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 enough to use her talents, or the years before the money invested with Allan would bring dividends, those must be years of self-sacrifice on everybody's part; and more even than that, they must be fruitful years, in which not mere saving and economizing, but earning, would be necessary.

It was only lately that Mrs. Carey had talked over matters with the three eldest children, but the present house was too expensive to be longer possible as a home, and the question of moving was a matter of general concern. Joanna had been, up to the present moment, the only economy, but alas! Joanna was but a drop in the necessary bucket.

On a certain morning in March Mrs. Carey sat in her room with a letter in her lap, the children surrounding her. It was from Mr. Manson, Allan Carey's younger partner; the sort of letter that dazed her, opening up as it did so many questions of expediency, duty, and responsibility. The gist of it was this: that Allan Carey was a broken man in mind and body; that both for the climate and for treatment he was to be sent to a rest cure in the Adirondacks; that sometime or other, in Mr. Manson's opinion, the firm's investments might be profitable if kept long enough, and there was no difficulty in keep-