"For I am the only one of my friends that I can rely on."—Appolodamus.

Olivia set out in good spirits to pay her call the next afternoon. It was a clear, frosty day, sunless and excessively cold, but Olivia felt a certain exhilaration in the ring of the horses' hoofs on the hard road, and the brisk exercise brought such a glow to her face, that more than one passer-by looked at her approvingly.

There are no cosmetiques so beneficial as good health, happiness, and an easy conscience. Olivia, who had never been handsome, looked so fresh and comely, that many a languid beauty might have envied her.

Brunswick Place was considered rather a desirable spot; it was quiet and retired, and the houses were well-built and substantial looking. They were chiefly inhabited by solicitors in good practice, and retired army men who had private means of their own. The very air was redolent of respectability and prosperity. No one with a small income would have thought of settling down in Brunswick Place.

The man-servant who admitted Olivia ushered her into a large, handsomely furnished drawing-room with a conservatory opening out of it, and the next moment Miss Williams joined her.

To her great surprise Olivia recognised her at once. She was the tall girl in brown that she had so often noticed in church, who was always alone, and who looked so sad. Yes, it was the same tired-looking young face, she was certain of it.

"I am sure I have often seen you," she said, as they shook hands, and Miss Williams smiled.

"I was just thinking the same of you. You attend St. Matthew's, do you not? I have seen you with Dr. Luttrell. Please sit down—no, not that chair. Come a little closer to the fire, it is so bitterly cold," and here she shivered a little.

"I do not mind the cold as much as some people," replied Olivia, sturdily. "I am very strong and take plenty of exercise. Perhaps you have not been out; it is so difficult to keep warm indoors."

"No, I have not been out," returned Miss Williams, and then she looked at Olivia. "It is very kind of you to come and see me—Mrs. Luttrell."