And Isabel entered, the teakettle boiling in her wake. As she dispensed the material concomitants, the conversation went on.

"We have been talking about fire insurance and trolley systems," said Helen. And she summarized Wilkinson's remarks for her friend's benefit. Isabel listened with interest but skepticism.

"If you really expect father to insure anything, Charlie, I'm afraid you will be disappointed," she said frankly. "I hope you're not serious about it."

"Serious! I should think I was! I would naturally be just a little serious about something on which depended the life, liberty, and pursuit of happiness of Charles S. Wilkinson, Esquire. It is a matter of most vital necessity, I assure you—nothing less. And now having acquainted you with the salience of the situation, I will allow you a period for reflection undisturbed by pleasantries or philosophic observations from myself which might conceivably divert the currents of your minds. Meanwhile I shall devote this period to an intelligent appreciation of Isabel's compendious and soul-satisfying tea."

The two girls looked blankly at one another.

"My dear Charlie," Miss Hurd said, "it is very painful to have to overturn the family water cooler on your ambitious young hopes, but are you aware that for thirty years my mother—or her representative—has carried the silver upstairs every night because as a family we did not believe in insuring it? Burglary insurance, life insurance, fire insurance—father has never paid a dollar for any one of them. And do you happen to recall the line of my distinguished parent's jaw? If I were you, Charlie, I would try to insure somebody else's trolley system."

Wilkinson shook his head sadly.

"No, that won't do, Isabel. John M. is the only relative I have who owns a trolley system, or much of anything else. Most of the other systems are insured already, anyway, and the people who own them undoubtedly insure them through their own connections—I was about to say poor relations. No, my only hope is here, and it grieves me deeply, Isabel, to see you take so pessimistic a view. Nevertheless, I am not downcast; I will arise buoyantly to ask whether you cannot do better?—whether you cannot devise some expedient whereby the heart of your worthy father may be melted and become as other men's hearts. I don't demand a permanent or even a protracted melting—all I ask is a temporary thaw, just long enough to let me extract a promise from him to let me insure those car barns and power houses. Then he can revert to adamant and be—and welcome, so far as I am concerned. Now, Miss Maitland, have you nothing to suggest?"

"Wouldn't it be more satisfactory to succeed by your own ideas and devices?" Helen inquired.

"All very pretty, my plausible girl, but what if one has no ideas or devices? That is very nearly my case, and it is a hard one. I've only one real shot in my locker, and if that doesn't reach its mark, I'm lost."