"It's a cold day," groaned the old lady. "I—I feel very uncomfortable."

"Why don't you have a fire then?"

"It's gone out, and it's so late it isn't worth while to light it again."

"But it is worth while to be comfortable," insisted Mark.

"I—I can keep warm with this comforter around me, and—fuel is high, very high."

"But you can afford to buy more when this is burned."

"No, Mark. I have to be economical—very economical. I don't want to spend all my money, and go to the poor-house."

"I don't think there's much danger of that. You've got money in the savings bank, haven't you?"

"Yes—a little, but I can't earn anything. I'm too old to work, for I am seventy-seven, and I might live years longer, you know."

"Don't you get interest on your money?"