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 had only attained his promotion three months before his death. There would have been an extra five hundred dollars a year when he was at sea, and on the strength of this addition to their former income he intended to increase the amount of his life insurance, but it had not yet been done when the sudden illness seized him, an illness that began so gently and innocently and terminated with such sudden and unexpected fatality.

The life insurance, such as it was, must be put into the bank for emergencies. Mrs. Carey realized that that was the only proper thing to do when there were four children under fifteen to be considered. The pressing question, however, was how to keep it in the bank, and subsist on a captain's pension of thirty dollars a month. There was the ten thousand, hers and the Captain's, in Allan Carey's business, but Allan was seriously ill with nervous prostration, and no money put into his business ever had come out, even in a modified form. The Admiral was at the other end of the world, and even had he been near at hand Mrs. Carey would never have confided the family difficulties to him. She could hardly have allowed him even to tide her over her immediate pressing anxieties, remembering his invalid sister and his many responsibilities. No, the years until Gilbert was able to help, or Nancy old