One morning, late in August, as Colonel Pratt was about to proceed to the city, his wife observed him wandering over the house and grounds with an air of thoughtfulness amounting even to dejection. Astonished at this in one usually so cheerful-hearted, she joined him, and anxiously inquired the cause.

"I have suffered for several days from this same depression of spirits," he answered, with a faint attempt to smile. "Perhaps some wise sightseer might declare it a presentiment of coming evil, but it is no doubt the mere effect of a slight indisposition, occasioned by the extreme heat and application to business."

"Stay at home with me to-day, Arthur!" said his wife, earnestly, reading beneath his attempts to treat the matter lightly a seriousness which he had striven to conceal.

"Nay, my wife," he answered, "it would but seem that I yielded to a superstitious dread. It will all be right to-morrow."

Seeing the boat drawing near, the fond husband bade his wife an affectionate farewell, and hurried to the wharf. She saw him safely on board, and watched the steamer till out of sight.

In life she never saw that husband more. The boat in which he returned was the ill-fated "Empire," which was sunk near Newburgh, and he was among those who perished. The corpse of Colonel Pratt was not discovered

until two days had elapsed, and immediate burial was necessary upon the arrival of the body at that dear home whence he had so lately departed. This blow was so severe to his wife, that for several weeks her reason deserted her, in an attack of long-continued illness. She recovered, only to learn, that extensive speculations, whose prospect of certain success had induced Colonel Pratt to invest very nearly the whole of his fortune, had proved an utter failure, and that she and her children were destitute.

Here was something which called forth all her energies, and for her children's sake she nerved herself to action. Their beautiful home, the scene of so much happiness, passed into strangers' hands. Horses and carriage, and even Mrs. Pratt's jewelry, all went in the general ruin. Naught was reserved save enough to purchase a diminutive cottage not many miles from the scene of her former prosperity, and thither she departed, taking with her Arthur and Gulian, who had never before tasted the bitter dregs of poverty or sorrow.

As usual, in such cases, the many friends who had so gladly shared her wealth, now apparently forgot her existence, and she was left to battle with the heavy change alone. It was impossible for them all to live together now, and the mother felt that if Arthur left her, Gillian, too, must go to learn the ways of that world, of the hollowness and falseness of which he as yet knew nothing.