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to fill the place, you will have a good home and good wages. And Lily's fine looks ought to get her a husband."

Amity Street still had a rather select air, if its fashion was falling off a little. The house was old, but not out of date, and quite imposing; and the big doorplate, with "Nicoll" on it, stamped it as undeniably aristocratic, Miss Lily thought. She urged her mother to accept it.

"I don't feel as if I could be at that queer old woman's beck and call. I remember when we were first married she said some very mean things. My family was quite as good as your father's, Lily. Neither of his brothers amounted to much, though his sister married a rich Southerner and went off to forget all her relatives. We've never asked anything of the Ludlows, and I don't want to now."

"But it will only be for a year or two. Of course I shall marry; and then you will have two homes."

"I'd a sight rather go with Chris. And if you could teach--seems to me you might, with your education. And you have had two lovers already."

"Who couldn't take care of me. I am not going to marry that way. But, as Aunt Nicoll says, 'We shall be sure of a good home.'"

Lily gained her point. Early in the preceding spring they had gone to Amity Street. The spacious, old-fashioned parlours were a little out of date, but had been elegant in their day. Lily laid off her mourning, and fell heir to some handsome gowns that Chris helped her remodel. Mrs. Nicoll was queer and bad-tempered; and the difficulty had been to keep servants who would submit to such exactions. Matters went a little smoother; but poor Mrs. Ludlow had to suffer.

Lily spent a month at Saratoga with Mrs. Nicoll and the maid. The old lady was a good deal entertained by the airs and graces and bright ways of her grand-niece. Lily made several conquests; but the desirable offer of marriage was not forth-coming.

Mrs. Nicoll gave a reception early in the season,--a thing she always did; and her friends attended with a certain kindly feeling that she was old, and the duty might never be required of them again. Miss Lily made quite an impression; and cards and invitations were left for her. And when she attended a dance at the Apollo Rooms, the height of her ambition was reached.

At a pretty private dance she met her school-day admirer again, and tried her charms, which had increased notably since that youthful period. She did dance beautifully, and had no lack of the small talk of the day. Jim promised to call, and did so at an early date, rather surprised at the solid elegance of the place. Lily expatiated skilfully on dear old Aunt Nicoll, who _would_ have mother come and stay with her; since they were alone it seemed the best thing to do; and Aunt Nicoll had no near relatives of her own. There were plenty of her husband's family "hungry for what she had," said Lily, with a sort of sneer, as if they might find themselves mistaken in the end.

Certainly, Jim thought, Lily had dropped in a clover-field. He found that Mrs. Nicoll was considered a rich woman. Lily was handsomely dressed, and no doubt she would be kindly remembered in the old lady's will. Not that Jim was speculating on any part or lot in the matter. He was too young; he would have his three years in the law school, and after that, getting established.

Lily begged him to bring some of his friends. The house was lonely, with no young people for companionship; and she raised her eyes in the old pleading fashion that even now had quite an effect upon him.

Jim chose several young men that he associated with. Some of them had sisters, who declared Miss Ludlow charming. She was not anxious now to have any of the Underhills on her visiting-list; but she did mean to make use of Jim. She had grown quite worldly-wise and experienced.

Two of Jim's friends were generously supplied with pocket-money. One was a young Virginian, Mr. Weir, the other, Harry Gaynor, and both spent lavishly. Flowers were costly then; and Lily was the recipient of many a handsome bouquet. In return, she now and then gave a dainty supper, simple to be sure, or a card-party, with some delightful confections, and a little coffee or chocolate. Mrs. Nicoll always retired early, and took some drops to make sure of sleeping the first part of the night, so she was not easily disturbed.

Then there were stars at the theatres. Parodi was emulating Jenny Lind, who had gone to Havana; and the houses were crowded, if the tickets were not so high. It was so easy to spend money when an artful girl, with softest voice and bewitching eyes, planned for you. And it was so easy to borrow, when you had good friends.

Miss Lily looked carefully over her ground; Harry Gaynor was gay and delightful, but one couldn't be quite sure he was not flirting. And though Mr. Weir had plenty of money, there was a large family of brothers and sisters, and they lived on an extensive plantation miles away from any considerable town. There was a Mr. Lewis, not so young, who had an interest in an old well-established leather firm that had been left him by an uncle. There were some non-eligibles.

Mrs. Nicoll had said, in her caustic way:--

"You make the most of your time, Lily Ludlow. I'm past eighty, and you may find me dead in my bed some morning. I have not a stiver to leave any one; so don't you count on that. I can hardly pay my own way."

Still she had every luxury for herself; for years she had considered nothing but her own wants and indulgences.

Poor Jim! In his young mannishness he was quite sure there was no danger of falling in love; of course such a thing would be wildest folly. But Lily was very fascinating and very flattering. She put it on the score of old friendship; but, with a coquette's ardour, she did enjoy the young fellow's struggles to keep himself on a firm footing. And when he saw Gaynor's attentions, and listened to Weir's rhapsodies, a passion of boyish jealousy sprang up in his heart.

Miss Lily kept her other admirers out of the way, except as she might meet them at dances or whist parties. She was not much in love with Mr. Lewis; he was slow and really conceited, and, for a young man, rather careful of his money. If she only dared run the risk, and take Mr. Weir, who was to finish his college course in the summer! And then arose a new star on her horizon.

Mr. Williamson was forty and a widower; but he drove an elegant pair of bays, belonged to a club, and had apartments at a hotel. She tried captivating simplicity, and succeeded, to her great surprise, though she knew his habits were not irreproachable. She had begged of Mr. Lewis a little time for consideration, when one morning Mr. Williamson astonished her by a call, and an offer of his hand and fortune.

Miss Ludlow did not show her amazement, neither did she jump at the offer. She was very delicately surprised. Was he quite certain of his wishes? And--it was so unexpected!

So certain indeed that he would bring her a ring that very afternoon, and take her out driving,--a man of his years not to know his own mind!

She could hardly believe her good fortune. For a fortnight she engineered her way skilfully, still keeping Mr. Lewis in reserve. And then she was convinced, and dismissed him.

"Guess who is engaged?" Harry Gaynor cried, one morning. "I never was so beat in my life! Jim, maybe this will hit you hard. Seems to me you've been rather distraught of late and sighing like a furnace."

"These exams are enough to make any one sigh. And I am way behind. I must study day and night."

"There are always engagements at this season, and weddings at Easter," returned Weir, laughingly.

"That isn't guessing, Jim!"

"Oh, bother! What do I care?"

"Then your charmer told you last night?"

"My charmer? What are you driving at, Gaynor?"

"Oh, how innocent! Miss Lily Ludlow."

"I've met that Lewis there," returned Jim, with an air of bravado, though he flushed a little. "He's a regular stick."

"But it isn't Lewis. It's that Gerald Williamson,--a man about town. And the queer thing is that he thinks he has struck a fortune. Do _you_ know, Jim? Is she to be the old lady's heir?"

Jim was silent. What should he say?

"Of course she is," said Weir. "That is--I think it depends on whether Mrs. Nicoll approves of the marriage."

He had turned very pale.

"Are you sure it is Williamson?" asked Jim.

"He announced it himself. My cousin heard him. And as for the old lady--the house is willed away. I've heard some talk; I can't just remember what. She's been shrewdly giving the impression."

"It would be a shame to sell her to the highest bidder! And Williamson's double her age. No sister of mine would be allowed to do such a thing. She can't love him! Why, she has only been driving out with him a few times."

"If she's sold, she has done the business herself. She's a girl to look out for the main chance. Weir, I hope you haven't been hovering too near the flame. The Ludlow is capital to flirt with,--quick, spicy, sentimental by spells, not the kind of a girl to waste herself on a young, impecunious fellow like our friend Jim, here, so he goes scot-free. Weir, I hope you're not hard hit. We've all had a good time; but I think now we must address ourselves to the examinations in hand, and let the girls go. Though I am in for two big weddings, presently."

There was a summons to the class-room that stopped the chaffing. Jim felt very sober. Lily had indirectly led him to think she cared a great deal about him, and if matters only _were_ a little different! He ought not to get engaged; but the preference was flattering when a man like Weir was head over heels in love with her!

But to marry an old man like Gerald Williamson! thought the young fellow, disdainfully.


CHAPTER XVI

COUNTING UP THE COST

Jim failed miserably. What was the matter? He couldn't seem to remember the simplest thing. Did it make any difference to him whom she married? Well--if it _had_ been Weir; but that imperious, pretentious, half-dissipated Williamson, who report said had run though with one fortune, and two years ago had fallen heir to another! Why were some people so lucky! Grandmother Van Kortlandt had some money; but Hanny was named for her, and Joe was a great favourite. Then Jim flushed hotly. The idea of counting on any one's money!

Still he had a boyish, chivalric idea that he would like to snatch Lily from this awful peril, as it seemed to him. Could it be really true? The older men said Williamson was a braggart. There might be no truth in it. He would ask Lily.

Several days passed before Jim achieved his desire. Then, as he loitered around one afternoon, he saw Williamson leave the house. After a few moments he knocked.

"Miss Lily is
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