That part of Russian Hill conspicuous from the city is little more than a great cliff rising abruptly from the extreme north end of the graded ledge on the summit of Nob Hill, which, in its turn, almost overhangs the steep and populous ascent from the valley. In "early days" none but the goat could cling to those rough hills that all but stood on end, and the brush was so thick and the titles so uncertain that their future distinction was undreamed of. Then came a determined period of grading which embraced the heights in due course, titles were settled, and many that foresaw the ultimate possession of that great valley now known as "South of Market Street"—but which in its haughty youth embraced South Park and Rincon Hill—by the tenacious sons of Erin and Germania, moved to the uplands while lots could still be bought for a song. The Jack Belmonts, the Yorbas, the Polks, and others of the first aristocracy to follow the Spanish, made Nob Hill fashionable before a new class of millionaires sprang up in a night, and indulged its fresh young fancy with monstrous wooden structures holding a large portion of converted capital. Mrs. Yorba, who led society in the Eighties, when it was as exclusive as a small German principality, was disposed to snub all parvenus. But the young people made their way. When Mary Belmont returned from school, and, chaperoned by a widowed relative, gave at least a dance a month until she married, and many a one after, the heirs of all grades thought nothing of leaving their carriages at the foot of the cliff to climb the precarious stair; groping blindly more often than not through the rains of winter or the fogs of summer. To-day Isabel's neighbors wisely made no such demands upon the pampered, but in that incomparably older time the young people would have climbed to the stars for the sake of the lavish hospitality of the gay indulgent young hostess; and if some of the youths rolled down the hill when the lights went out, that was hardly a matter to excite indignant comment in a city where drink was so admittedly the curse that it was philosophically accepted with such other standing evils as fogs, trade-winds, small-pox, mud-holes, dust-storms, and unmentionable politics.

When Mary Belmont became the wife of James Otis, one of the greatest ranchers in California—in which State, unlike other fervent patriots of that era, he had been born—and a brilliant figure in one of the most notable legal groups of any time, she long held her position as a social favorite. But children came and died too quickly for her health and fragile beauty, and the storms of life beset her. She continued to live in her inconvenient eyrie, not only in the waning hope of ultimately separating her husband from the convivial beings on the lower plain, but because she felt an intense pride in owning a home two generations old in that young community. She was determined that it should remain in the family and be occupied by at least one of her children. So the ugly brown wooden structure with its bay-windows, its central tower, its Mansard-roof—added for the servants—had, contrary to all tradition, actually joined three generations of San Franciscans in one unbroken chain. It owed its proud position, no doubt, to the fact that when the Otis fortunes collapsed there was but one child left to inherit it and to be supported meanwhile.

Isabel intended in time to give the house a new façade, and had gloated over such of the Burnham plans as had been reproduced by the city press. These lovely plans were designed to make the city as classic and imposing as Nature had dreamed of when she piled up that rugged amphitheatre out of chaos; and Isabel had long since resolved that, if she could not be the first to plant a bit of ancient Athens upon a brown and ragged bluff, the high tide of her fortunes should coincide with the awakening of the city to the sense of its architectural guilt. She banished much of the tasteless furniture of the old time, and refitted with a stately comfort that expressed one side of her nature. She too clung to traditions—and to the long mirrors in their tarnished gilt frames, with the little shelf below; the multitude of family portraits engraved on wood, and surrounded by a wide white margin and tiny gilt frame. That they might strike no discordant note, she made use of a lesson learned in London, where she had spent a month with Lady Victoria, and had the walls and wood of the living-room painted white, covered the windows and furniture with a plain stuff of a dark but neutral blue. In the dining-room were a few paintings of her New England and Spanish ancestors, and she disturbed them only to replace the wall-paper with leather; at the same time sending the black walnut furniture to the auction-room.

Being the one practical member of her family, and the product of an earthquake country, she repaired the uncertain foundations of her house before removing the walls that had cut up the lower floor into the conventional number of rooms and hallways. The house, of no great depth, was so close to the hill-side, still rising above it, that more than one enterprising cook had made use of the natural ledges before the windows. Besides the kitchen department and pantries, there were now but three rooms on the lower floor: the dining-room, a small reception-room in the tower, and an immense living-room, broken by the white pillars that supported the storys above.

Mrs. Belmont and Mrs. Otis, in the time-honored American fashion, had made a day nest of their bedroom, but Isabel was far too modern for that lingering provincialism, and lived luxuriously in the big room down-stairs when she was not in the porch. She had reserved her mother's old alcoved bedroom with its mahogany four-poster for her own use, but the rest of the second-story rooms she had fitted for her English cousins, that they too might have headquarters in town.

Neither appeared to be in any haste to visit the city of their ancestors. Gwynne had left England in October, now nearly a year ago, but, having discovered from his solicitor that he could apply for letters of citizenship as late as the end of the third year after landing, had announced to Isabel his intention to travel slowly about the country "before settling down in its remotest part, which, from all accounts, was sufficiently unlike the rest to provincialize his point of view unless he saw something first of the East, South, and Middle West." He had written to her several times, but only on business. She had returned in January, after a round of visits in England, and had put his house in order at once. The lease had expired, and Mr. Colton had engaged a temporary superintendent, but Gwynne sent Isabel his power of attorney and she was temporarily in possession. She wrote to him from time to time that all was well, or to send him an account of her expenditures; but felt no promptings towards a friendly correspondence with one who showed as little disposition to encourage it.

From Victoria she had not heard directly since she bade her good-bye in Curzon Street, but Flora Thangue had written that her ladyship's superb health had (to her ill-concealed fury) given way, following an attack of influenza, and she would not be able to leave her doctor for an indefinite time. A few months later she wrote that "dear Vicky" was outwardly herself again, but in reality very nervous, the result, no doubt, of her illness, and of the prolonged stress of business. However, she had finally succeeded in letting the Abbey and Capheaton to advantage, and it was on the cards that she would reach California before the end of the year. Isabel hoped that, unfed by her son's exacting presence the maternal fires burned low; she had a clearly defined intention to be a factor in the new career of Elton Gwynne, and no desire for the capricious interference of his mother.


II

As Isabel stood in her little porch that brilliant September morning, she dismissed her occasional regret that she had not remained in England for a London season. Not only had she put the time to better use on her ranch, but no doubt her agent would have relet this house, and delayed the fulfilment of one of those dreams upon which she unconsciously fed her soul. The shrieking trade-winds and the dense white fogs were hibernating somewhere out in the Pacific. All the city, in the great irregular amphitheatre below, was sharply outlined in the yellow light; Isabel wondered if the sun renewed its stores from the golden veins to north and south. On the wide broken ledge just beneath her pinnacle was the concrete evidence of an architectural orgy to be seen nowhere else on earth: wooden mansions with the pure outlines of the Renaissance; a Gothic palace with bow-windows, also of wood; a big brown-stone house in the style of New York; piles of shingles and stones; here and there a touch of Romanesque, later French, and Italian; the majority of those plutocratic and perishable masses, of no style in particular, unless it were that of Mansard combined with the criminalities of him who invented the bow-window and the irrelevant tower. On the slopes were a few old houses in gardens, some with cottage roofs, others square, brown, dusty, melancholy. But the majority were of the "house in a row" type, radiating in all directions from the "boarding-house blocks" on the lower slopes. Then, down on the plain, came the big compact masses of stone and concrete, brick and steel, devoted to business and housing of the itinerant. The lofty domes of the City Hall and a newspaper building, a few church spires and the great white-stone hotel on a crest not far from Isabel's, were the sole pretenders to architectural beauty within her ken.