"No; they let me have two for ninety."

"Rupees or guineas?"

"Nan, you are really too bad! I call this cheap for fifty—look at the embroidery, all hand-made—real Mechlin lace—and then the cut!"

"It is not my idea of economy. I never give more than fifteen—and times are so bad."

"But if people only buy frumpish gowns that cost a few pounds—what is to become of the poor tradespeople?"

"Perhaps they may be better off—and have less bad debts," suggested Nancy.

Mrs. Villars coloured guiltily, but instantly recovering her aplomb, said: "I declare your black gown has quite a French effect—where did it come from?"

"My verandah."

"Dirzee made! Never! I simply refuse to believe you. Nan, this is one of your jokes?"

"A joke I cut out with my own hands. I'm full of ideas, and my man is an artist. I have good models, too—Fanny's best; and now and then I get a box out from home."