Fred and Rosamond ride to Stone Court through midland fields Eliot renders with childhood intimacy: pools, oaks, marl-pits, and mossy thatch. Mrs. Waule is already there in her funereal yellow gig, telling Featherstone that Fred gambles at billiards, borrows against expectations, and Bulstrode condemns the Vincys for flightiness and spoiled children. The old man dismisses her but keeps the poison; Mrs. Waule leaves ruminating that property must stay in the blood. When Fred arrives he demands a written denial from Bulstrode or threatens to alter his will.
Fred is trapped: Featherstone wants proof he has not promised to pay debts out of the land, yet asking his uncle Bulstrode to swear belief feels degrading. Featherstone twits him for preferring speculation to land, then bargains: bring the letter and perhaps the old man will back Fred's scrapes. He makes Fred read his book titles aloud and forbids bringing Mary more books, though Fred means to disobey again. Meanwhile Rosamond and Mary Garth talk upstairs. Mary is plain, honest, humorous; Rosamond exquisite and calculating.
Rosamond probes Lydgate; Mary says he speaks without seeming to see her. They argue over Fred's fitness for the church and whether Mary would marry him; Mary declares she would not if asked. Featherstone makes Rosamond sing Home sweet home, which she detests, and Flow on thou shining river; when Lydgate arrives he hands her her whip and their eyes meet with sudden clarity neither performed. Lydgate thinks her an actress of parts that enter her physique; Rosamond takes the meeting as the great epoch of her life.
Rosamond, who had scripted this romantic meeting in advance, begins furnishing a married life in detail: house in Middlemarch, visits to high-bred relatives, refinements without sordid money-talk. Fred broods on the Bulstrode letter, his small debts, and how wretched he looks bragging about an uncle's money. Mary tells him Mrs. Waule called him unsteady and repeats her refusal to marry him. Fred resolves to tell his own father the whole affair. Inheritance politics, romantic fantasy, and debt tighten around the same family name as Book Two, Old and Young, opens.
Coming Up in Chapter 13
Mr. Vincy will press Bulstrode for the letter Fred needs. The conversation will expose how respectability, banking, and family rumor intertwine in Middlemarch, and how much Fred's talk has cost him Mr. Vincy comes to Bulstrode's bank for the letter Featherstone demands, but Lydgate is already there..