"Are you poor?" asked Miss Otis, her eye arrested by the smart little afternoon frock of lace and chiffon and crêpe-de-chine.

"Oh, horribly. But then we all are, over here. If it were not for the Jews and the Americans we'd have to make our own clothes. The dressmakers never could afford to give us credit."

"They all looked very wealthy down-stairs."

"Smart, rather. This happens to be a set that knows how to dress. Many don't. You know something of it yourself," she added, with a frank survey of the girl's well-cut travelling-frock and small hat. "Lots of Americans don't, if you don't mind my saying so—for all their reputation. I went to a dinner at an American Legation once and two of your countrywomen came with their hats on. They had brought letters to the Minister, and he hadn't taken the precaution of looking them over. He was terribly mortified, poor thing."

She related the anecdote with philanthropic intention, but Miss Otis put her half-rejected doubts to flight by remarking, lightly:

"We don't do that even in Rosewater."

"Where is Rosewater? What a jolly name!"

"It is in northern California, not far from Lady Victoria's ranch and what is left of ours. I have spent most of my life in or near it—my father was a lawyer."

"Do tell me about yourself!" Like most amiable spinsters, she was as interested in the suggestive stranger as in a new novel. She sank with a sigh of comfort into the depths of the chair. "May I smoke? Are you shocked?"

Then she colored apprehensively, fearing that her doubt might be construed as an insult to Rosewater.