines.  Life of course, was slipping away; but then is it not the destiny of man that life should slip away?  Their wants were all satisfied, and for them, that, together with their close family affection, was happiness enough.

At last, however, Herbert so spoke, or so looked, that both Isa and her mother saw that his heart was touched.  He still declared to himself that he had made no sign, and that he was an oaf, an ass, a coward, in that he had not done so.  But he had made some sign, and the sign had been read.  There was no secret,—no necessity for a secret on the subject between the mother and daughter, but yet it was not spoken of all at once.  There was some little increase of caution between them as Herbert’s name was mentioned, so that gradually each knew what the other thought; but for weeks, that was all.  Then at last the mother spoke out.

“Isa,” she said, “I think that Herbert Onslow is becoming attached to you.”

“He has never said so, mamma.”

“No; I am sure he has not.  Had he done so, you would have told me.  Nevertheless, is it not true?”

“Well, mamma, I cannot say.  It may be so.  Such an idea has occurred to me, but I have abandoned it as needless.  If he has anything to say he will say it.”

“And if he were to speak, how should you answer him?”

“I should take time to think.  I do not at all know what means he has for a separate establishment.”  Then the subject was dropped between them for that time, and Isa, in her communications with her cousin, was somewhat more reserved than she had been.

“Isa, are you in love with Herbert?” Agnes asked her, as they were together in their room one night.

“In love with him?  No; why should I be in love with him?”

“I think he is in love with you,” said Agnes.

“That is quite another thing,” said Isa, laughing.  “But if so, he has not taken me into his confidence.  Perhaps he has you.”

“Oh no.  He would not do that, I think.  Not but what we are great friends, and I love him dearly.  Would it not be nice for you and him to be betrothed?”

“That depends on many things, my dear.”

“Oh yes, I know.  Perhaps he has not