"You must put him up to it, Nelly—depend upon it, he's in danger of sinking down and giving up; and he has splendid business talents. He should go to operating in stocks, you see. Why, men make fortunes in that way. Look at the Bubbleums, and the Flashes, they were all down two years ago, and now they're up higher than ever, and they did it all in stocks. Your husband would find plenty of men ready to go in with him and advance money to begin on. No man is more trusted. Why, Nelly, that man might die a millionaire as well as not, and you ought to put him up to it; it's a wife's business to keep her husband up."

"I have tried to, Maria; I have been just as cheerful as I knew how to be, and I've retrenched and economized everywhere, as all the girls do—they are wonderful, those girls! To see them take hold so cheerfully and help about household matters, you never would dream that they had not been brought up to it; and they are so prudent about their clothes—so careful and saving. And then the boys are getting on so well. Tom has gone into surveying with a will, and is going out with Smithson's party to the Rocky Mountains, and Hal has just got a good situation in Boston——"

"Oh, yes, that is all very well; but, Nelly, that isn't what I mean. You know that when men fail in business they are apt to get blue and discouraged and give up enterprise, and so gradually sink down and lose their faculties. That's the way old Mr. Snodgrass did when he failed."

"But I don't think, Maria, that there is the least danger of my husband's losing his mind—or sinking down, as you call it. I never saw him more cheerful and seem to take more comfort of his life. Mr. Van Arsdel never did care for style—except as he thought it pleased me—and I believe he really likes the way we live now better than the way we did before; he says he has less care."

"And you are willing to sink down and be a nobody, and have no carriage, and rub round in omnibuses, and have to go to little mean private country board instead of going to Newport, when you might just as well get back the position that you had. Why, it's downright stupidity, Nelly!"

"As to mean country board," pleaded Mrs. Van Arsdel, "I don't know what you mean, Maria. We kept our old homestead up there in Vermont, and it's a very respectable place to spend our summer in."

"Yes, and what chances have the girls up there—where nobody sees them but oxen? The girls ought to be considered. For their sakes you ought to put your husband up to do something. It's cruel to them, brought up with the expectations they have had, to have to give all up just as they are coming out. If there is any time that a mother must feel the want of money it is when she has daughters just beginning to go into society; and it is cruel towards young girls not to give them the means of dressing and doing a little as others do; and dress does cost so abominably, now-a-days; it's perfectly frightful—people cannot live creditably on what they used to."

"Yes, certainly, it is frightful to think of the requirements of society in these matters," said Mrs. Van Arsdel. "Now, when you and I were girls, Maria, you know we managed to appear well on a very little. We embroidered our own capes and collars, and wore white a good deal, and cleaned our own gloves, and cut and fitted our own dresses; but, then dress was not what it is now. Why, making a dress now is like rigging a man-of-war—it's so complicated—there are so many parts, and so much trimming."

"Oh, it's perfectly fearful," said Aunt Maria; "but, then, what is one to do? If one goes into society with people who have so much of all these things, why one must, at least, make some little approach to decent appearance. We must keep within sight of them. All I ask," she added, meekly, "is to be decent. I never expect to run into the extremes those Elmores do—the waste and the extravagance that there must be in that family! And there's Mrs. Wat Sydney coming out with the whole new set of her Paris dresses. I should like to know, for curiosity's sake, just what that woman has spent on her dresses!"

"Yes," said Mrs. Van Arsdel, warming with the subject, "you know she had all her wardrobe from Worth, and Worth's dresses come to something. Why, Polly told me that the lace alone on some of those dresses would be a fortune."