Before going further, it may be as well to describe briefly the young lady who had so enthralled the book-keeper.

She had the advantage of youth, a complexion clear red and white, and decidedly pretty features. If there was a defect, it was the expression of her eyes. There was nothing soft or winning in her glance. She seemed, and was, of a cold, calculating, unsympathetic nature. She was intensely selfish, and was resolved only to marry a man who could gratify her taste for finery and luxurious living.

She was the niece of Mrs. Sinclair, who kept the boarding-house, and though living in dependence upon her aunt, did nothing to relieve her from the care and drudgery incidental to her business.

"It's too provoking," she said, pouting.

"So it is, Virginia;" and Talbot tried to take her hand, but she quietly withdrew it.

"You told me that you would have plenty of money by this time, Mr. Talbot."

"I expected it, but a man can't foresee the fluctuations of Wall street. I am afraid I shall meet with a loss."

"I don't believe you are as smart as Sam Eustis—he's engaged to my cousin. He made ten thousand dollars last month on Lake Shore."

"It's the fools that blunder into luck," said Talbot, irritated.

"Then you'd better turn fool; it seems to pay," said Virginia, rather sharply.