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  2. Mrs. Smith tells Anne the story of her acquaintance with Mr. Elliot. She considers him to be a man "without a heart or a conscience, a cold-blooded being." In the past, he had been the good friend of her late husband, and Mrs. Smith had accepted him as a friend of her own.

  3. Smith tells Anne she and her husband were good friends with Mr. Elliot and his wife, and that it was Mr. Elliot who encouraged her husband to spend money he did not have, driving the Smiths into debt.

  4. Mrs. Smith believes Anne is in love with Mr. Elliot, suggesting that he is an extremely eligible bachelor and a match her friends must desire as perfectly suited, but Anne corrects her and insists she will never marry Mr. Elliot. She then asks how Mrs. Smith knows Mr. Elliot.

  5. She tells Mrs. Smith about the upcoming concert and Mrs. Smith makes a cryptic remark that she thinks she may not have many more visits from Anne. Summary: Chapter 20. The Elliot family goes to the concert, which all the important people in Bath will attend.

  6. Based on rumors heard from Mrs. Rooke, Mrs. Smith speculates that Anne and Mr. Elliot are on intimate terms—indeed, that the two will soon marry. When Anne denies any truth in such speculations, Mrs. Smith attempts to convince her that Mr. Elliot is “safe.”

  7. She also wonders how Mrs. Smith knows Mr. Elliot. Mrs. Smith needs a favor from William Elliot and hoped that Anne would help her once she was married to him. But once Mrs.Smith realizes Anne’s true feelings, she tells her story about her connection to William Elliot.

  8. Mrs. Smith says that part of the reason is Anne herself – Mr. Elliot really does want to marry her. Anne objects that Mr. Elliot had wormed into her family circle even before she arrived in Bath. Mrs. Smith brings out reason #2, and her name is Mrs. Clay.

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