“True, Peggy,” answered her mother with a sigh. “Philadelphia hath become a place of ‘crucifying expenses,’ as Mr. James Lovell says. And how to be more frugal I know not.”

“And yet there was never so much dressing and entertaining going on,” remarked Peggy.

“Times are strangely altered indeed,” observed the lady with another sigh. “The city is no longer the town that William Penn desired, but hath gone wild with luxury and dissipation.”

“Many are leaving the city, mother. ’Tis not we alone who find it expensive.”

“I know, Peggy. ’Tis affecting every one. Would that a better example were set the citizens at headquarters. Mr. Arnold is a good soldier. He hath shown himself to be a man of rare courage, but I fear ’twas a mistake to put him in charge of our city. Would that he had less money, or else more prudence. I fear the effect on the country. But there! I have uttered more than was wise, but I trust to thy discretion.”

“The city is rife with rumors of his extravagance, mother,” Peggy made answer. “Thee is not alone in commenting upon it. Here was Robert yesterday looking exceedingly grave anent the reports. He says that there is much talk concerning the number and magnificence of the entertainments given at headquarters, and that many deem it but mere ostentation.”

“I feared there would be comment,” was Mrs. Owen’s reply. “’Tis pity that it should happen so when he hath such a fine record as a soldier. Such things cause discontent. There is so much use for the money among the suffering soldiers that I wonder he does not choose to spend it so. I like not to see waste. ’Tis sinful. Ah! here is Betty, who looks full of importance. Belike she hath news.”

“I am come to say good-bye, Peggy,” announced Betty Williams bustling in upon them. “Mother and family are going to Lancaster. Father hath advised us to leave the city owing to the high price of commodities, and while they go there, I, with a party of friends, am going to Dr. Simpson’s to take the smallpox. It hath been so prevalent that mother feared for me to delay longer in taking it.”

“Does thee not dread it, Betty?” questioned Peggy, regarding Betty’s fair skin with some anxiety.

“I like not the pittings,” confessed Betty candidly. “But Dr. Simpson advertises that he hath acquired special skill in the Orient in distributing the marks so as to minister to feminine looks instead of detracting from them, and he promises to limit them to but few. Can thee not come with me, Peggy? Thee has not had it, and we shall be a merry party.”