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The bell stopped, and the succeeding silence was harshly broken by the shrill whistle of a train. "There's the five o'clock train," said Delia to herself; "to-morrow by this time she will be here." Mrs Winn and Miss Gibbins meanwhile had pursued their way home together, for they lived close to each other.

They carried on their operations in the premises in Union Street now occupied by the Corporation as offices for their gas department. This bank did a large business with merchants and wholesale traders, and it "was a very useful bank." After several changes, the firm became Gibbins, Smith, and Goode.

"Oh, well," said Miss Gibbins, shaking her head rather nervously as she looked at Delia, "we all know what a champion Mr Goodwin has in you, Delia. `Music with its silver sound' draws you together, as Shakespeare says. And, of course, we're all proud of our organist in Dornton, and, of course, he has great talent.

Gibbins, H. de B.: Industry in England. Warner, George Townsend: Landmarks in English Industrial History. Price, L. L.: A Short History of English Commerce and Industry. Seebohm, Frederic: The English Village Community.

"It's a pity Delia Hunt has such blunt manners, isn't it?" said the latter regretfully, "and such very decided opinions for a young girl? It's not at all becoming. I felt quite uncomfortable just now." "She'll know better by-and-by," said Mrs Winn. "There's a great deal of good in Delia, but she is conceited and self-willed, like all young people." Miss Gibbins sighed.

THE ALIEN INVASION. By W.H. WILKINS, B.A., Secretary to the Society for Preventing the Immigration of Destitute Aliens. THE RURAL EXODUS. By P. ANDERSON GRAHAM. LAND NATIONALIZATION. By HAROLD COX, B.A. A SHORTER WORKING DAY. By H. DE B. GIBBINS and R.A. HADFIELD, of the Hecla Works, Sheffield. By H.E. MOORE. TRUSTS, POOLS AND CORNERS: As affecting Commerce and Industry.

"I am going to Mr Goodwin for a lesson, and I am late already." Mrs Winn had, however, some information to give about Mr Goodwin. Julia Gibbins, who had just looked in, had met him on the way to give a lesson at Pynes. "So," she added, "he can't possibly be home for another half-hour at least, you know; and you may just as well spend the time in doing something useful."

They were Joshua Scholefield, Joseph Gibbins, Henry Van Wart, Thomas Pemberton, Samuel A. Goddard, and Samuel Evans, of Cradley. For a time the company was prosperous, but about 1842 came a revulsion, and iron rapidly fell in price from £10 to £5 per ton. The company became greatly embarrassed. Most of the directors became sick of the concern, and lost all interest in it.

"So I do," said Delia, with a smile; "in fact, I feel so lowly and reverent sometimes, that I could almost worship Mr Goodwin. I am ready to humble myself to the dust, when I hear him playing the violin." Mrs Winn was preparing to make a severe answer to this, when Miss Gibbins, who was tired of being silent, broke adroitly in, and changed the subject.

"There was one thing, though," pursued Miss Gibbins, dropping her voice a little, "that Mrs Forrest was not able to prevent, and that was her brother-in-law's marriage. I happen to know that she felt that very much. And it was a sad mistake altogether, wasn't it?"