‘I still find it hard to believe that Matthew left you with nothing but debt,’ Joe admitted with a shake of his head. ‘I thought more of him than that. It’s a man’s job to ensure that his wife has something to live on when he’s gone.’

‘Matthew could hardly have expected to die so young.’ Caroline made her usual soothing response to comments of that nature; she’d had a lot of practice in keeping the secrets of her unhappy marriage to herself. ‘But I do wish he had been willing to buy a house, because then I would at least have had a home for the three of us.’

‘The Baileys should have helped you more than they did,’ her mother contended bitterly. ‘Of course you didn’t even have the sense to ask for a financial settlement from them.’

‘It wasn’t their fault that Matthew didn’t take out insurance cover, and they did settle all his debts… And let’s not forget that they had a stake in Hales as well, and have also lost a good deal of money,’ Caroline reminded the older woman ruefully.

‘What does that matter now, when we’ve lost everything we possess?’ Isabel Hales demanded shrilly. ‘They’ve still got their home and their household help. But we’ve got nothing! My friends have stopped phoning me. Word’s got around. Nobody wants to know you when you’re broke!’

Caroline compressed her lips and kept quiet. It was an unfortunate fact that her mother’s friendships were of the shallow sort that relied on status and money and show for fuel. Stripped of what she had once taken for granted, Isabel had been struck off the guest-lists of the well-to-do and socially prominent. It was sad for a woman of her mother’s age to suddenly find out that she had become a social pariah, but there was nothing that could be done about it. The spendthrift days of lavish entertainment, designer clothes and fancy holidays were gone for ever.

That same evening, Caroline got back to work in her studio-a converted outhouse in the courtyard behind her parents’ home.