'So we will have a home. Why shouldn't we? Lots of families live on two hundred pounds a year, and that would be a pound a week each. Why, the Smiths are a family of five, and they have only about two hundred, and they have a garden and an arbour covered with ivy and creepers and things!' cried Eva.

'Oh where is that?' asked Vava eagerly, her eyes shining.

'My dear Eva!' protested Amy, looking apologetically at Stella, who was very grave and silent.

'Well, what is the matter?' demanded Eva.

'You do talk such nonsense. How can four people, who are strangers to each other, suddenly take a house and live together? Why, we do not even know each other's names!' said Amy, laughing.

'My name is Eva Barnes, and this is my greatest and best friend, Amy Overall,' said Eva promptly; and then, turning to Vava, she added, 'Let's talk it over by ourselves; old people are always cautious,' and she and Vava began to talk in low tones. Presently Eva took out a pencil and note-book, and began making elaborate calculations.

The two 'elders' smiled at them. They were not more than twenty-one and twenty-four respectively; but they let the younger ones whisper nonsense together, while they talked of books; and Stella found that Amy Overall had read the same sort of books that she had, which surprised her, for hers had been chosen for her by her literary father.

'My father was a professor at Cambridge, and that is why I have read these books,' explained Amy, delighted to find some one whose tastes were congenial; in fact, it is to be doubted which of the two was most pleased.

They were so interested in discussing a certain author that they took little notice of the other two. Every now and then a low laugh told them that the two younger girls were enjoying themselves as much as the 'old people,' as they called their elders.

'Now,' cried Eva, 'let us lay a statement of accounts before them!'