CONTENTS.[CHAPTER FIRST. Frances meets the Spectacle Man][CHAPTER SECOND. A Certain Person][CHAPTER THIRD. Gladys][CHAPTER FOURTH. They look at a Flat][CHAPTER FIFTH. Some New Acquaintances][CHAPTER SIXTH. An Informal Affair][CHAPTER SEVENTH. A Portrait][CHAPTER EIGHTH. The Story of the Bridge][CHAPTER NINTH. Finding a Moral][CHAPTER TENTH. The Portrait Again][CHAPTER ELEVENTH. Mrs. Marvin is perplexed][CHAPTER TWELFTH. At Christmas Time][CHAPTER THIRTEENTH. One Sunday Afternoon][CHAPTER FOURTEENTH. Three of a Name][CHAPTER FIFTEENTH. A Confidence][CHAPTER SIXTEENTH. Hard Times][CHAPTER SEVENTEENTH. At the Loan Exhibit][CHAPTER EIGHTEENTH. The March Number of The Young People's Journal][CHAPTER NINETEENTH. Surprises][CHAPTER TWENTIETH. Caroline's Story][CHAPTER TWENTY-FIRST. Overheard by Peterkin][CHAPTER TWENTY-SECOND. The Little Girl in the Golden Doorway][CHAPTER TWENTY-THIRD. "The Ducks and the Geese they All swim over"]