"I'm out of it now. But I refuse to be out of everything. Miss Phyllis Rivers—why, your very name's a prophecy!—I formally invite you to take a trip with me in my motor-boat. It may cost us half, if not more, of your part of the legacy; but I will merely borrow from you the wherewithal to pay our expenses. Somehow—afterwards—I'll pay it back, even if I have to reëstablish communication with heavenly shop-girls and villainous duchesses. Oh, Phil, we'll get some fun out of this, after all. Anyhow, we shall go on living—for a few weeks. What matter if, after that, the deluge?"

"You speak exactly as if you were planning to be an adventuress," said Phyllis, coldly.

"I should love to be one," said I. "I've always thought it must be more fun than anything—till the last chapter. We'll both embark—in the motor-boat—on a brief but bright career as adventuresses."

With that, before she could give me an answer, I opened the door and walked out in my dressing-gown, so suddenly that she almost pitched forward into the bath. Phyllis, heard from behind a cold, unsympathetic door, and Phyllis seen in all her virginal Burne-Jones attractiveness, might as well be two different girls. If you carried on a conversation with Miss Rivers on ethics and conventionalities and curates, and things of that kind from behind a door, without having first peeped round to see what she was like, you would do the real Phil an injustice.

There is nothing pink and soft and dimpled about Phyllis's views of life (or, at least, what she supposes her views to be); but about Phyllis in flesh and blood there is more of that than anything else; which is one reason why she has been a constant fountain of joy to my heart as well as my sense of humor, ever since her clever Herefordshire father married my pretty Kentucky mother.

Phil would like, if published, to be a Sunday-school book, and a volume of "Good Form for High Society" rolled into one; but she is really more like a treatise on flower-gardens, and a recipe for making Devonshire junket with clotted cream.

Not that she's a regular beauty, or that she goes in for any speciality by way of features or eyelashes, or hair, or a figure, or anything really sensational of that sort, as I do in one or two directions. But there's a rose and pearl and gold-brown adorableness about her; you like her all the better for some little puritanical quaintnesses; and if you are an Englishman or an American girl, you long to bully her.

She is taller than I am (as she ought to be, with Burne-Jones nose and eyes), but this morning, when I sprang at her out of the bath-room, like a young tigress escaped from its cage on its ruthless way to a motor-boat, she looked so piteous and yielding, that I felt I could carry her—and my point at the same time—half across the world.

She had made cream eggs for breakfast, poor darling (I could have sobbed on them), and actually coffee for me, because she knows I love it. I didn't worry her any more until an egg and a cup of tea were on duty to keep her strength up, and then I poured plans, which I made as I went on, upon her meekly protesting head.

The boat, it appeared, lay in Holland, which fact, as I pointed out to Phil, was another sign that Providence had set its heart upon our using her; for we've always wanted to see Holland. We often said, if we ever took a holiday from serials and the type-writer, we would go to Holland; but somehow the time for holidays and Holland never seemed to arrive. Now, here it was; and it would be the time of our lives.