"A new coat! How did he buy it?"

"I lent him a little money for the purpose; he didn't go into debt, so you need not think it."

"I wonder you were able to spare the money."

"Oh, yes; some of my dividends fell due, and were paid on Monday. I lent George three pounds; I think he has got a wonderful coat for the money. He will pay me back as soon as he gets his own salary. Ah! and there he is, dear fellow, and that nice-looking young man, Mr. Lawson. Effie, now do ring the bell; Mrs. Robinson ought to have tea on the table."

With a great effort Effie kept from making remarks which she knew would only irritate her mother.

She said to herself, "There's no help for things to-day. The person to talk to is George; he ought not to allow mother to rush through her money in this way. I wonder if I am doing wrong in giving up my home-life to the hospital; but no, I don't think I am. Mother would have insisted on managing the money in any case."

Mrs. Robinson appeared with the tea-tray. There was a little jug of cream and a shilling Madeira cake; there was also a great plate of thick bread and butter for the children. The tea-tray was placed on the table, and George and Lawson took their tea standing. Effie helped them. Lawson looked at her once or twice, and thought what a wonderfully nice face she had, how true her eyes were, how good she seemed altogether.

"She's altogether of different metal from her brother," thought the young man. "I wish with all my heart he were like her; but although there is something lovable about him, and we are chums, of course, yet I never feel quite sure of myself when in his company."

The meal which followed was quite merry. Phil and Marjory had gone up to the top of their class in Sunday school; Agnes was promoted to teach a class of very little children; Katie was going in for the Junior Cambridge Examination, and eagerly consulted Effie about some books which she was obliged to procure. Effie promised to give her the money out of her first month's salary.

"But that will be some time off," she said, "for I am only going through my month's trial now, so you must be patient, Katie."