What a lot there were! Why, it was only ten days since she had promised to take out a memory insurance policy. Cousin Susan would be pleased at the number of payments she had made on it already. Her whole face twinkled as she read the list. A hero and a croix de guerre! H-m! And that four-leaf clover! Where had it come from? That list—why, that list represented securities that she couldn't lose and which no one could take from her. So long as she could remember anything she would remember Cousin Susan's kitchen curtains which never would be bought now. She could scarcely wait to make another payment, and she felt in each of her two hundred and eight bones that there would be other payments,—many of them.


[CHAPTER IV]

The very next day was Saturday so that Rebecca Mary was at home when the postman made his first round. He brought her a letter from her mother, and Rebecca Mary never suspected what a wonderful surprise was packed in the square envelope.

Mrs. Wyman's favorite aunt, a woman of some wealth and many years, had decided to give a few of her friends the legacies she had meant to leave them at her death so that she could hear how they were enjoyed. She had sent Mrs. Wyman a check for five thousand dollars and a check for a thousand dollars to each of the Wyman girls. Rebecca Mary's eyes fairly popped from her head when she saw her check and read the letter. She couldn't believe that it was her check.

"I want you to spend at least a part of it on yourself," wrote Mrs. Wyman. "You have been so splendid and unselfish in sharing everything with us that you have earned the right to be a little foolish with some of this money. You never expected to have it and so we never planned to use any of it for a new roof or a kitchen stove. Take a little trip in your vacation, dear, or buy some other pleasure. If you put it in the bank the interest would pay your insurance premium, but you have sacrificed so much to the future. Perhaps I have been wrong in making so much of it for after all you are young but once. I do want my girls to have some good times to remember. Write Aunt Ellen a little note, and tell her that you are going to buy a lot of pleasure which you will remember all of your life with her generous gift."

Rebecca Mary had to read that letter twice before she could quite understand it, and then she looked at her loan child.

"Joan," she exclaimed breathlessly, "let us give three rousing cheers for a four-leaf clover!"

And after they had given three of the rousingest sort of cheers they put on their hats and went down to the First National Bank, where Rebecca Mary deposited the most beautiful check that she ever hoped to see. And there they met Stanley Cabot, who was very much pleased to see Rebecca Mary again and who introduced her to his older brother, Richard Cabot, who was the youngest bank vice-president that Waloo had ever had. Rebecca Mary had never expected to know a vice-president of the First National Bank, and as soon as she saw him her eyes changed from saucer size to service plates, for she recognized him at once. He was the man who had been with old Mrs. Peter Simmons that afternoon at the Waloo, the man who had looked as if he could do things, the man who had made her cheeks burn and her heart thump. She had never thought that already he had done enough to make him a bank vice-president. He looked too young. Rebecca Mary had always thought of a banker, vice-president or president, as an old man with gray hair and plenty of figure. Richard Cabot hadn't a gray hair in his head and he was as slim and straight as an athlete. He seemed wonderful to Rebecca Mary, who gazed at him with a surprise and interest which amused and flattered him. He did not recognize her at all for she had changed her face. At the Waloo tea room she had worn a yellow brown scowl and at the bank she had on a pink smile. It was not strange that Richard did not recognize her until she had agreed that it was a gorgeous day and that Mrs. Simmons was a perfect old dear. Then it was Richard who opened his eyes wide.