Lady With a Black Umbrella

Giles Fairhaven, Viscount Kincade, does not believe his life can get much worse after his purse is stolen at an inn before he has paid his bill and then he is set upon by three ruffians in the inn yard before he can leave. But it does grow worse when a little slip of a lady clad only in a flannel nightgown and wielding a large black man's umbrella comes to his rescue and puts his assailants to rout and then--after he has left--pays his reckoning at the inn plus the money he lost the evening...