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pushed open the door and announced that a lady was calling.

"She said you'd know her sho' enough, Mis' Tutt," grinned Miranda, swinging her dishrag, "'case you and she used to live tergidder when you was a young man.'

This scandalous announcement did not have the startling effect upon the respectable Mr. Tutt which might naturally have been anticipated, since he was quite used to Miranda's forms of expression.

"It must be Mrs. Effingham," he remarked, closing the career of Lord Eldon and removing his feet from the fender.

"Dat's who it is!" answered Miranda. "She's downstairs waitin' to come up."

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"Well, let her come," directed Mr. Tutt, wondering what his old boarding-house keeper could want of him, for he had not seen Mrs. Effingham for more than fifteen years, at which time she was well provided with husband, three children and a going business. Indeed, it required some mental adjustment on his part to recognize the withered little old lady in widow's weeds and rusty black with a gold star on her sleeve who so timidly, a moment later, followed Miranda into the room.

"I'm afraid you don't recognize me," she said with a pitiful attempt at faded coquetry. "I don't blame you, Mr. Tutt. You don't look a day older

yourself. But a great deal has happened to me!"

"I should have recognized you anywhere," he protested gallantly. "Do sit down, Mrs. Effingham, won't you? I am delighted to see you. How would you like a glass of toddy? Just to show there's no ill-feeling!"

He forced a glass into her hand and filled it from the teakettle standing on the hearth, while Miranda brought a sofa cushion and tucked it behind the old lady's back.

Mrs. Effingham sighed, tasted the toddy and leaned back deliciously. She was very wrinkled and her hair under the bonnet was startlingly white in contrast with the crêpe of her veil, but there were still traces of beauty in her face.

"I've come to you, Mr. Tutt," she explained apologetically, "because I always said that if I ever was in trouble you'd be the one to whom I should go to help me out."

And

"What greater compliment could I receive?" "Well, in those days I never thought that time would come," she went on. "You remember my husband-Jim? Jim died two years ago. little Jimmy-our eldest-he was only fourteen when you boarded with us-he was killed at the Front last July." She paused and felt for her handkerchief, but could not find it. "I still keep the house; but do you know how old I am, Mr. Tutt? I'm seventy-one! And the two older girls

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"I always said that if I ever was in trouble you'd be the one to whom I should go to help me out

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got married long ago and I'm all alone except for Jessie, the youngest-and I haven't told her anything about it."

"Yes?" said Mr. Tutt sympathetically. "What haven't you told her about?"

"My trouble. You see, Jessie's not a well girl -she really ought to live out West somewhere, the doctor says and Jim and I had saved up all these years so that after we were gone she would have something to live on. We saved twelve thousand dollars and put it into Government bonds."

"You couldn't have anything safer, at any rate,” remarked the lawyer. "I think you did exceedingly well."

"Now comes the awful part of it all!" exclaimed Mrs. Effingham, clasping her hands. "I'm afraid it's gone-gone forever. I should have consulted you first before I did it, but it all seemed so fair and above-board that I never thought."

"Have you got rid of your bonds?"

"Yes-no-that is, the bank has them. You see I borrowed ten thousand dollars on them and gave it to Mr. Badger to invest in his oil company for me."

Mr. Tutt groaned inwardly. Badger was the most celebrated of Wall Street's near-financiers. "Where on earth did you meet Badger?" he demanded.

"Why, he boarded with me—for a long time,"

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