Later she changed this to "Carrie Thrift Payson." Change came easily to Carrie. Adaptability was one of her gifts. In 1893 (World's Fair year) she was one of the first to wear the new Eton jacket and separate skirt of blue serge (it became almost a uniform with women); and the shirtwaist, a garment that marked an innovation in women's clothes. She worked like a man, ruled the roost, was as ruthless as a man. She was neither a good housekeeper nor marketer, but something perverse in her made her insist on keeping a hand on the reins of household as well as business. It was, perhaps, due to a colossal egotism and a petty love of power. Charlotte could have marketed expertly and thriftily but Carrie liked to do it on her way downtown in the morning, stopping at grocer's and butcher's on Thirty-first Street and prefacing her order always with, "I'm in a hurry." The meat, vegetables, and fruit she selected were never strictly first-grade. A bargain delighted her. If an orange was a little soft in one spot she reckoned that the spot could be cut away. Such was her system of false economy.

With the World's Fair came a boom in real estate and Carrie Payson rode on the crest of it. There still were heart-breaking debts to pay and she paid them honestly. She was too much a Thrift to do otherwise. She never became rich, but she did manage a decent livelihood. Fortunately for all of them, old Isaac Thrift had bought some low swampy land far out in what was considered the wilderness, near the lake, even beyond the section known as Cottage Grove. With the Fair this land became suddenly valuable.

There's no denying that Carrie lacked a certain feminine quality. If one of the children chanced to fall ill, their mother, bustling home from the office, had no knack of smoothing a pillow or cooling a hot little body or easing a pain. "Please, mother, would you mind not doing that? It makes my headache worse." Her fingers were heavy, clumsy, almost rough, like a man's. Her maternal guidance of her two daughters took the form of absent-minded and rather nagging admonitions:

"Belle, you're reading against the light."

"Lottie, did you change your dress when you came home from school?"

"Don't bite that thread with your teeth!" Or, as it became later, merely, "Your teeth!"

Slowly, but inevitably, the Paysons dropped out of the circle made up of Chicago's rich old families—old, that is, in a city that reckoned a twenty-year building a landmark. The dollar sign was beginning to be the open sesame and this symbol had long been violently erased from the Thrift-Payson escutcheon. To the ladies in landaus with the little screw-jointed sun parasols held stiffly before them, Carrie Payson and Charlotte Thrift still were "Carrie" and "Charlotte dear." They—and later Belle and Lottie—were asked to the big, inclusive crushes pretty regularly once a year. But the small smart dinners that were just coming in; the intimate social gayeties; the clubby affairs, knew them not. "One of the Thrift girls" might mean anyone in the Prairie Avenue household, but it was never anything but a term of respect and meant much to anyone who was native to Chicago. Other Prairie Avenue mansions sent their daughters to local private schools, or to the Eastern finishing schools. Belle and Lottie attended the public grammar school and later Armour Institute for the high school course only. Middle-aged folk said to Lottie, "My, how much like your Aunt Charlotte you do look, child!" They never exclaimed in Belle's presence at the likeness they found in her face. Belle's family resemblance could be plainly traced to one of whom friends did not speak in public. Belle was six years her sister's senior, but Lottie, with her serious brow and her clear, steady eyes, looked almost Belle's age. Though Belle was known as the flighty one there was more real fun in Lottie. In Lottie's bedroom there still hangs a picture of the two of them, framed in passepartout. It was taken—arm in arm—when Lottie was finishing high school and Belle was about to marry Henry Kemp; high pompadours over enormous "rats," the whole edifice surmounted by a life-size chou of ribbon; shirtwaists with broad Gibson tucks that gave them shoulders of a coal-heaver; plaid circular skirts fitting snugly about the hips and flaring out in great bell-shaped width at the hem; and trailing.

"What in the world do you keep that comic valentine hanging up for!" Belle always exclaimed when she chanced into Lottie's room in later years.

Often and often, during these years, you might have heard Carrie Payson say, with bitterness, "I don't want my girls to have the life I've had. I'll see to it that they don't."

"How are you going to do it?" Charlotte would ask, with a curious smile.