"Thank you very much," said John. "Mr. Carling is evidently a very discriminating person. Really it wasn't good of me at all. I was quite the gainer, for he entertained me more than I did him. We had a very pleasant evening, and I hope we shall have more of them, I do, indeed. I got an entirely different impression of him," he added.

"Yes," she said, "I can imagine that you did. He can be very agreeable, and he is really a man of a great deal of character when he is himself. He has been goodness itself to me, and has managed my affairs for years. Even to-day his judgment in business matters is wonderfully sound. If it had not been for him," she continued, "I don't know but I should have been a pauper. My father left a large estate, but he died very suddenly, and his affairs were very much spread out and involved and had to be carried along. Julius put himself into the breach, and not only saved our fortunes, but has considerably increased them. Of course, Alice is his wife, but I feel very grateful to him on my own account. I did not altogether appreciate it at the time, but now I shudder to think that I might have had either to 'fend for myself' or be dependent."

"I don't think that dependence would have suited your book," was John's comment as he took in the lines of her clear-cut face.

"No," she replied, "and I thank heaven that I have not had to endure it. I am not," she added, "so impressed with what money procures for people as what it saves them from."

"Yes," said John, "I think your distinction is just. To possess it is to be free from some of the most disagreeable apprehensions certainly, but I confess, whether to my credit or my shame I don't know, I have never thought much about it. I certainly am not rich positively, and I haven't the faintest notion whether I may or not be prospectively. I have always had as much as I really needed, and perhaps more, but I know absolutely nothing about the future." They were leaning over the rail on the port side.

"I should think," she said after a moment, looking at him thoughtfully, "that it was, if you will not think me presuming, a matter about which you might have some justifiable curiosity."

"Oh, not at all," he assured her, stepping to leeward and producing a cigar. "I have had some stirrings of late. And please don't think me an incorrigible idler. I spent nearly two years in a down-town office and earned—well, say half my salary. In fact, my business instincts were so strong that I left college after my second year for that purpose, but seeing no special chance of advancement in the race for wealth, and as my father seemed rather to welcome the idea, I broke off and went over to Germany. I haven't been quite idle, though I should be puzzled, I admit, to find a market for what I have to offer to the world. Would you be interested in a schedule of my accomplishments."

"Oh," she said, "I should be charmed, but as I am every moment expecting the advent of my family, and as I am relied upon to locate them and tuck them up, I'm afraid I shall not have time to hear it."

"No," he said, laughing, "it's quite too long."

She was silent for some moments, gazing down into the water, apparently debating something in her mind, and quite unconscious of John's scrutiny. Finally she turned to him with a little laugh. "You might begin on your list, and if I am called away you can finish it at another time."