"Come here," he answered. "Let me tell you what we must do."

He went to the sofa; they followed. Beth took the place he indicated at his side; Judith sat in a chair. The Colonel, still smiling, looked on them paternally, and began to depict in words his ready imaginings.

"When the house is sold and the debt is paid," he said, "we shall have left—let me see, perhaps twenty thousand dollars. I don't need to explain," he interrupted himself to say, "that had not other resources previously failed me—mismanagements and losses, dears, not from my fault—I should never have turned to Mr. Ellis for assistance. No, no; of course you understand that. Therefore, the house is our only source of capital. Well, twenty thousand left: that would mean perhaps a thousand dollars a year to house and feed and clothe us. Yes, perhaps a thousand." The Colonel clung to the perhaps; it was covering a lie, several lies. "You see, we shall really be in difficulties."

"Yes," murmured Beth.

The Colonel warmed to his task. "Now, you are both young; on the other hand I am not old, and I am a soldier. The habit of courage, girls, I learned in my youth. So we are well equipped. But, only a thousand dollars! That will pay rent; perhaps it will pay for food. And our clothes, our little knick-knacks, we must earn for ourselves."

"Shall we take an apartment?" asked Beth, for Judith remained silent, watching her father intently. "One of the new ones they have been putting up?"

"Ah, no," he said kindly. "They cost five hundred a year, my child. This must be something of an emigration, Beth: this quarter of the town is no longer for us. But there are very respectable, quiet neighbourhoods where we can go; and even houses, not apartments, that we can rent. Does that dismay you?"

Beth pressed his hand. "No, father, no!"

He avoided Judith's steady look, and smoothed Beth's hair. "Servants—I don't think we can afford them. One of you two must do the housework. Which shall it be?"

"I!" Beth answered promptly.