"I really think you are the best girl in the world, and one of the cleverest," he said. "I have a feeling that you have an idea in your head, but I am sorry to say nothing very hopeful up to the present time has occurred to me. It does seem possible, after your explanation, that Frances may love me, and yet refuse me; yes, certainly, that does now seem possible."

"How foolish you are to speak in that doubting tone," half snapped Fluff (certainly, if the girls had seen her now they would have thought she was quarreling with her lover). "How can you say perhaps Frances loves you? Loves you! She is breaking her heart for you. Oh! I could cry when I think of Frances's pain!"

"Dear little friend!" said Arnold. "Then if that is so—God grant it, oh, God grant it—Frances and I must turn to you to help us."

Fluff's face brightened.

"I will tell you my plan," she said. "But first of all you must answer me a question."

"What is it? I will answer anything."

"Mr. Arnold—"

"You said you would call me Philip."

"Oh, well, Philip—I rather like the name of Philip—Philip, are you a rich man?"

"That depends on what you call riches, Fluff. I have brought fifteen thousand pounds with me from the other side of the world. I took five years earning it, for all those five years I lived as a very poor man, I was adding penny to penny, and pound to pound, to Frances's fortune."