Miss Flossy continued to entertain and to express opinions of her own, and as a result became socially interesting. At eighteen, by her beauty, her engaging frankness and lack of self-consciousness, she spread havoc among the young men of her native city, several of whom offered her marriage. But marriage was far from her thoughts. Life seemed too interesting and she wished to see the world. She was erect and alert looking, with a compact figure of medium height, large brown eyes and rich red hair, and a laughing mouth; also an innocent demeanor, which served to give her, by moonlight, the effect of an angel. She succeeded in visiting Bar Harbor, where she promptly became a bright particular star among the galaxy of young women who at that period were establishing the reputation of the summer girl. She continued to be a summer girl for four seasons without injury to her own peace of mind. At the end of the fourth summer she appeared on close scrutiny to be a little worn, and her innocent air seemed a trifle deliberate. She returned to her home in New Jersey in not quite her usual spirits. In fact she became pensive. She had seen the world, and lo! she found it stuffed with sawdust. She was ready to settle down, but the only man with whom she would have been willing to settle had never asked her. He was the brother of one of the girls who had been forbidden by her mother to stay out in canoes with young men after nine at night. The rumor had reached Flossy that this same mother had referred to her in "the fish pond" at Rodick's as "that dreadful girl." It would have pleased her after that to have wrung an offer of marriage from the son and heir, who knew her cousins, the Morton Prices, and to whom she would have been willing to engage herself temporarily at all events. He was very devoted; they stayed out in his canoe until past midnight; he wrote verses to her and told her his innermost thoughts; but he stopped there. He went away without committing himself, and she was left to chew the cud of reflection. It was bitter, not because she was in love with him, for she was not. In her heart she knew he bored her a little. But she was piqued. Evidently he had been afraid to marry "that dreadful girl." She was piqued and she was sad. She recognized that it was another case of not being fit. When would she be fit? What was she to do in order to become fit—fit like the girl who was not allowed to stay on the water after nine o'clock? She had ceased to think of the young man, but the image of his sister haunted her. How stylish she was, yet how simple and quiet! "I wonder," thought Flossy to herself, "if I could ever become like her." The reflection threw her into a brown study in which she remained for weeks, and during which she refused the hand of a staid and respectable townsman, who, in her father's words, was ready to take her with all her follies. David Price was disappointed. He loved this independent daughter, and he had hopes that her demure and reticent deportment signified that the effervescence of youth had evaporated. But it was only an effort on Flossy's part to imitate the young man's sister.

At this juncture and just when she was bored and dispirited by the process, Gregory Williams appeared on the scene. Flossy met him at a dancing party. He had a very tall collar, a very friendly, confident, and (toward her) devoted manner, and good looks. It was whispered among the girls that he was a banker from New York. He was obviously not over thirty, which was young for a banker, but so he presently described himself to Flossy with hints of impending prosperity. He spoke glibly and picturesquely. He had a convincing eloquence of gesture—a wave of the hand which suggested energy and compelled confidence. He had picked her out at once to be introduced to, and sympathy between them was speedily established. Her wearing, as a red-headed girl, a white horse in the form of a pin, in order to prevent the attention of the men to whom she talked from wandering, delighted him. He said to himself that here was a girl after his own heart. He had admired her looks at the outset, but he gazed at her now more critically. He danced every dance with her, and they sat together at supper, apart from everybody else. Flossy's resolutions were swept away. That is, she had become in an instant indifferent to the fact that the New York girl she had yearned to imitate would not have made herself so conspicuous. Her excuse was that she could not help herself. It was a case of genuine, violent attraction, which she made no effort to straggle against.

The attraction was violent on both sides. Gregory Williams was not seeking to be married. He had been, until within six months, a broker's clerk, and had become a banker on the strength of ten thousand dollars bequeathed to him by a grandmother. He and a clerk from another broker's office, J. Willett VanHorne, had recently formed a partnership as Williams & VanHorne, Bankers and Dealers in Stocks and Bonds. He was not seeking to be married, but he intended to be married some day, and it was no part of his scheme of life to deny himself anything he wished. Support a wife? Of course he could; and support her in the same grandiose fashion which he had adopted for himself since he had begun business on his own account. He had chosen as a philosophy of life the smart paradox, which he enjoyed uttering, that he spent what he needed first and supplied the means later; and at the same time he let it be understood that the system worked wonderfully. He possessed unlimited confidence in himself, and though he was dimly aware that a very small turn of the wheel of fortune in the wrong direction would ruin him financially, he chose to close his eyes to the possibilities of disaster and to assume a bold and important bearing before the world. He had implicit faith in his own special line of ability, and he appreciated the worth of his partner, VanHorne. He had joined forces with VanHorne because he knew that he was the opposite of himself—that he was a delving, thorough, shrewd, keen office man—and able too. How genuinely able Williams did not yet know. He himself was to be the showy partner, the originator of schemes and procurer of business, the brilliant man before the world. So there was some method in his madness. And with it all went a cheery, incisive, humorous point of view which was congenial and diverting to Flossy.

He went away, but he came back once—twice—thrice in quick succession. On business, so he said casually to Mr. and Mrs. Price, but his language to their daughter was a declaration of personal devotion. It remained for her to say whether she would marry him or no. Of one thing she was sure without need of reflection, that she loved him ardently. As a consequence she surrendered at once, though, curiously enough, she was conscious when she permitted him to kiss her with effusion that he was not the sort of man she had intended to marry—that he was not fit in her sense of the word. Yet she was determined to marry him, and from the moment their troth was plighted she found herself his eager and faithful ally, dreaming and scheming on their joint account. She would help him to succeed; they would conquer the world together; she would never doubt his ability to conquer it. And in time—yes, in time they would make even the Morton Prices notice them.

And so after some bewildered opposition on the part of Mr. Price, who was alternately appalled and fascinated by the magniloquent language of his would-be son-in-law, they were married. Flossy gave but a single sign to her husband that she understood him and recognized what they really represented. It was one evening a few months after they had set up housekeeping while they were walking home from the theatre. They had previously dined at Delmonico's, and the cost of the evening's entertainment, including a bottle of champagne at dinner, their tickets and a corsage bouquet of violets for Flossy, had been fifteen dollars. Flossy wore a resplendent theatre hat and fashionable cape—one of the several stylish costumes with which her husband had hastened to present her, and Gregory was convoying her along the Avenue with the air of a man not averse to have the world recognize that they were a well set up and prosperous couple. Flossy had put her arm well inside his and was doing her best to help him produce the effect which he desired, when she suddenly said:

"I wonder, Gregory, how long it will be before we're really anybody. Now, of course, we're only make believe swell."

Gregory gave an amused laugh. "What a clever little woman! That's just what we are. We'll keep it a secret, though, and won't advertise it to the world."

"Mum's the word," she replied, giving his arm a squeeze. "I only wished you to know that I was not being fooled; that I understood."

Fate ordained that the Williamses and the Littletons should take houses side by side in the same block. It was a new block, and at first they were the sole occupants. Williams bought his house, giving a mortgage back to the seller for all the man would accept, and obtaining a second mortgage from a money lender in consideration of a higher rate of interest, for practically the remaining value. He furnished his house ornately from top to bottom in the latest fashion, incurring bills for a portion of the effects, and arranging to pay on the instalment plan where he could not obtain full credit. His reasoning was convincing to himself and did not alarm Flossy, who was glad to feel that they were the owners of the house and attractive furniture. It was that the land was sure to improve in value before the mortgage became due, and as for the carpets and curtains and other outlays, a few points in the stock market would pay for them at any time.

Wilbur Littleton did not possess the ready money to buy; consequently he took a lease of his new house for three years, and paid promptly for the furniture he bought, the selection of which was gradual. Gregory Williams had a marvellous way of entering a shop and buying everything which pleased his eye at one fell swoop, but Wilbur, who desired to accomplish the best æsthetic effects possible consistent with his limited means, trotted Selma from one shop to another before choosing. This process of selecting slowly the things with which they were to pass their lives was a pleasure to him, and, as he supposed, to Selma. She did enjoy keenly at first beholding the enticing contents of the various stores which they entered in the process of procuring wall-papers, carpets, and the other essentials for house-keeping. It was a revelation to her that such beautiful things existed, and her inclination was to purchase the most showy and the most costly articles. In the adornment of her former home Babcock had given her a free hand. That is, his disposition had been to buy the finest things which the shopkeepers of Benham called to his attention. She understood now that his taste and the taste of Benham, and even her's, had been at fault, but she found herself hampered now by a new and annoying limitation, the smallness of their means. Almost every thing was very expensive, and she was obliged to pass by the patterns and materials she desired to possess, and accept articles of a more sober and less engaging character. Many of these, to be sure, were declared by Wilbur to be artistically charming and more suitable than many which she preferred, but it would have suited her better to fix on the rich upholstery and solid furniture, which were evidently the latest fashion in household decoration, rather than go mousing from place to place, only at last to pick up in the back corner of some store this or that object which was both reasonably pretty and reasonably cheap. When it was all over Selma was pleased with the effect of her establishment, but she had eaten of the tree of knowledge. She had visited the New York shops. These, in her capacity of a God-fearing American, she would have been ready to anathematize in a speech or in a newspaper article, but the memory of them haunted her imagination and left her domestic yearnings not wholly satisfied.