RALPH TOUCHETT was a philosopher, but nevertheless he knocked at his mother's door (at a quarter to seven) with a good deal of eagerness. Even philosophers have their preferences, and it must be admitted that of his progenitors his father ministered most to his sense of the sweetness of filial dependence. His father, as he had often said to himself, was the more motherly; his mother, on the other hand, was paternal, and even, according to the slang of the day, gubernatorial. She was nevertheless very fond of her only child, and had always insisted on his spending three months of the year with her. Ralph rendered perfect justice to her affection, and knew that in her thoughts his turn always came after the care of her house and her conservatory (she was extremely fond of flowers). He found her completely dressed for dinner, but she embraced her boy with her gloved hands, and made him sit on the sofa beside her. She inquired scrupulously about her husband's health and about the young man's own, and receiving no very brilliant account of either, she remarked that she was more than ever convinced of her wisdom in not exposing herself to the English climate. In this case she also might have broken down. Ralph smiled at the idea of his mother breaking down, but made no point of reminding her that his own enfeebled condition was not the result of the English climate, from which he absented himself for a considerable part of each year.

He had been a very small boy when his father, Daniel Tracy Touchett, who was a native of Rutland, in the State of Vermont, came to England as subordinate partner in a banking-house, in which some ten years later he acquired a preponderant interest. Daniel Touchett saw before him a lifelong residence in his adopted country, of which, from the first, he took a simple, cheerful, and eminently practical view. But, as he said to himself, he had no intention of turning Englishman, nor had he any desire to convert his only son to the same sturdy faith. It had been for himself so very soluble a problem to live in England, and yet not be of it, that it seemed to him equally simple that after his death his lawful heir should carry on the bank in a pure American spirit.