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Once he’d lit his pipe and taken a few exaggerated puffs, he reluctantly turned his attention to his only daughter, whom he considered to be one of his few failures in life. The earl blamed his late wife for indulging the child during her formative years. The countess had favored the carrot rather than the stick, so that by the age of eighteen, the only carats Virginia knew were to be found at Cartier and not the local greengrocers.

“Let me begin by asking you, Virginia,” said the earl between puffs, “if you have finally settled all the legal bills that arose from your reckless libel action?”

“Yes, I have, Papa. But I had to sell all my shares in Barrington’s in order to do so.”

“No more than poetic justice,” commented the earl, before taking another puff on his ancient pipe. “You should never have allowed the case to get to court after Sir Edward advised you that your chances were no better than fifty-fifty.”

“But it was in the bag until Fisher wrote that unfortunate letter.”

“Another example of your lack of judgment,” spat out the earl. “Fisher was always going to be a liability, and you should never have become involved with him.”

“But he was a major in the army.”

“A rank you reach only after the war office has decided it’s time for you to retire.”

“And a Member of Parliament.”

“Who rate above only second-hand car salesmen and cattle thieves for reliability.” Virginia opted for silence in a battle she knew she couldn’t win. “Please assure me, Virginia, that you haven’t thrown your hand in with any more ne’er-do-wells.”

She thought about Desmond Mellor, Adrian Sloane and Jim Knowles, to whom she knew her father wouldn’t have given house room. “No, Papa, I’ve learned my lesson, and won’t be causing you any more trouble.”

“I’m glad to hear it.”

“But I must admit that it’s quite difficult to live in London on only two thousand pounds a month.”

“Then come back and live in Kinross, where one can exist quite comfortably on two thousand a year.”

Virginia knew only too well that was the last thing her father would want, so she decided to take a risk. “I was rather hoping, Papa, you might see your way to raising my allowance to three thousand a month.”

“You needn’t give that a second thought,” came back the immediate reply. “In fact, after your most recent shenanigans, I was thinking of cutting your allowance in half.”

“But if you did that, Papa, how could I hope to survive?” She wondered if this was the moment to burst into tears.

“You could behave like the rest of us and learn to live within your means.”

“But my friends rather expect—”

“Then you’ve got the wrong friends. Perhaps the time has come for you to join the real world.”

“What are you suggesting, Papa?”

“You could start by dismissing your butler and housekeeper, who are in my opinion an unnecessary expense, and then move into a smaller flat.” Virginia looked shocked. “And you could even go out and look for a job.” Virginia burst into tears. “Although that, come to think of it, would be pointless, as you’re not qualified to do anything apart from spending other people’s money.”

“But, Papa,” Virginia said, dabbing away a tear, “another thousand a month would solve all my problems.”

“But not mine,” said the earl. “So you can begin your new regime by taking a bus to the station and traveling back to London—second class.”

* * *

Virginia had never entered a second-class carriage and, despite her father’s admonition, had no intention of doing so. However, during the long journey back to King’s Cross, she did give considerable thought to her current predicament, and what choices had been left open to her if she was not to further exhaust the old man’s patience.

She had already borrowed small amounts from several friends and acquaintances, and one or two of them were beginning to press her for repayment, while others seemed resigned to the fact that she hadn’t considered the money a loan, more of a gift.

Perhaps she could learn to live without a butler and a cook, visit Peter Jones more often than Harrods, and even board the occasional bus, rather than hail a taxi. However, one thing she could never agree to do was to travel on the tube. She didn’t care to go underground, unless it was to visit Annabel’s. Her weekly visit to the hair salon was also nonnegotiable, and white wine in place of champagne was unthinkable. She also refused to consider giving up her box at the Albert Hall, or her debenture seats at Wimbledon. She’d been told by Bofie Bridgwater that some of his friends rented them out when they weren’t using them. So vulgar, although she had to admit it would be marginally better than losing them altogether.

However, Virginia had noticed recently that she’d been receiving more brown envelopes through the letterbox. She left them unopened in the vain hope that they would go away, whereas in truth they were often followed by a solicitor’s letter warning of an impending writ if their client’s bills were not paid within fourteen days. As if that wasn’t enough, she had that morning opened a letter from her bank manager asking to see her ladyship at her earliest convenience.

Virginia had never met a bank manager, and it certainly wasn’t convenient. But when she returned to Cadogan Gardens and opened her front door, she discovered that the brown envelopes on the hall table now outnumbered the white. She took the letters through to the drawing room, where she divided them into two piles.

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