"She intends to return the money to your father, Ann; she has talked the matter over with Dr. Elizabeth, who has consented to keep her savings for her till she has the full amount. I was very glad to hear this of Lottie, for it shows that she is grateful to your father and feels her indebtedness to him. I shall certainly advise him to accept the money; it will take her some time to save it, though, poor girl!"

"Yes, indeed it will," agreed Violet.

"I can realise how she feels," said Ann; "I am sure she will be happier in her mind if she can make the money good. I know father hasn't given a second thought to the money itself and never expects it to be repaid. How surprised he will be when he gets it back! We must go and see the Medlands before Christmas, Violet."

"You shall take a Christmas pudding with you as a gift from me to Mrs. Medland," said Mrs. Reed.

"Let us wait till after to-morrow, then Ruthie will be able to go with us!" cried Violet; "I want her to see the old part of the town."

"We must show her all we can whilst she is with us," Ann replied; "it shall not be our fault if she does not have a thoroughly good time."

And it was a thoroughly good time Ruth enjoyed during those Christmas holidays, a time to be subsequently remembered with keenest gratitude and pleasure; for, as she remarked to her sister on the evening of her arrival at Barford, there was nothing in the background to worry her, and she had left those at home well, and in the best of spirits.

It was a new experience for Ruth to be made the first consideration, and she thoroughly appreciated the novelty of the situation. The weather, though cold, was remarkably fine for the season, and thus there were favourable opportunities for taking her to various places in the neighbourhood. She had some delightful drives with the doctor in his gig; and old Mrs. Garret, hearing that a sister of Violet's was visiting at the Reeds', wrote and gave the three girls an invitation to spend a long day with her grand-daughters, an invitation which was promptly accepted. Ruth had never before seen such a picturesque home as Mrs. Garret's fine old country house standing, as it did, in the midst of scenery which, in spite of the season being winter, impressed her with its beauty; and she was charmed with the sweet-faced, white-haired old lady, who welcomed her so cordially, and the two gentle-mannered girls, upon whom she looked with especial favour because she knew they had been kind and loyal to the sister she loved so well.

"I think I never enjoyed Christmas holidays so much before," remarked Ann in a tone of satisfaction, one evening early in January, when Dr. and Mrs. Reed had gone out to dine with friends, and she and the sisters were passing the time in chatting whilst they sat by the drawing-room fire; "as a rule they have rather dragged—when mother's been out of the way, you know, and I've had no one to talk to. It's so nice to have companions of one's own age. I hope you don't begrudge Violet to me now, Ruth; I had rather an idea in the summer, at Teymouth, that you did."

"I don't know that I ever actually begrudged her to you," Ruth answered, colouring as she spoke; "but I was rather afraid that you might wean her from us—not intentionally, though."