and then she died, leaving him a little boy-baby, who was named Francis after the clergyman's eldest brother. Some ten years later the Reverend Henry Raynor himself died; and the little boy was an orphan, possessed of just sufficient means to educate him and give him a start in life in some not too costly profession. When the time came, he chose that of medicine, as his Uncle Hugh had done before him.

The eldest of the three brothers was the last to marry: Captain Raynor. He and his young wife led rather a scrambling sort of life for some years afterwards, always puzzled how to make both ends of their straitened income meet; and then a slice of good fortune (as the captain regarded it befell him. Some distant relative left him an annuity of five hundred a-year. Five hundred a-year in addition to his pay seemed riches to the captain: whilst his unsophisticated and not too-well-managing wife thought they were now clear of