"Why?"

Again the banker pondered. Nobody knew better than he how many of the wheat-growers were near ruin that year, and he had naturally an accurate notion of what would probably happen to Leland when, after harvest, the wheat of the West was thrown train-load by train-load upon a lifeless market.

"I think there are a good many reasons why it is sound advice I am offering you. For one thing, wheat is still going down, you see."

Carrie made a little gesture of comprehension, for financial difficulties had formed a by no means infrequent topic at Barrock-holme. "Yes," she said quietly, "I understand. You will get the money and put it to my name. But there is another thing. Will you please open that casket?"

The man did so, and appeared astonished when he saw its contents. "These things are very beautiful," he said.

"You could lend me part of their value?" asked Carrie, with a little flush in her face.

The man looked thoughtful. The smaller banking houses in the West are usually willing to handle any business they can get, but precious gems are not a commodity with which they are intimately acquainted.

"They would have to be valued, and I fancy that could only be done in Montreal," he said. "After getting an expert's opinion, we could, I think, advance you a reasonable proportion of what he considered them worth. Shall I have it done?"

"Of course," said Carrie, and went out ten minutes later with a sense of satisfaction. She found Eveline Annersly waiting, and smiled as she greeted her. "I have been arranging things, and perhaps I can help Charley, after all. I am afraid he will want it," she said. "Now, if you wouldn't mind very much, we can get the west-bound train this afternoon. I am anxious to get back to Prospect again."

Eveline Annersly would have much preferred to spend that night in a comfortable hotel, instead of in a sleeping-car, but she made no protest. After lunch, they spent an hour or two in the prairie city, waiting until the train came in. Ridged with mazy wires and towering telegraph-poles, and open to all winds, Winnipeg stands at the side of its big, slow river in the midst of a vast sweep of plain. Boasting of few natural attractions, there is the quick throb of life in its streets. As Carrie and her aunt made their way through bustling crowds, past clanging cars, they gradually observed an undertone of slackness in the superficial activity about them. The faces they met were sombre, and there were few who smiled. The lighthearted rush of a Western town was missing. Loungers hung about the newspaper offices, and bands of listless immigrants walked the streets aimlessly. Carrie had heard at Prospect that it was usually difficult in the Northwest to get men enough to do the work, and this air of leisure puzzled her.