“He's a wonder,” said the Captain. “I never saw such a fellow for money matters. He's handled my stocks and things a whole lot better'n I ever did. I used to cal'late if I got six per cent. interest I was doin' well. He ain't satisfied with anything short of eight, and he gets it, too. Whatever that boy wants and I own he can have. Sometimes I think this consarned palsy of mine is a judgment on me for bein' so sot against him in the beginnin'. Why, just look at how he runs this house, to say nothing of the rest of it! He's a skipper here; the rest of us ain't anything but fo'most hands.”

Which was not the exact truth. Morley was skipper of the Cahoon house, Ardelia first mate, her father a passenger, and the foremast hand was Hephzy. And yet, so far as “running” that house was concerned the foremast hand ran it, as she always had done. The Captain and Ardelia were Morley's willing slaves; Hephzy was, and continued to be, a free woman. She worked from morning until night, but she obeyed only such orders as she saw fit.

She alone did not take the new skipper at his face value.

“I don't know what there was about him that made me uneasy,” she has told me since. “Maybe there wasn't anything; perhaps that was just the reason. When a person is SO good and SO smart and SO polite—maybe the average sinful common mortal like me gets jealous; I don't know. But I do know that, to save my life, I couldn't swallow him whole the way Ardelia and Father did. I wanted to look him over first; and the more I looked him over, and the smoother and smoother he looked, the more sure I felt he'd give us all dyspepsy before he got through. Unreasonable, wasn't it?”

For Ardelia's sake she concealed her distrust and did her best to get on with the new head of the family. Only one thing she did, and that against Motley's and her father's protest. She withdrew her own little fortune, left her by her mother, from Captain Barnabas's care and deposited it in the Ostable savings bank and in equally secure places. Of course she told the Captain of her determination to do this before she did it and the telling was the cause of the only disagreement, almost a quarrel, which she and her father ever had. The Captain was very angry and demanded reasons. Hephzibah declared she didn't know that she had any reasons, but she was going to do it, nevertheless. And she did do it. For months thereafter relations between the two were strained; Barnabas scarcely spoke to his older daughter and Hephzy shed tears in the solitude of her bedroom. They were hard months for her.

At the end of them came the crash. Morley had developed a habit of running up to Boston on business trips connected with his father-in-law's investments. Of late these little trips had become more frequent. Also, so it seemed to Hephzy, he was losing something of his genial sweetness and suavity, and becoming more moody and less entertaining. Telegrams and letters came frequently and these he read and destroyed at once. He seldom played the violin now unless Captain Barnabas—who was fond of music of the simpler sort—requested him to do so and he seemed uneasy and, for him, surprisingly disinclined to talk.

Hephzy was not the only one who noticed the change in him. Ardelia noticed it also and, as she always did when troubled or perplexed, sought her sister's advice.

“I sha'n't ever forget that night when she came to me for the last time,” Hephzy has told me over and over again. “She came up to my room, poor thing, and set down on the side of my bed and told me how worried she was about her husband. Father had turned in and HE was out, gone to the post-office or somewheres. I had Ardelia all to myself, for a wonder, and we sat and talked just the same as we used to before she was married. I'm glad it happened so. I shall always have that to remember, anyhow.

“Of course, all her worry was about Strickland. She was afraid he was makin' himself sick. He worked so hard; didn't I think so? Well, so far as that was concerned, I had come to believe that almost any kind of work was liable to make HIM sick, but of course I didn't say that to her. That somethin' was troublin' him was plain, though I was far enough from guessin' what that somethin' was.

“We set and talked, about Strickland and about Father and about ourselves. Mainly Ardelia's talk was a praise service with her husband for the subject of worship; she was so happy with him and idolized him so that she couldn't spare time for much else. But she did speak a little about herself and, before she went away, she whispered somethin' in my ear which was a dead secret. Even Father didn't know it yet, she said. Of course I was as pleased as she was, almost—and a little frightened too, although I didn't say so to her. She was always a frail little thing, delicate as she was pretty; not a strapping, rugged, homely body like me. We wasn't a bit alike.