"What I want," said Mrs. Cliff, "is to have the whole thing understood! I am perfectly willing to spend some of the pleasant months sailing about the coast and feeling that I'm giving health and pleasure to poor and deserving people, especially children, but I am not willing to consider myself a rich woman who keeps an expensive yacht just for the pleasure of cruising around when she feels like it! But I do like the plan of giving country weeks at sea."

"Very good, madam," he said, "and we can fix that thing so that nobody can possibly make any mistake about it. What do you say to calling your yacht the Summer Shelter? We'll paint the name in white letters on the bows and stern, and nobody can take us for idle sea-loafers with more money than we know what to do with!"

"I like that!" said Mrs. Cliff, her face brightening. "You may buy me a yacht as soon as you please, and we'll call her the Summer Shelter!"

In consequence of this order, Mr. Burke departed from Plainton the next day, and began a series of expeditions to the seaport towns on the Atlantic coast in search of a steam yacht for sale.

The winter grew colder, and the weather was very bad; there were heavy snows and drifts, and many hardships. There were cases of privations and suffering, and never did she hear of one of these cases that a thankful glow did not warm the heart of Mrs. Cliff as she thought that she was able to relieve it.

But Mrs. Cliff knew, and if she had not known she would have soon found out, that it was often very difficult to relieve distress of body without causing distress of mind, but she and Willy and the Misses Thorpedyke had known all phases of the evil which has its root in the want of money, and they always considered people's sensibilities when they held charitable councils. There was one case in which Mrs. Cliff felt that she must be very careful indeed.

Old Nancy Shott was not standing the winter well. She had a bad cold, and was confined to her bed, and one day Miss Inchman mentioned, during a call on Mrs. Cliff, that she did not believe the poor old thing was able to keep herself warm. She had been to see her, and the coverings on her bed were very insufficient she thought.

The Shotts never did keep a warm house, nor did they care to spend their money upon warm clothes; but although that sort of thing might do very well while they were in health and were constantly on the move, it did not do when they were sick in bed. When Miss Inchman had gone, Mrs. Cliff called Willy.

"Where are we using those California blankets which I brought home with me?" she asked.

"Using them!" exclaimed Willy. "We aren't using them anywhere! I'm sure nobody would think of using such blankets as those, except when some extra company might happen to come. It ought to be a long time before those blankets would have to go into the wash, and I've kept them covered up on the top shelf of the linen closet!"