“Lorna, it is the greatest thing I ever heard of!” exclaimed Gay. “And I think you are a wizard to discover the truth.”

“No, I'm not,” said Lorna. “Just think back, Gay. The strange thing is that we did not hit on it sooner. Think! Can't you remember a hundred things that should have made us suspicious?”

“Yes,” Gay admitted. “Especially the presents, and the way she borrows just before the presents come.”

“And never letting us see a single letter, and always moving away when we come near her when she is reading them to us, and never getting another photograph from Billy '—and a thousand things.”

“Yes,” said Gay again; and then, “Are you going to do anything about it?”

“Do? No, why should I? If she enjoys it I'm sure we do. Only—we must not lend her any more, if we can help it. There's no reason why we should lend her our hard-earned money to buy presents for herself with.”

Gay giggled.

“How much does she owe you now?” she asked.

“Almost two hundred.”

“And me over one hundred and fifty! Is n't it rich?”