"Couldn't you come out on the electric car every morning?" Peggy was asking. "If you could do that for about two weeks I am sure you would be able to ride BEAUTIFULLY at the end of them."

"Not in the morning, I'm afraid. You see I am an Annapolis co-ed," Polly answered laughing gaily at Peggy's mystified expression. "Yes I am, truly. You see I came down here to spend the winter with Aunt Janet because she is lonely when Uncle Glenn is away. But, of course, I can't just sit around and do nothing, or frolic all the time. Had I remained at home I should have been in my last year at high school, but Tanta doesn't want me to go to the one down here. Oh we've had the funniest discussions. First she thought she'd engage a governess for me, and we had almost settled on that when the funniest little thing changed it all. Isn't it queer how just a little thing will sometimes turn your plans all around?"

"What changed yours?" asked Peggy, more deeply interested in this new acquaintance and the new world she was introducing her into than she had ever been in anything in her life. "You'll laugh at me, I dare say, if I tell you, but I don't mind. Up at my own home in Montgentian, N. J., I had a boy chum. We have known each other since we were little tots and always played together. He is two years older than I am, but I was only a year behind him when he graduated from the high last spring. My goodness, how I worked to catch up, for I was ashamed to let him be so far ahead of me. I couldn't quite catch up, though, and he graduated a year ahead of me in spite of all I could do. Then he took a competitive examination for Annapolis and passed finely, entering the Academy last June. I was just tickled to death for we are just like brother and sister, we have been together so much. Then Tanta sent for me and I came back with her on September 30. One day we were over in the yard and the boys—men, I dare say I ought to call them, for some of them are tall as bean poles, only they have all been Aunt Janet's 'boys' ever since they entered the Academy—were teasing me, and telling me I couldn't work with Ralph any longer. I got mad then and said I guessed I COULD work with him if I saw fit, and I meant to, too. Oh, they laughed and jeered at me until I could have slapped every single one of them, but I then and there made up my mind to follow THIS year's academic course if I died in the attempt, and when we went home I talked it all over with Aunt Janet. She's such a dear, and always ready to listen to anything we young people have to tell her. So I really am a co-ed. Yes, I am; I knew you'd smile. I have an instructor, a retired captain, a friend of Aunt Janet's, who lives at Wilmot, and Aunt Janet has rented an extra room next mine for a schoolroom, and every morning at nine o'clock Captain Pennell and I settle down to real hard work. I have 'math' and mechanical drawing just exactly as Ralph has, and the same French, Spanish and English course, but what I love best of all is learning all about a boat and how to sail her, how to swim, and the gym work. And Captain Pennell is teaching me how to fence and to shoot with a rifle and a revolver. Oh, it is just heaps and heaps of fun. I didn't dream a girl could learn all those things, but Captain Pennell is such a dear and so interesting. He seems to have something new for each day. But HOW Aunt Janet's boys do run me and ask me when I'm coming out for cutter drill, or field artillery or any old thing they know I CAN'T do. But never mind. I know just exactly what all their old orders mean, and I am learning all about our splendid big ships and the guns and everything just as fast as ever I can. But, my goodness, I shall talk you to death. Mother says I never know when to stop once I get started. I beg your pardon," and Polly looked quite abashed as they drew near the piazza.

"Why I think it is all perfectly fascinating. How I'd love to do some of those things. I can shoot and swim and sail my boat, but I've never been in a gymnasium or done any of those interesting things. I wish Compadre could hear all about it. They wanted to send me away to a big finishing school this winter but I begged so hard for one more year's freedom that Daddy Neil consented, but I think he would love to have me know about the things you are learning."

"Oh, Tanta, couldn't we make some sort of a bargain? Couldn't Peggy come to us three days of the week and work with Captain Pennell and me, and then I come out three to learn to ride?"

Peggy's eyes shone as she listened. She had not realized how hungry she had been for young companionship until this sunny-souled young girl had dropped into her little world.

Mrs. Harold smiled sympathetically upon the enthusiastic pair.

"Perhaps we can make a mutually beneficial bargain," she said. "I think I shall accept Silver Star upon your recommendation, Miss Peggy, and what I have already seen. Then if you are willing to undertake it, Polly shall be taught to ride by you, and you in turn must come to us at Wilmot to join Captain Pennell's class of fencing, gym work or whatever else seems wise or you wish to. But who must decide the question, dear?"

How unconsciously she had dropped into the term of endearment with this young girl. It was so much a part of her nature to do so. Peggy's cheeks became rose-tinted with pleasure, and her eyes alight with happiness. Her smile was radiant as she slipped to Mrs. Harold's side saying: "Oh, if Compadre were only here to decide it right away. He is my guardian you know, and, of course, I must do as he wishes, but I hope—oh I HOPE, he will let me do this."

"And what is it you so wish to do, Filiola?" asked a gentle voice within the room.