"I am a Californian," said Isabel, defiantly.

"Yes, but of a very exclusive sort—to say nothing of the peculiar circumstances that were bound to breed seriousness of mind. And you have quite a distinguished collection of real ancestors, and intellect instead of mere cleverness. It is only once in a while that your—let me whisper it—Western frankness and ingenuousness leap out—the impulsiveness, the electric passion. When a certain amount of readjustment has gone on inside of you and your more natural elements work their way up and take possession, I really believe I shall fall in love with you, and marry you out of hand—if you remain as beautiful as you are to-night."

"All right," said Isabel, pretending to stifle a yawn. "That would be interesting. All the clocks are booming something. Let us go out and see if the sun is rising."

She wrapped herself in her cloak once more, and they climbed to the crest of the hill and watched the sun rise behind the Berkeley mountains and bathe San Francisco in trembling fire. It routed what was left of the fog, although for a time the walls and waters of the Golden Gate looked darker than before, and Tamalpais was a mountain of onyx. In a few moments the smoke that wrapped the San Francisco day in a brown perpetual haze began to ascend first from the little chimneys and then from the great stacks. But until then every steeple, every tower, the great piles of stone and brick in the valley, the old gardens full of eucalyptus-trees and weeping willows, the strange assortment of architectures on Nob Hill, even the rows of houses on the tapering half-circle of hills beyond the valley, miles away, stood out as bright and sharp and shadowless as if caught and imprisoned in a crystal ball. It was the drifting smoke that seemed to bind all together and make the city fit for humanity.

Gwynne pointed to a spot far to the southeast, in the valley between Market Street—the wide diagonal highway that cut the city in two, and ran from the ferries almost to the foot of Twin Peaks—and the high mound known as Rincon Hill. "There," he said, "are the hovels and shops that cover the block belonging to my mother and myself, and that is to make us rich. Half is practically sold, and the proceeds, and the money raised on the other half, will erect a building that is to cost some two hundred thousand dollars. The insurance rates will be enormous, but even so the income should be really a great one. If all goes well, the foundations—of reinforced concrete, although they still laugh at earthquakes—but Mr. Colton is a monster of caution—will be laid in about six weeks, and then I shall watch the steel framework rise with a very considerable interest."

"That means the beginnings of a millionaire. Do you really care so much to be rich?"

"I know the value of money," said Gwynne, dryly. "I have no intention of buying men after the fashion of your friend Tom Colton, but it is a mighty good background for personality. Now you had better go in and get some beauty sleep."


XXXV

Miss Montgomery called as Isabel and Gwynne were sitting down to luncheon at two o'clock. She was not in the best of tempers, for she had renewed her youth briefly the night before, her old admirers had shown her much gallant attention, and if she had gone home with a song in her heart and a flame in her eyes, she had been but the more conscious of the wooden spoon upon awakening. She had risen with no very keen regret for her vanished claims upon men long since married and consoled, for she had never been what is called a marrying girl, but with her mind inclined to gloomy meditation upon lost opportunities far more dear. She had never ceased to believe that, the fates conspiring, she might have become one of the great musicians of the world; for although she was willing to admit the defect of will that had reduced her to the ranks, she had not grasped the historic fact that the born artist accomplishes his fulfilment in spite of all obstacles, imagined or real. Her obstacles had been purely sentimental, for her family were commonplace selfish people not worth considering, and, her endowment being just short of distinguished, a misplaced sense of duty and the stultifying influences of her home were responsible for her profession as caterer at the age of thirty-six. Her people had belonged to the type that held in aristocratic disgust the "woman who did things," "showed herself to the public"; moreover, as Isabel had told Gwynne, they worshipped the flower-like artistic young creature, and would let neither the world nor man have aught of her. She was twenty-eight when her family died, and knowing that as a music-teacher she could not hope to compete with finished instructors, she had looked ever her other talents and found that the only one which promised immediate returns was a certain knack for sauces and sweets. All her friends rushed to her assistance, and while broiling over a hot stove, stirring jam, wished that dear Anne were not so proud and would accept a check without any fuss. But Miss Montgomery quickly graduated from this amateur stage. She set herself deliberately to work to become a chef, and, from offerings to the Womans' Exchange, she was soon supplying choice dishes for luncheons, and finally entire dinners. She had a warm friend in the then Leader of San Francisco Society, and her own cleverness and indomitable perseverance did the rest. She sometimes reflected that if she had found the iron in her nature sooner she might have been fiddling in Vienna; but perhaps her highest gift had really been culinary, perhaps she needed the enthusiastic encouragement which she found on all sides when she embraced that appealing art; at all events she succeeded, was educating a promising orphan relative, and laying by for her old age. Another friend, no doubt, was the massive family silver which had escaped the wreck. Many of the new people, Mrs. Hofer among others, did not care for the responsibility of a luxury so tempting to thieves, and for which they had no innate predilection; they were more than willing to pay a reasonable sum for ancestral decorations upon state occasions, and to dine from artistic plated ware meanwhiles. Not but that there was a sufficiency of solid bullion to be seen on many a San Francisco table, and there were several golden services in the city; but rich people have all sorts of economical kinks, and Miss Montgomery found this one profitable. Another thing, no doubt, that had contributed to her success, was the business-like attitude she had assumed as soon as she felt herself a professional. She accompanied her refections to the kitchen door, although the front was always open to her, and philosophically pocketed the customary tip.