"Pray do not concern yourself, Miss Ballinger." Lovejoy calmly collected the cards. "There is no great rush. If you will merely give me your vowels tonight, I shall be happy to wait until such time as it is more convenient for you to settle your debt. I am certain we shall be able to come to terms."

Wordlessly, her heart pounding with the enormity of what she had done, Augusta wrote out an IOU for a thousand pounds and signed her name. Then she got to her feet, aware that she was shaking so badly she might actually humiliate herself by collapsing.

"If you will excuse me, sir," she managed with creditable calm, "I must return to the ballroom. My cousin will wonder where I am."

"Of course. Let me know when you are prepared to deal with your debt. We shall work out an arrangement that is mutually agreeable." Lovejoy smiled a slow, insinuating smile.

Augusta wondered why she had never before noticed the unpleasant gleam in his fox-green eyes. She steeled herself to ask a favor. "Will you give me your word, sir, as a gentleman, not the mention this incident to anyone? I would not want my uncle or… or certain other parties to hear of it."

"Certain other parties such as your finance? I can understand your concern. Graystone would not be inclined to be indulgent about a lady's gaming debts, would he? Such a stickler for the proprieties as he is would probably not approve of ladies playing cards in the first place."

Augusta 's heart sank even farther. What a mess this was going to be. And it was all her own fault. "No, I imagine not."

"You may rest assured I will keep silent." Lovejoy inclined his head with mocking gallantry. "You have my word on it."

"Thank you."

Augusta turned away and fled toward the bright lights and laughter of the ballroom. Her mind was reeling with the knowledge that she had been a fool.

Quite naturally the first person she saw when she left the card room was Harry. He had spotted her and was making his way toward her through the glittering crowd. Augusta took one look at him and was filled with an overwhelming desire to throw herself into his arms, confess all, and beg for advice.

Dressed in his austere evening attire with an immaculately folded white cravat around his strong throat, Graystone looked formidable enough to take on two or three Lovejoys and dispatch them all with ease. There was something reassuringly strong and solid about her fiance, Augusta realized. This was a man one could depend upon, if one had not gotten oneself into a situation through sheer stupidity.

Unfortunately, Graystone had no patience with stupidity.

Augusta straightened her shoulders. The problem was of her own making and she was obliged to find a way to pay her own debts. She could not possibly involve Harry in this fiasco. A Northumberland Ballinger took care of her own honor.

Augusta watched wistfully as Harry forged a path through the throng in her direction. She saw with dismay that he appeared displeased. His hooded gaze flickered briefly over her shoulder to the entrance to the card room and then raked her face.

"Are you all right, Augusta?" he asked sharply.

"Yes, quite all right. I vow it is rather warm in here, is it not?" She unfurled her fan and employed it industriously. Frantically she sought for a topic of conversation that might deflect his attention from the card room. "I wondered if you'd put in an appearance tonight. Have you been here long, my lord?"

"I arrived a few minutes ago." His gaze narrowed thoughtfully as he studied her flushed face. "I believe they have opened the doors for a late supper. Would you care for something to eat?"

"That would be wonderful. I should like to sit down for a few minutes." The truth was she wanted to sit down before she fell down. When Harry offered her his arm, she clung to it as though it were a lifeline in a raging sea.

It was while she was munching on a lobster pattie and gulping chilled punch which Harry procured for her that Augusta finally calmed herself sufficiently enough to start thinking clearly. There was really only one solution to her dilemma: her mother's ruby necklace.

The thought of parting with it made the tears burn in Augusta's eyes, but she told herself she deserved the anguish. She had been a fool and now she must pay the price.

"Augusta, are you quite certain there is nothing wrong?" Harry asked again.

"Quite certain, my lord." The lobster pattie tasted like sawdust, she noticed.

Harry's brow rose slightly. "You would, of course, feel free to tell me if anything serious was troubling you, would you not, my dear?"

"That would depend, my lord."

"On what?" There was an unexpected hint of steel in Harry's normally unemotional voice.

Augusta shifted restlessly in her chair. "On whether or not I thought you might be inclined to respond in a kind, understanding, and helpful manner."

"I see. And if you feared I would not respond in such a manner?"

"Then I would no doubt refrain from telling you a single blasted thing, sir."

Harry's eyes narrowed slightly. "Need I remind you we are engaged, Augusta?"

"You do not need to remind me of that fact, my lord. I assure you it is usually at the forefront of my mind these days."

There was only one place to go for advice on how to proceed with the business of pawning a valuable necklace. The day after the shocking disaster in the card room, Augusta went straight to Pompeia's.

The door was opened by a grouchy Scruggs, who peered at her from beneath his bushy brows.

"It's you, is it, Miss Ballinger? I suppose you know the members are all busy settling the wagers they made regarding your engagement."

"I am glad to hear that someone is gaining something out of it," Augusta muttered as she went past him. She paused in the hall, recalling the medicine she had brought him a few days earlier. "I almost forgot. Did the tonic help your rheumatism, Scruggs?"

"The tonic worked miracles after I followed it with a bottle of Lady Arbuthnott's best brandy. Unfortunately, I could not induce any of the housemaids to assist me in testing the remainder of the cure."

Augusta smiled briefly in spite of her low mood. "I am glad to hear that."

"This way, Miss Ballinger. Madam will be pleased to see you, as usual." Scruggs opened the doors to Pompeia's.

There were a handful of ladies in the club, most busy reading the newspapers or scribbling away at the writing tables. The gossip concerning the scandalous love lives of both Byron and Shelley had only fueled the determination of the club's aspiring writers to get themselves published.

It was odd how virtue, or the lack thereof, could affect one, Augusta reflected. Byron's or Shelley's distinctly unvirtuous romantic liaisons might very well produce just the inspiration needed by one of Pompeia's members to get her own work into print.

Augusta swept through the room, heading straight for the hearth. There was a cheerful blaze going, as usual, although the day was pleasant. Sally seemed to always be cold these days. She was in her chair near the fire and, fortunately for Augusta, she was temporarily without company. A book lay open on her lap.

"Hello, Augusta. How are you today?"

"Perfectly miserable. Sally, I have gotten myself into a terrible situation and I have come to beg your advice." Augusta sat down close to the older woman and leaned over to whisper. "I want you to tell me how one goes about pawning a necklace."

"Oh, dear, this does sound serious." Sally closed her book and gazed inquiringly at Augusta. "Perhaps you had better tell me everything right from the beginning.

"I have been a perfect idiot."

"Yes, well, we all are, sooner or later. Now, why don't you tell me the tale? I confess I have been a trifle bored this afternoon."

Augusta took a deep breath and explained the disaster in all its unpleasant detail. Sally listened attentively and then nodded in complete understanding.

"Of course you must settle the debt, my dear," she said. "It is a matter of honor."

"Yes, precisely. I have no choice."

"And your mother's necklace is the only thing of value you have to pawn?"

"I fear so. All my other jewelry has been given to me by Uncle Thomas and I would not feel right selling it."

"You do not feel you could go to your uncle and request his assistance in this?"

"No. Uncle Thomas would be vastly overset by this entire mess and I could not blame him. He would be extremely disappointed in me. A thousand pounds is a great deal of money. He has been far too generous already."

"He will be getting a considerable sum in marriage settlements from Graystone," Sally pointed out dryly.

Augusta blinked in surprise. "He will?"

"I believe so.

"I did not know that." Augusta scowled. "Why is it that men never discuss that sort of thing with the women involved? They treat us as if we were feebleminded. No doubt doing so makes them feel superior to us."

Sally smiled. "That may be part of it, but I think there is more to it than that. I believe, at least in the case of men such as your fiance and your uncle, that they act the way they do because they feel protective."

"Rubbish. But be that as it may, the settlements, whatever they are, will not be made for another four months. I cannot wait that long. I have the distinct impression that Lovejoy will begin hounding me for repayment very soon.

"I see. And you do not feel you could take this matter to Grays tone?"

Augusta stared at her, utterly aghast. It took her several seconds to close her mouth. "Tell Graystone I lost a thousand pounds to Lovejoy? Are you mad? Have you any notion of how he would react to such information? I cannot even bear to contemplate the explosion that would take place if I were to confess this to him.