f patronage that was unendurable.

"Confound the fellow's impudence!" said Jack to himself; and he did not
answer the invitation.

Personally his situation was desperate enough, but he was not inclined to
face it. In a sort of stupor he let the law take its course. There was
nothing left of his fortune, and his creditors were in possession of his
house and all it contained. "Do not try to keep anything back that
legally belongs to them," Edith had written when he informed her of this
last humiliation. Of course decency was observed. Jack's and Edith's
wardrobes, and some pieces of ancestral furniture that he pointed out as
belonging to his wife, were removed before the auction flag was hung out.
When this was over he still temporized. Edith's affectionate entreaties
to him to leave the dreadful city and come home were evaded on one plea
or another. He had wild schemes of going off West or South
--of disappearing. Perhaps he would have luck somewhere. He couldn't ask
aid or seek occupation of his friends, but some place where he was not
known he felt that he might do something to regain his position, get some
situation, or make some money--lots of men had done it in a new country
and reinstate himself in Edith's opinion.

But he did not go, and days and weeks went by in irresolution. No word
came from Carmen, and this humiliated Jack more than anything else--not
the loss of her friendship, but the remembrance that he had ever danced
attendance on her and trusted her. He was getting a good many wholesome
lessons in these days.

One afternoon he called upon Miss Tavish. There was no change in her.
She received him with her usual gay cordiality, and with no affectation.

"I didn't know what had become of you," she said.

"I've been busy," he replied, with a faint attempt at a smile.

"Yes, I know. It's been an awful time, what with Henderson's death and
everything else. Almost everybody has been hit. But," and she looked at
him cheerfully, "they will come up again; up and down; it is always so.
Why, even I got a little twist in that panic." The girl was doing what
she could in her way to cheer him up.

"I think of going off somewhere to seek my fortune," said Jack, with a
rueful smile.

"Oh, I hope not; your friends wouldn't like that. There is no place like
New York, I'm sure." And there was a real note of friendliness and
encouragement in her tone. "Only," and she gave him another bright
smile, "I think of runni