"Yes; we would have been beggared, indeed, without it," agreed Mrs.
Merrick. "Yet I often wonder, Louise, how we managed to live upon the
interest of that money for so many years."

"We didn't live--we existed," corrected the girl, yawning. "We
scrimped and pinched, and denied ourselves everything but bare
necessities. And had it not been for your brilliant idea, mater dear,
we would still be struggling in the depths of poverty."

Mrs. Merrick frowned, and leaned back in her chair.

"I sometimes doubt if the idea was so brilliant, after all," she
returned, with a certain grimness of expression. "We're plunging,
Louise; and it may be into a bottomless pit."

"Don't worry, dear," said the girl, biting into a bonbon. "We are
only on the verge of our great adventure, and there's no reason to
be discouraged yet, I assure you. Brilliant! Of course the idea
was brilliant, mamma. The income of that insurance money was
insignificant, but the capital is a very respectable sum. I am just
seventeen years of age--although I feel that I ought to be thirty, at
the least--and in three years I shall be twenty, and a married woman.
You decided to divide our capital into three equal parts, and spend a
third of it each year, this plan enabling us to live in good style and
to acquire a certain social standing that will allow me to select a
wealthy husband. It's a very brilliant idea, my dear! Three years is a
long time. I'll find my Croesus long before that, never fear."

"You ought to," returned the mother, thoughtfully. "But if you fail,