"Perhaps I have reason for so doing," he responded, a shadow flitting across his face.

An embarrassing silence ensued, which was broken, at last, by Mr. Ludlow.

"Perhaps," he began, "there may occur no better time than the present, to apprise you all of a matter that must, sooner or later, become known to you. We will have to make an effort to reduce our expenses—and it seems to me that this matter of going to the Springs, which will cost some three or four hundred dollars, might as well be dispensed with. Business is in a worse condition than I have ever known it; and I am sustaining, almost daily, losses that are becoming alarming. Within the last six weeks I have lost, beyond hope, at least twenty thousand dollars. How much more will go I am unable to say. But there are large sums due me that may follow the course of that already gone. Under these circumstances, I am driven to the necessity of prudence in all my expenditures."

"But three or four hundred are not much, Pa," Emily urged, in a husky voice, and with dimmed eyes. For the fear of not being able to go somewhere, was terrible to her. None but vulgar people staid at home during the summer season.

"It is too large a sum to throw away now. So I think you had all better conclude at once not to go from home this summer," said Mr. Ludlow.

A gush of tears from Emily and Adeline followed this annunciation, accompanied by a look of decided disapprobation from the mother. Mr. Ludlow felt deeply tried, and for some moments his resolution wavered; but reason came to his aid, and he remained firm. He was accounted a very rich merchant. In good times, he had entered into business, and prosecuted it with great energy. The consequence was, that he had accumulated money rapidly. The social elevation consequent upon this, was too much for his wife. Her good sense could not survive it. She not only became impressed with the idea, that, because she was richer, she was better than others, but that only such customs were to be tolerated in "good society," as were different from prevalent usages in the mass. Into this idea her two eldest daughters were thoroughly inducted. Mr. Ludlow, immersed in business, thought little about such matters, and suffered himself to be led into almost anything that his wife and daughters proposed. But Mrs. Ludlow's brother—Uncle Joseph, as he was called—a bachelor, and a man of strong common sense, steadily opposed his sister in her false notions, but with little good effect. Necessity at last called into proper activity the good sense of Mr. Ludlow, and he commenced the opposition that has just been noticed. After reflecting some time upon the matter, he resolved not to assent to his family leaving home at all during the summer.

All except Florence were exceedingly distressed at this. She acquiesced with gentleness and patience, although she had much desired to spend a few weeks at Saratoga. But Mrs. Ludlow, Emily, and Adeline, closed up the front part of the house, and gave directions to the servants not to answer the door bell, nor to do anything that would give the least suspicion that the family were in town. Then ensconcing themselves in the back buildings of their dwelling, they waited in gloomy indolence for the "out of the city" season to pass away; consoling themselves with the idea, that if they were not permitted to join the fashionables at the Springs, it would at lest be supposed that they had gone some where into the country, and thus they hoped to escape the terrible penalty of losing caste for not conforming to an indispensable rule of high life.

Mr. Ludlow was compelled to submit to all this, and he did so without much opposition; but it all determined him to commence a steady opposition to the false principles which prompted such absurd observances. As to Uncle Joseph, he was indignant, and failing to gain admittance by way of the front door after one or two trials, determined not to go near his sister and nieces, a promise which he kept for a few weeks, at least.

Meantime, every thing was passing off pleasantly at Saratoga. Among the distinguished and undistinguished visitors there, was Mary Jones, and her father, a man of both wealth and worth, notwithstanding he was only a watchmaker and jeweller. Mary was a girl of no ordinary character. With beauty of person far exceeding that of the Misses Ludlow, she had a well cultivated mind, and was far more really and truly accomplished than they were. Necessarily, therefore, she attracted attention at the Springs; and this had been one cause of Emily's objection to her.

A day or two after her arrival at Saratoga, she was sitting near a window of the public parlor of one of the hotels, when a young man, named Armand, whom she had seen there several times before, during the watering season, in company with Emily Ludlow, with whose family he appeared to be on intimate terms came up to her and introduced himself.