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finished yet。  The book she had been reading lay on the sofa;



with her tiny pencil…case in it to mark the place at which she



had left off。  One after another; he looked at the objects that



reminded him of the woman whom he lovedtook them up tenderly



and laid them down again with a sigh。  Ah; how far; how unattainably



far from him; she was still!  'She will never forget Montbarry;'



he thought to himself as he took up his hat to go。  'Not one of us



feels his death as she feels it。  Miserable; miserable wretchhow she



loved him!'







In the street; as Henry closed the house…door; he was stopped



by a passing acquaintancea wearisome inquisitive man



doubly unwelcome to him; at that moment。  'Sad news; Westwick;



this about your brother。  Rather an unexpected death; wasn't it?



We never heard at the club that Montbarry's lungs were weak。



What will the insurance offices do?'







Henry started; he had never thought of his brother's life insurance。



What could the offices do but pay?  A death by bronchitis; certified by



two physicians; was surely the least disputable of all deaths。  'I wish



you hadn't put that question into my head!' he broke out irritably。



'Ah!' said his friend; 'you think the widow will get the money?



So do I! so do I!'























CHAPTER VII











Some days later; the insurance offices (two in number)



received the formal announcement of Lord Montbarry's death;



from her ladyship's London solicitors。  The sum insured in each



office was five thousand poundson which one year's premium only



had been paid。  In the face of such a pecuniary emergency as this;



the Directors thought it desirable to consider their position。



The medical advisers of the two offices; who had recommended



the insurance of Lord Montbarry's life; were called into council



over their own reports。  The result excited some interest



among persons connected with the business of life insurance。



Without absolutely declining to pay the money; the two offices



(acting in concert) decided on sending a commission of inquiry



to Venice; 'for the purpose of obtaining further information。'







Mr。 Troy received the earliest intelligence of what was going on。



He wrote at once to communicate his news to Agnes; adding; what he



considered to be a valuable hint; in these words:







'You are intimately acquainted; I know; with Lady Barville; the late



Lord Montbarry's eldest sister。  The solicitors employed by her



husband are also the solicitors to one of the two insurance offices。



There may possibly be something in the report of the commission



of inquiry touching on Ferrari's disappearance。  Ordinary persons



would not be permitted; of course; to see such a document。



But a sister of the late lord is so near a relative as to be an exception



to general rules。  If Sir Theodore Barville puts it on that footing;



the lawyers; even if they do not allow his wife to look at the report;



will at least answer any discreet questions she may ask referring



to it。  Let me hear what you think of this suggestion; at your



earliest convenience。'







The reply was received by return of post。  Agnes declined to avail



herself of Mr。 Troy's proposal。







'My interference; innocent as it was;' she wrote; 'has already



been productive of such deplorable results; that I cannot



and dare not stir any further in the case of Ferrari。



If I had not consented to let that unfortunate man refer to me



by name; the late Lord Montbarry would never have engaged him;



and his wife would have been spared the misery and suspense from



which she is suffering now。  I would not even look at the report



to which you allude if it was placed in my handsI have heard more



than enough already of that hideous life in the palace at Venice。



If Mrs。 Ferrari chooses to address herself to Lady Barville



(with your assistance); that is of course quite another thing。



But; even in this case; I must make it a positive condition



that my name shall not be mentioned。  Forgive me; dear Mr。 Troy!



I am very unhappy; and very unreasonablebut I am only a woman;



and you must not expect too much from me。'







Foiled in this direction; the lawyer next advised making the attempt



to discover the present address of Lady Montbarry's English maid。



This excellent suggestion had one drawback:  it could only be



carried out by spending moneyand there was no money to spend。



Mrs。 Ferrari shrank from the bare idea of making any use



of the thousand…pound note。  It had been deposited in the safe



keeping of a bank。  If it was even mentioned in her hearing;



she shuddered and referred to it; with melodramatic fervour; as 'my



husband's blood…money!'







So; under stress of circumstances; the attempt to solve the mystery



of Ferrari's disappearance was suspended for a while。















It was the last month of the year 1860。  The commission of inquiry



was already at work; having begun its investigations on December 6。



On the 10th; the term for which the late Lord Montbarry had hired



the Venetian palace; expired。  News by telegram reached the insurance



offices that Lady Montbarry had been advised by her lawyers to leave



for London with as little delay as possible。  Baron Rivar; it was believed;



would accompany her to England; but would not remain in that country;



unless his services were absolutely required by her ladyship。



The Baron; 'well known as an enthusiastic student of chemistry;'



had heard of certain recent discoveries in connection with that



science in the United States; and was anxious to investigate



them personally。







These items of news; collected by Mr。 Troy; were duly communicated



to Mrs。 Ferrari; whose anxiety about her husband made her a frequent;



a too frequent; visitor at the lawyer's office。  She attempted



to relate what she had heard to her good friend and protectress。



Agnes steadily refused to listen; and positively forbade any further



conversation relating to Lord Montbarry's wife; now that Lord



Montbarry was no more。  'You have Mr。 Troy to advise you;' she said;



'and you are welcome to what little money I can spare; if money



is wanted。  All I ask in return is that you will not distress me。



I am trying to separate myself from remembrances'her voice faltered;



she paused to control herself'from remembrances;' she resumed;



'which are sadder than ever since I have heard of Lord Montbarry's death。



Help me by your silence to recover my spirits; if I can。  Let me



hear nothing more; until I can rejoice with you that your husband



is found。'







Time advanced to the 13th of the month; and more information of the



interesting sort reached Mr。 Troy。  The labours of the insurance commission



had come to an endthe report had been received from Venice on that day。























CHAPTER VIII











On the 14th the Directors and their legal advisers met for the



reading of the report; with closed doors。  These were the terms



in which the Commissioners related the results of their inquiry:



'Private and confidential。







'We have the honour to inform our Directors that we arrived in Venice



on December 6; 1860。  On the same day we proceeded to the palace



inhabited by Lord Montbarry at the time of his last illness and death。







'We were received with all possible courtesy by Lady Montbarry's brother;



Baron Rivar。  〃My sister was her husband's only attendant throughout



his illness;〃 the Baron informed us。  〃She is overwhelmed by grief



and fatigueor she would have been here to receive you personally。



What are your wishes; gentlemen? and what can I do for you in her



ladyship's place?〃







'In accordance with our instructions; we answered that the death



and burial of Lord Montbarry abroad made it desirable to obtain more



complete information relating to his illness; and to the circumstances



which had attended it; than could be conveyed in writing。



We explained that the law provided for the lapse of a certain



interval of time before the payment of the sum assured; and we



expressed our wish to conduct the inquiry with the most respectful



consideration for her ladyship's feelings; and for the convenience



of any other members of the family inhabiting the house。







'To this the Baron replied; 〃I am the only member of the family



living here; and I and the palace are entirely at your disposal。〃



From first to last we found this gentleman 

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