“I hope it will never happen to my willow tree,” said Ruth; “but please tell me more things. They are very interesting.”

“Interesting? I should say so. Indeed, I could go on talking all day, and not tell you one half the things we can do. But life is too uncertain to waste it all in talking.”

“Life is certainly full of accidents,” buzzed a big horse fly. “I’m here to tell Mrs. Mosquito, if she is looking for the messenger she sent out a while ago, she’d better make up her mind never to see her again. She went too near a horrid warty toad, and you can guess the rest.”

“We can,” sighed Mrs. Mosquito. “If it isn’t frogs, it’s toads and——”

“Often it’s birds,” finished Mrs. Horse Fly, “and they are the worst of all.”

“Such subjects remind me that I am hungry,” said Mrs. Mosquito, “and I’m off to find a juicy somebody for dinner. I think I shall lay some eggs too.”

“I wonder if it was my toad who ate that mosquito,” thought Ruth, as she watched the audience fly away.

CHAPTER V
RUTH HEARS ABOUT SOME WATER BABIES