I dare say that all these reflections and deliberations in the maidenly mind were almost unconscious to herself; certainly unacknowledged. It was her imagination that she was following, and scarcely a distinct reality or intention. She thought of Henderson, and he gave a certain personality, vivid maybe, to that dream of the future which we all in youth indulge; but she would have shrunk from owning this even to herself. We deceive ourselves as often as we deceive others. Margaret would have repudiated with some warmth any intimation that she had lost her heart, and was really predicting the practical possibilities of that loss, and she would have been quite honest with herself in thinking that she was still mistress of her own feeling. Later on she would know, and delight to confess, that her destiny was fixed at a certain hour, at a certain moment, in New York, for subsequent events would run back to that like links in a chain. And she would have been right and also wrong in that; for but for those subsequent events the first impression would have faded, and been taken little account of in her life. I am more and more convinced that men and women act more upon impulse and less upon deep reflection and self-examination than the analytic novelists would have us believe, duly weighing motives and balancing considerations; and that men and women know themselves much less thoroughly than they suppose they do. There is a great deal of exaggeration, I am convinced, about the inward struggles and self-conflicts. The reader may know that Margaret was hopelessly in love, because he knows everything; but that charming girl would have been shocked and wounded to the most indignant humiliation if she had fancied that her friends thought that. Nay, more, if Henderson had at this moment made by letter a proposal for her hand, her impulse would have been to repudiate the offer as unjustified by anything that had taken place, and she would no doubt have obeyed that impulse.

But something occurred, while she was in this mood, that did not shock her maidenly self-consciousness, nor throw her into antagonism, but which did bring her face to face with a possible reality. And this was simply the receipt of a letter from Henderson; not a love-letter—far enough from that—but one in which there was a certain tone and intention that the most inexperienced would recognize as possibly serious. Aside from the announcement in the letter, the very fact of writing it was significant, conveying an intimation that the reader might be interested in what concerned the writer. The letter was longer than it need have been, for one thing, as if the pen, once started on its errand, ran on con amore. The writer was coming to Brandon; business, to be sure, was the excuse; but why should it have been necessary to announce to her a business visit? There crept into the letter somehow a good deal about his daily life, linked, to be sure, with mention of places and people in which she had recently an interest. He had been in Washington, and there were slight sketches of well-known characters in Congress and in the Government; he had been in Chicago, and even as far as Denver, and there were little pictures of scenes that might amuse her. There was no special mystery about all this travel and hurrying from place to place, but it gave Margaret a sense of varied and large occupations that she did not understand. Through it all there was the personality that had been recently so much in her thoughts. He was coming. That was a very solid fact that she must meet. And she did not doubt that he was coming to see her, and soon. That was a definite and very different idea from the dim belief that he would come some time. He had signed himself hers “faithfully.”

It was a letter that could not be answered like the other one; for it raised questions and prospects, and the thousand doubts that make one hesitate in any definite step; and, besides, she pleased herself to think that she did not know her own mind. He had not asked if he might come; he had said he was coming, and really there was no answer to that. Therefore she put it out of her mind-another curious mental process we have in dealing with a matter that is all the time the substratum of our existence. And she was actually serious; if she was reflective, she was conscious of being judicially reflective.

But in this period of calm and reflection it was impossible that a woman of Margaret's habits and temperament should not attempt to settle in her mind what that life was yonder of which she had a little taste; what was the career that Henderson had marked out for himself; what were his principles; what were the methods and reasons of his evident success. Endeavoring in her clear mind to separate the person, about whose personality she was so fondly foolish, from his schemes, which she so dimly comprehended, and applying to his somewhat hazy occupations her simple moral test, were the schemes quite legitimate? Perhaps she did not go so far as this; but what she read in the newspapers of moneymaking in these days made her secretly uneasy, and she found herself wishing that he were definitely practicing some profession, or engaged in some one solid occupation.

In the little parliament at our house, where everything, first and last, was overhauled and brought to judgment, without, it must be confessed, any visible effect on anything, one evening a common “incident” of the day started the conversation. It was an admiring account in a newspaper of a brilliant operation by which three or four men had suddenly become millionaires.

“I don't see,” said my wife, “any mention in this account of the thousands who have been reduced to poverty by this operation.”

“No,” said Morgan; “that is not interesting.”

“But it would be very interesting to me,” Mrs. Fletcher remarked. “Is there any protection, Mr. Morgan, for people who have invested their little property?”

“Yes; the law.”

“But suppose your money is all invested, say in a railway, and something goes wrong, where are you to get the money to pay for the law that will give you restitution? Is there anything in the State, or public opinion, or anywhere, that will protect your interests against clever swindling?”