"Because, sir, people don't appreciate what is given to them, as much as they do what they earn."

Bobby pondered over this.

"I like my Christmas presents better than the money I get for chopping kindling," he replied at length; "because the Christmas money is more, for one thing."

"And more certain," put in his mother, laughing; "the kindling money isn't always earned."

"Are you talking about the Home money?" asked Ethelwyn, looking over the back of the chair in front of them.

"Yes."

"But we like to give it, and so will you, when you see how nice it is, and Dick and Aunty Stevens and the best cookies that she can make. What's the good of keeping money? We can always buy more down at your bank," she concluded easily.

"You may not always think so, young lady, nor take such wide views of things. When you grow up, you may wish you had more money," said the banker, laughing.

"Does keeping money make folks happy?" inquired Beth, suddenly popping up.

The lines in grandfather's face deepened, and there came over it a look of care.