earn; and she put her mind to it eagerly.

She propped her small chin on her hands, while Alice told her tale.
Apparently the improvement in the family finance, caused by Connie's
three hundred, had been the merest temporary thing. The Reader's
creditors had been held off for a few months; but the rain of
tradesmen's letters had been lately incessant. And the situation had
been greatly worsened by a blow which had fallen just before the
opening of term.

In a former crisis, five years before this date, a compassionate cousin,
one of the few well-to-do relations that Mrs. Hooper possessed, had come
to the rescue, and had given his name to the Hoopers' bankers as
guarantee for a loan of L500. The loan was to have been repaid by yearly
instalments. But the instalments had not been paid, and the cousin had
most unexpectedly died of apoplexy during September, after three days'
illness. His heir would have nothing to say to the guarantee, and the
bank was pressing for repayment, in terms made all the harsher by the
existence of an overdraft, which the local manager knew in his financial
conscience ought not to have been allowed. His letters were now so many
sword-thrusts; and post-time was a time of terror.

"Father doesn't know what to do," said Alice despondently. "He and Nora
spend all their time trying to think of some way out. Father got his
salary the other day, and never put it into the bank at all. We must
have something to live on. None"--she hesitated--"none of the tradesmen
will give us any credit." She flushed deeply over the confession.

"Goodness!" said Connie, opening her eyes still wider.

"But if Nora knows that I've been telling you"--cried Alice--"she'll
never forgive me. She made me promise I wouldn't tell you. But how can
you help knowing? If father's made a bankrupt, it wouldn't be very nice
for you! How could you go on living with us? Nora thinks she's going to
earn money--that father can sell two wretched little books--and we can
go and live in a tiny house on the Cowley Road--and--and--all sorts of
absurd things!"

"But Why is it Nora that has to settle all these things?" asked Connie
in bewilderment. "Why doesn't your mother--"

"Oh, because mother doesn't know anything about the bills," interrupted
Alice. "She never can do a sum--or add up anything--and I'm no use at it
either. Nora took it all over last year, and she won't let even me help
her. She makes out the most wonderful statements--sh