'Shut it,' remarked a fat, dark girl, placidly helping herself to potatoes, 'some people make a sight too much out of settling day.'

'Perhaps yer'll tell me wot yer mean, Miss Prodgitt,' snarled Gertie, her brown eyes flashing, her cockney accent attaining a heroic pitch.

'What I say,' remarked Miss Prodgitt, with the patronising air that usually accompanies this enlightening answer.

'Ho, indeed,' snapped Gertie, 'then p'raps yer'll keep wot yer've got ter sye to yersel, Miss Prodgitt.'

The fat girl opened her mouth, then, changing her mind, turned to Victoria and informed her that the weather was very cold for the time of the year.

'That'll do, Gertie,' remarked Lottie, 'you leave Bella alone and hook it.'

Gertie glowered for a moment, wasted another look of scorn on her opponent and flounced out of the room into a cupboard-like dark place, whence issued sounds like the growl of an angry cat. Something had obviously happened to her hat.

Victoria looked round aimlessly. She had no appetite; for half-past three, the barbarous lunch hour of the Rosebud girls, seemed calculated to limit the food bill. By her side Bella was conscientiously absorbing the potatoes that her daintier companions had left over from the Irish stew. Lottie was deeply engrossed in a copy of London Opinion, left behind by a customer. Victoria surveyed the room, almost absolutely bare save in the essentials of chairs and tables. It was not unsightly, excepting the fact that it was probably swept now and then but never cleaned out. Upon the wall opposite was stuck a penny souvenir which proclaimed the fact that the Emperor of Patagonia had lunched at the Guildhall. By its side hung a large looking glass co-operatively purchased by the staff. Another wall was occupied by pegs on which hung sundry dust coats and feather boas, mostly smart. Gertie, in the corner, was still fumbling in the place known as 'Heath's' because it represented the 'Hatterie.' It was a silent party enough, this; even the two other girls on duty downstairs would not have increased the animation much. Victoria sat back in her chair, and, glancing at the little watch she carried on her wrist in a leather strap, saw she still had ten minutes to think.

Victoria watched Gertie, who had come out of 'Heath's' and was poising her hat before the glass. She was a neat little thing, round everywhere, trim in the figure, standing well on her toes; her brown hair and eyes, pursed up little mouth, small, sharp nose, all spoke of briskness and self-confidence.

'Quarter to four, doin' a bunk,' she remarked generally over her shoulder.