"I'm going on a tour in the Southern States," I confided in reply, "and I thought it better to take specie." (I was very proud ten or twelve years ago of that word specie.)

"And I suppose those are your initials on the reticule? What a pretty monogram! Your mother gave you that for a birthday present."

"You must be a conjurer or a clairvoyant," I said, smiling. "So she did;" and I added that the initials represented my humble patronymic and baptismal designations.

"My name's Lucretia," said my neighbour artlessly, as a child might have said it, without a word as to surname or qualifying circumstances; and from that moment she became to me simply Lucretia. I think of her as Lucretia to the present day. As she spoke, she pointed to the word engraved in tiny letters on her pretty silver locket.

I suppose she thought my confidence required a little more confidence in return, for after a slight pause she repeated once more, "My name's Lucretia, and I live at Richmond."

"Richmond!" I cried. "Why, that's just where I'm going. Do you know the rector?"

"Mr. Pritchard? Oh yes, intimately. He's our greatest friend. Are you going to stop with him?"

"For a day or two at least, on my way to Montreal. Mrs. Pritchard is my mother's cousin."

"How delightful! Then we may consider ourselves acquaintances. But you don't mean to knock them up to-night? They'll all be in bed long before one o'clock."

"No, I haven't even written to tell them I was coming," I answered. "They gave me a general invitation, and said I might drop in whenever I pleased."