Every moment she thought of the insurance company, but she did not dare to encounter the quizzical looks of the gentlemen who might receive her, for she was very, timid before people, and grew red at a mere nothing, feeling embarrassed when she had to speak to strangers.

But regret at the loss of the eighteen francs pained her as if she had been wounded. She tried not to think of it any more, and yet every moment the recollection of the loss struck her painfully. What was she to do, however? Time went on, and she could not decide; but suddenly, like all cowards, she made up her mind.

"I will go, and we will see what will happen."

But first of all she was obliged to prepare the umbrella so that the disaster might be complete, and the reason of it quite evident. She took a match from the mantelpiece, and between the ribs she burned a hole as big as the palm of her hand. Then she rolled it up carefully, fastened it with the elastic band, put on her bonnet and shawl, and went quickly toward the Rue de Rivoli, where the insurance office was.

But the nearer she got the slower she walked. What was she going to say, and what reply would she get?

She looked at the numbers of the houses; there were still twenty-eight. That was all right, she had time to consider, and she walked slower and slower. Suddenly she saw a door on which was a large brass plate with "La Maternelle Fire Insurance Office" engraved on it. Already! She waited for a moment, for she felt nervous and almost ashamed; then she went past, came back, went past again, and came back again.

At last she said to herself:

"I must go in, however, so I may as well do it now as later."

She could not help noticing, however, how her heart beat as she entered. She went into an enormous room with grated wicket openings all round, and a man behind each of them, and as a gentleman, carrying a number of papers, passed her, she stopped him and said, timidly:

"I beg your pardon, Monsieur, but can you tell me where I must apply for payment for anything that has been accidentally burned?"