When Anne came at last face to face with Cousin Alice and Captain Vernon, Captain Vernon, who had suddenly become Cousin Phil, took out of his pocket a piece of money, and, holding it tight in his hand, said to Anne: “I owe you this.”

“Oh no,” said Anne, “you don’t. How could you?”

“How could I?” said Cousin Phil. “Why, I bought a row of pins from you this morning.”

“Oh no!” said Anne again. “I was very glad to have them for Cousin Alice to use.”

“You may say what you like, Anne,” said Cousin Phil, “but I consider that you sold them to me, and I intend to pay for them; and here you are, and you shall give me a receipt for it.” And so saying, he stooped down, and Anne kissed him, and he kissed Anne; and then Cousin Alice kissed Anne and Anne kissed Cousin Alice; and then other people pressed forward and Anne walked away. And when she looked at the piece of money in her hand it was a sovereign.

All’s well that ends well, says Shakespeare, but of course it was very unwise and very unnecessary of Anne to have leaned out of the window of that nice clean family compartment and invited into it a dirty old pedlar woman, even if she was very infirm and unhappy and there was no room anywhere else. We must, as Mr. Bayes remarked on the way home—his words not very clear by reason of his eating all the time one of the chocolate creams which Anne had bought with part of her sovereign for the family at the Hippodrome. “We must,” said Mr. Bayes—and the others all agreed with him—“we must, dear Anne, be a little careful how we exercise even so amiable a quality as kindness of heart. I am very glad to see you always so ready to be nice and helpful to others, but your brain has been given you to a large extent to control your impulses. Never forget that.”

Here Mr. Bayes took another chocolate, and very soon afterwards their station was reached.

But did Anne profit by her father’s excellent advice? We shall soon see, for now I come to the worst adventure into which her terrible good nature has ever led her.

You must know that the Bayeses were not rich, although they had rich relations and really never wanted for anything. But they lived on as little as possible, and on two or three mornings every week Mr. Bayes, after reading his letters, would remark that all his investments were going wrong and they would soon be in the workhouse. That was, of course, only his way; but they could not have many treats, or many visitors, and it caused them to look with very longing eyes on the young Calderons, the children of the gentleman that had taken the Hall, the great house near by, for August and September, who used to gallop by on their ponies, and play golf and cricket in their park, and who never seemed to want for anything.

To know the Calderon family was the Bayeses’ great desire, but their mother explained that it would not be right to call on strangers staying for so short a time, and nothing therefore could be done: which was particularly trying because, owing to the absence of something called dividends, the visit to Sea View, said Mr. Bayes, was this year an impossibility.