"Never been at Cheltenham before?... really!... Well, ma'am, I have little doubt that you will soon declare it shall not be your last visit, though it is your first," said Miss Morrison.

"Indeed, ma'am, I think you will prove right in that opinion," replied Mrs. Barnaby, "for I never saw a place I admired so much. We are just come from Clifton, which is called so beautiful, ... but it is not to be compared to Cheltenham."

"You are just come from Clifton, are you, ma'am?... I understand it is a very beautiful place, but terribly dull, I believe, when compared to this.... If a person knows Cheltenham well, and has a little notion how to take advantage of all that is going on, he may pass months and months here without ever knowing what it is to have an idle hour.... I don't believe there is such another place in the whole world for employing time."

"I am sure that's a blessing," replied Mrs. Barnaby earnestly. "If there is one thing I dread and hate more than another, it is having nothing to do with my time. Idleness is indeed the root of all evil."

"I'm pleased to hear you say so, ma'am," said Miss Morrison, "because it is so exactly my own opinion, and because, too, you will find yourself so particularly well off here as to the avoiding it; and I shall be very happy, I'm sure, if any advice of mine may put you in the way of making the most of the advantages in that line that Cheltenham offers."

"You are exceedingly kind and obliging, ma'am," returned Mrs. Barnaby very graciously; "and I shall be very grateful for any counsel or instruction you can bestow. With my handsome fortune I should consider it quite a crime if I did not put my time to profit in such a place as Cheltenham."

This phrase produced its proper effect; Miss Morrison eyed the speaker not only with increased respect, but increased good-will.

"Indeed, my dear madam, you are quite right," she said; "and by merely paying attention to such information as I shall be able to give you, I will venture to say that you will never have the weight of an idle hour upon your hands while you remain here; for what with the balls, and the music at the libraries, and the regular hours for the walks, and attendance at all the sales, (and I assure you we have sometimes three in a day,) and shopping, and driving between the turnpikes, if you have a carriage, and morning visits, and evening parties, and churches and chapels, if you have a taste for them, and looking over the new names, and the pump-room, and making new acquaintance, and finding out old ones, there is not a day of the week, or an hour in the day, in which one may not be well employed."

"I am sure, ma'am, it is perfectly a pleasure to a person of my active turn of mind to listen to such a description; and it is a greater pleasure still to meet with a lady like yourself, with taste and good sense to value what is valuable, and to find out how and where to enjoy it.... I hope we shall become better acquainted; I have a private drawing-room here where I shall be delighted to see you.... Give me leave to present you with my card."

A gilt-edged and deeply-embossed card, inscribed—