The little Town and Country Club, occupying two charmingly-furnished, crowded floors of what had once been a small apartment house on Post Street, next door to the old library, was a small but remarkable institution, whose members were the wealthiest and most prominent women of the fashionable colonies of Burlingame and San Mateo, Ross Valley and San Rafael. Presumably only the simplest and least formal of associations, it was really the most important of all the city's social institutions, and no woman was many weeks in San Francisco society without realizing that the various country clubs, and the Junior Cotillions were as dust and ashes, and that her chances of achieving a card to the Browning dances were very slim if she could not somehow push her name at least as far as the waiting list of the Town and Country Club.

The members pretended, to a woman, to be entirely unconscious of their social altitude. They couldn't understand how such ideas ever got about, it was "delicious"; it was "too absurd!" Why, the club was just the quietest place in the world, a place where a woman could run in to brush her hair and wash her hands, and change her library book, and have a cup of tea. A few of them had formed it years ago, just half a dozen of them, at a luncheon; it was like a little family circle, one knew everybody there, and one felt at home there. But, as for being exclusive and conservative, that was all nonsense! And besides, what did other women see in it to make them want to come in! Let them form another club, exactly like it, wouldn't that be the wiser thing?

Other women, thus advised and reassured, smiled, instead of gnashing their teeth, and said gallantly that after all they themselves were too busy to join any club just now, merely happened to speak of the Town and Country. And after that they said hateful and lofty and insulting things about the club whenever they found listeners.

But the Town and Country Club flourished on unconcernedly, buzzing six days a week with well-dressed women, echoing to Christian names and intimate chatter, sheltering the smartest of pigskin suitcases and gold-headed umbrellas and rustling raincoats in its tiny closets, resisting the constant demand of the younger element for modern club conveniences and more room.

No; the old members clung to its very inconveniences, to the gas-lights over the dressing-tables, and the narrow halls, and the view of ugly roofs and buildings from its back windows. They liked to see the notices written in the secretary's angular hand and pinned on the library door with a white-headed pin. The catalogue numbers of books were written by hand, too--the ink blurred into the shiny linen bands. At tea-time a little maid quite openly cut and buttered bread in a corner of the dining-room; it was permissible to call gaily, "More bread here, Rosie! I'm afraid we're a very hungry crowd to-day!"

Susan enormously enjoyed the club; she had been there more than once with Miss Saunders, and found her way without trouble to-day to a big chair in a window arch, where she could enjoy the passing show without being herself conspicuous. A constant little stream of women came and went, handsome, awkward school-girls, in town for the dentist or to be fitted to shoes, or for the matinee; debutantes, in their exquisite linens and summer silks, all joyous chatter and laughter; and plainly-gowned, well-groomed, middle-aged women, escorting or chaperoning, and pausing here for greetings and the interchange of news.

Miss Saunders, magnificent, handsome, wonderfully gowned, was surrounded by friends the moment she came majestically upstairs. Susan thought her very attractive, with her ready flow of conversation, her familiar, big-sisterly attitude with the young girls, her positiveness when there was the slightest excuse for her advice or opinions being expressed. She had a rich, full voice, and a drawling speech. She had to decline ten pressing invitations in as many minutes.

"Ella, why can't you come home with me this afternoon?--I'm not speaking to you, Ella Saunders, you've not been near us since you got back!--Mama's so anxious to see you, Miss Ella!--Listen, Ella, you've got to go with us to Tahoe; Perry will have a fit if you don't!"

"Mama's not well, and the kid is just home," Miss Saunders told them all good-naturedly, in excuse. She carried Susan off to the lunch-room, announcing herself to be starving, and ordered a lavish luncheon. Ella Saunders really liked this pretty, jolly, little book-keeper from Hunter, Baxter & Hunter's. Susan amused her, and she liked still better the evidence that she amused Susan. Her indifferent, not to say irreverent, air toward the sacred traditions and institutions of her class made Susan want to laugh and gasp at once.

"But this is a business matter," said Miss Saunders, when they had reached the salad, "and here we are talking! Mama and Baby and I have talked this thing all over, Susan," she added casually, "and we want to know what you'd think of coming to live with us?"