In the passage, the Duke mocks a woman, calling attention to her horse, which she defends as a safe and comfortable mount rather than a workhorse. Phoebe explains that the horse belongs to her cousin and emphasizes its suitability for a lady. The Duke pretends to be impressed but is clearly skeptical, leading Phoebe to express her disdain through a scornful glance.

As the conversation unfolds, Phoebe's initial annoyance turns into laughter, showcasing her sense of humor. She comments on the horse's less-than-ideal physical attributes, prompting a reaction from Miss Mary Ingham, who disapproves of Phoebe's amusement. This scene highlights the witty banter and social dynamics between the characters, revealing their personalities through playful yet pointed dialogue.