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getting up briskly; “the things that we got will make one good meal, at all events, though the cost of them has reduced our funds to the low ebb of one penny; so, let us enjoy ourselves while it lasts!”

Kate seized the poker as she spoke, and gave the fire a thrust that almost extinguished it. Then she heaped on a few ounces of coal with reckless indifference to the future, and put on a little kettle to boil. Soon the small table was spread with a white cloth, a silver teapot, and two beautiful cups that had been allowed them out of the family wreck; a loaf of bread, a very small quantity of brown sugar, a smaller quantity of skim-milk, and the smallest conceivable pat of salt butter.

“And this took all the money except one penny?” asked Jessie, regarding the table with a look of mingled sadness and amazement.

“All—every farthing,” replied Kate, “and I consider the result a triumph of domestic economy.”

The sisters were about to sit down to enjoy their triumph when a bounding step was heard on the stair.

“That’s Ruth,” exclaimed Kate, rising and hurrying to the door; “quick, get out the other cup, Jessie. Oh! Ruth, darling, this is good of you. We were sure you would come this week, as—”

She stopped abruptly, for a large presence loomed on the stair behind Ruth.

“I have brought mamma to see you, Kate—the Misses Seaward, mamma; you have often heard me speak of them.”

“Yes, dear, and I have much pleasure in making the Misses Seaward’s acquaintance. My daughter is very fond of you, ladies, I know, and the little puss has brought me here by way of a surprise, I suppose, for we came out to pay a very different kind of visit. She—”

“Oh! but mamma,” hastily exclaimed Ruth, who saw that her mother, whom she had hitherto kept in ignorance of the circumstances of the poor ladies, was approaching dangerous ground, “our visit here has to do with—with the people we were speaking about. I have come,” she added, turning quickly to Miss Jessie, “to transact a little business with you—about those poor people, you remember, whom you were so sorry for. Mamma will be glad to hear what we have to say about them. Won’t you, mamma?”

“Of course, of course, dear,” replied Mrs Dotropy, who, however, experienced a slight feeling of annoyance at being thus dragged into a preliminary consideration of the affairs of poor people before paying a personal visit to them. Being good-natured, however, and kind, she submitted gracefully and took note, while chairs were placed round the table for this amateur Board, that ladies with moderate means—obviously very moderate—appeared to enjoy their afternoon tea quite as much as rich people. You see, it never entered into Mrs Dotropy’s mind—how could it?—that what she imagined to be “afternoon tea” was dinner, tea, and supper combined in one meal, beyond which there lay no prospective meal, except what one penny might purchase.

With a mysterious look, and a gleam of delight in her eyes, Ruth drew forth a well-filled purse, the contents of which, in shillings, sixpences, and coppers, she poured out upon the tea-table.

“There,” she said triumphantly, “I have collected all that myself, and I’ve come to consult you how much of it should be given to each, and how we are to get them to take it.”

“How kind of you, Ruth!” exclaimed Kate and Jessie Seaward, gazing on the coin with intense, almost miserly satisfaction.

“Nonsense! it’s not kind a bit,” responded Ruth; “if you knew the pleasure I’ve had in gathering it, and telling the sad story of the poor people; and then, the thought of the comfort it will bring to them, though it is so little after all.”

“It won’t appear little in their eyes, Ruth,” said Kate, “for you can’t think how badly off some of them are. I assure you when Jessie and I think of it, as we often do, it makes us quite miserable.”

Poor Misses Seaward! In their sympathy with the distress of others they had quite forgotten, for the moment, their own extreme poverty. They had even failed to observe that their own last penny had been inadvertently but hopelessly mingled with the coin which Ruth had so triumphantly showered upon the table.

“I’ve got a paper here with the name of each,” continued the excited girl, “so that we may divide the money in the proportions you think best. That, however, will be easy, but I confess I have puzzled my brain in vain to hit on a way to get poor Bella Tilly to accept charity.”

“That will be no difficulty,” said Jessie, “because we won’t offer her charity. She has been knitting socks for sale lately, so we can buy these.”

“Oh! how stupid I am,” cried Ruth, “the idea of buying something from her never once occurred to me. We’ll buy all her socks—yes, and put our own price on them too; capital!”

“Who is Bella Tilly?” asked Mrs Dotropy.

“A young governess,” replied Jessie, “whose health has given way. She is an orphan—has not, I believe, a relative in the whole world—and has been obliged to give up her last situation, not only because of her health, but because she was badly treated.”

“But how about poor Mr Garnet the musician?” resumed Ruth, “has he anything to sell?”

“I think not,” answered Kate; “the sweet sounds in which he deals can now be no longer made since the paralytic stroke rendered his left arm powerless. His flute was the last thing he had to sell, and he did not part with it until hunger compelled him; and even then only after the doctors had told him that recovery was impossible. But I daresay we shall find some means of overcoming his scruples. He has relatives, but they are all either poor or heartless, and between the two he is starving.”

Thus, one by one, the cases of those poor ones were considered until all Ruth’s money was apportioned, and Mrs Dotropy had become so much interested, that she added a sovereign to the fund, for the express benefit of Bella Tilly. Thereafter, Ruth and her mother departed, leaving the list and the pile of money on the table, for the sisters had undertaken to distribute the fund. Before leaving, however, Ruth placed a letter in Kate’s hand, saying that it had reference to an institution which would interest them.

“Now isn’t that nice?” said Kate, sitting down with a beaming smile, when their visitors had gone, “so like Ruth. Ah! if she only knew how much we need a little of that money. Well, well, we—”

“The tea is quite cold,” interrupted Jessie, “and the fire has gone out!”

“Jessie!” exclaimed Kate with a sudden look of solemnity—“the penny!”

Jessie looked blankly at the table, and said— “Gone!”

“No, it is there,” said Kate.

“Yes, but Ruth, you know, didn’t count the money till she came here, and so did not detect the extra penny, and we forgot it. Every farthing there has been apportioned on that list and must be accounted for. I couldn’t bear to take a penny out of the sum, and have to tell Ruth that we kept it off because it was ours. It would seem so mean, for she cannot know how much we need it. Besides, from which of the poor people’s little stores could we deduct it?”

This last argument had more weight with Kate than the others, so, with a little sigh, she proceeded to open Ruth’s letter, while Jessie poured out a cup of cold tea, gazing pathetically the while at the pile of money which still lay glittering on the table.

Ruth’s letter contained two 5 pounds Bank of England notes, and ran as follows:—

Dearest Jessie and Kate,—I sent your screen to the institution for the sale of needlework, where it was greatly admired. One gentleman said it was quite a work of genius! a lady, who seemed to estimate genius more highly than the gentleman, bought it for 10 pounds, which I now enclose. In my opinion it was worth far more. However, it is gratifying that your first attempt in this way has been successful.

Your loving Ruth.”

“Loving indeed!” exclaimed Kate in a tremulous voice.

Jessie appeared to have choked on the cold tea, for, after some ineffectual attempts at speech, she retired to the window and coughed.

The first act of the sisters, on recovering, was to double the amount on Ruth’s list of poor people, and to work out another sum in short division on the back of an old letter.

“Why did you deceive me, dear?” said Mrs Dotropy, on reaching the street after her visit. “You said you were going with me to see poor people, in place of which you have taken me to hear a consultation about poor people with two ladies, and now you propose to return home.”

“The two ladies are themselves very poor.”

“No doubt they are, child, but you cannot for a moment class them with those whom we usually style ‘the poor.’”

“No, mother, I cannot, for they are far worse off than these. Having been reared in affluence, with tenderer feelings and weaker muscles, as well as more delicate health, they are much less able to fight the battle of adversity than the lower poor, and I happen to know that the dear Misses Seaward are reduced just now to the very last extreme of poverty. But you have relieved them, mother.”

“I, child! How?”

“The nursery screen that you bought yesterday by my advice was decorated by Jessie and Kate Seaward, so I thought it would be nice to let you see for yourself how sweet and ‘deserving’ are the poor people whom you have befriended!”

Chapter Three. Introduces Consternation to A Delicate Household.

The day following that on which Mrs Dotropy and Ruth had gone out to visit “the poor,” Jessie and Kate Seaward received a visit from a man who caused them no little anxiety—we might almost say alarm. He was a sea-captain of the name of Bream.

As this gentleman was rather eccentric, it may interest the reader to follow him from the commencement of the day on which we introduce him.

But first let it be stated that Captain Bream was a fine-looking man, though large and rugged. His upper lip and chin were bare, for he was in the habit of mowing those regions every morning with a blunt razor. To see Captain Bream go through this operation of mowing when at sea in a gale of wind was a sight that might have charmed the humorous, and horrified the nervous. The captain’s shoulders were broad, and his bones big; his waistcoat, also, was large, his height six feet two, his voice a profound bass, and his manner boisterous but hearty. He was apt to roar in conversation, but it was in a gale of wind that you should have heard him! In such circumstances, the celebrated bull of Bashan would have been constrained to retire from his presence with its tail between its legs. When we say that Captain Bream’s eyes were kind eyes, and that the smile of his large mouth was a winning smile, we have sketched a full-length portrait of him,—or, as painters might put it, an “extra-full-length.”

Well, when Captain Bream, having mown his chin, presented himself in public, on the morning of the particular day of which we write, he appeared to be in a meditative mood, and sauntered slowly, with the professional gait of a sailor, through several narrow streets near London Bridge. His hands were thrust into his coat-pockets, and a half humorous, half perplexed expression rested on his face. Evidently something troubled him, and he gave vent to a little of that something in deep tones, being apt to think aloud as he went along in disjointed sentences.

“Very odd,” he murmured, “but that girl is always after some queer—well, no matter. It’s my business to—but it does puzzle me to guess why she should want me to live in such an out-o’-the-way—however,

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