"You see," explained Mrs. Ess Kay, "the Taylours and other people were frightfully anxious to get in. The rest of the building will be finished soon, and this is going to be one of the swellest apartment houses in New York."

"This an apartment house!" cried I, thinking of the dull streets in London, where almost every door has "Apartments" printed over it in gilt letters, or else hanging crooked and dejected on a card. "But, oh--perhaps you mean it's flats."

"For goodness sake, don't say 'flats' to Margaret Taylour," exclaimed Mrs. Ess Kay, marshalling me into the mammoth skeleton. "Over here, only common people live in flats; our sort have 'apartments.'"

"It's just the other way round with us," I explained. "Those who have flats would be furious if you said they lived in apartments."

"You English are so quaint in some ways," remarked Mrs. Ess Kay, and though I didn't answer, I was surprised. It's all well enough for us to think Americans odd, and we are accustomed to that, for everybody says they are; but that they should think our ways comic does seem extraordinary, almost improper.

By this time we were in the lift, which shut upon us with a vicious snap, and then tossed us up towards the roof of the world. I do hope one doesn't experience the same sensation in dying; though in that case it would be worse going down than up.

Before I had time to do more than gasp, we were at the top; and as we waited for an instant outside Mrs. Harvey Richmount Taylour's door, I should have liked to pinch my cheeks lest my fright had left me pale.

Vic has a friend who lives in a flat near the Park for the Season, and once I was taken there. I thought it quite beautiful, but though the friend's a Countess and very rich, the flat is poor compared with this topheavy nest of Mrs. Taylour's.

In a white drawing-room where the only spots of colour were the roses--masses of pink roses in gold bowls--a Madonna-like being was reclining in a green and white billow of a lace tea gown, on a white sofa. She held out both hands to Mrs. Ess Kay, and looked at me, apologising for not getting up.

When you come to examine her, the only thing really Madonna-like about Mrs. Harvey Richmount Taylour is her way of doing her hair. It's parted in the middle, and folds softly down in brown wings on either side of rather a high forehead, white enough to match her drawing-room. She has gently curved eyebrows, too; but under them her dark eyes are as bright and sharp as a fox-terrier's. She has pale skin, red lips, and thin features, with a stick-out chin, cut on the same pattern as Mrs. Ess Kay's though it isn't as square yet, because she is years younger--perhaps not more than twenty-eight.