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was the son of a journeyman carpenter who had died of consumption when the boy was only five years old. His mother earned a scanty living as a needle-woman, and when Frank was thirteen he went to work for a master decorator who was a man of a type that has now almost disappeared, being not merely an employer but a craftsman of a high order.

Though at one time he had had a good business in the town, of late years the number of his customers had dwindled considerably, for there had arisen a new generation which cared nothing about craftsmanship or art, and everything for cheapness and profit. From this man and by laborious study and practice in his spare time, aided by a certain measure of natural ability, Frank acquired a knowledge of decorative painting and design, and graining and signwriting.

His mother died when he was twenty-four, and a year afterwards he married the daughter of a fellow-workman.

In those days trade was fairly good, and although there was not much demand for the more artistic kinds of work, still the fact that he was capable of doing them, if required, made it comparatively easy for him to obtain employment. They had one child—a boy—and were very happy, and for some years all went well. But gradually this state of things altered. Broadly speaking, the change came slowly and imperceptibly, although there were occasional sudden fluctuations.

Even in summer Owen could not always find work, and in winter it was almost impossible to get a job of any sort. At last, about twelve months previously, he had determined to leave his wife and child at home and go to try his fortune in London, intending to send for them when he got employment.

It was a vain hope. He found London, if anything, worse than his native town. Wherever he went he was confronted with the legend: 'No hands wanted'. He walked the streets 54