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 men; she had outwitted bankers and brokers and even swindlers, and now she stood confronted by a catastrophe which she was unable to dominate. A third or more of a vast fortune stood in danger. . . that part of it which she had been unable to save when the maelstrom broke over Europe. Much of it, fortunately, was transferred into safety. Through bits of information and advice picked up here and there in the course of her wanderings, she had divined that one day there was certain to be a war, and accordingly she had taken money out of Germany and placed it in England, disposed of Russian bonds and reinvested the money in America, shifted credits from Vienna to Paris. Yet there still remained a great sum which, for the time being, was lost in the confusion. . . part of the fortune she had tended with the care of a gardener for his most prized orchid.

In the midst of the turmoil she had stayed for days in the office of her lawyer in Paris, wiring now to London, now to Trieste, now in New York—sitting with him, a shrewd, bearded man, in conference with bankers, brokers and men who simply juggled money into more money. And in the end even she, Thérèse Callendar, had been no match for the war. She wakened one morning to find the Germans at the gates of Paris and the Government fled to Bordeaux. She was alone; Richard and Sabine and little Thérèse were in England. So alone she had paced the tesselated floors of the monstrous house in the Avenue du Bois, until all had been done which could be done. And at last, glad to leave the Europe which Ellen had called a madhouse, she turned back for the first time in her life with pleasure and relief to the quiet of the brownstone house on Murray Hill.

She had come to New York, as may be said of great people, incognita. Only her banker and her lawyer knew she was in town—a strange state of affairs for a woman who had lived always in public, going from one capital to another, seeing scores of people day by day.

It was not the money alone which troubled her. There was