h you, and tell you if you are being cheated as I dare say you
are."

"Oh, Mrs. Holt," Honora faltered, "I--I haven't kept any books. Howard
just pays the bills."

"You mean to say he hasn't given you any allowance!" cried Mrs. Holt,
aghast. "You don't know what it costs to run this house?"

"No," said Honora, humbly. "I never thought of it. I have no idea what
Howard's income may be."

"I'll write to Howard myself--to-night," declared Mrs. Holt.

"Please don't, Mrs. Holt. I'll--I'll speak to him," said Honora.

"Very well, then," the good lady agreed, "and I will send you one of my
own books, with my own system, as soon as I get home. It is not your
fault, my dear, it is Howard's. It is little short of criminal of him. I
suppose this is one of the pernicious results of being on the Stock
Exchange. New York is nothing like what it was when I was a girl--the
extravagance by everybody is actually appalling. The whole city is bent
upon lavishness and pleasure. And I am afraid it is very often the wives,
Honora, who take the lead in prodigality. It all tends, my dear, to
loosen the marriage tie--especially this frightful habit of dining in
hotels and restaurants."

Before she left Mrs. Holt insisted on going over the house from top to
bottom, from laundry to linen closet. Suffice it to say that the
inspection was not without a certain criticism, which must be passed
over.

"It is a little large, just for you and Howard, my dear," was her final
comment. "But you are wise in providing for the future."

"For the future?" Honora repeated.

Mrs. Holt playfully pinched her cheek.

"When the children arrive, my dear, as I hope they will--soon," she said,
smiling at Honora's colour. "Sometimes it all comes back to me--my own
joy when Joshua was a baby. I was very foolish about him, no doubt. Annie
and Gwendolen tell me so. I wouldn't even let the nurse sit up with him
when he was getting his teeth. Mercy!" she exclaimed, glancing at the
enamelled watch on her gown,--for long practice had enabled her to tell
the time upside down,--"we'll be late for the train, my dear."

After returning from the station, Honora sat for a long time at her
window, looking out on the park. The afternoon sunlight had the silvery
tinge that comes to it in March; the red gravel of the centre driveway
was very wet, and the grass of the lawns of the houses opposite already a
vivid green; in the back-yards the white clothes snapped from the lin