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indisposed, and cannot see any one," announced the maid.

"She will see me," returned Jim, with an air of dignity; and he walked into the parlour that had an atmosphere of twilight, quite determined to remain until she came down.

She seemed in no hurry, and Jim's temper began to loose its serenity. The maid came and lighted the gas jet in the hall. Then there was a rustle of silken garments on the stair.

"Oh, Jim dear," the entreating voice said, "I've had such a horrid headache all the afternoon. I've been in the bed. I really did not feel fit to see any one," with a languid, indifferent air.

And Williamson had just gone away!

"So you will excuse me, if I'm stupid--"

"Is the story true about your--your engagement?" asked the young fellow, abruptly.

"My engagement? Well, I've had an offer of marriage,--two of them. Wouldn't you advise me to take the best one?" rather archly.

The tone rang flippantly. Jim felt she was evading.

"You see I can't be young always. And Aunt Nicoll may go without a moment's warning. She had a bad spell yesterday; and she does get in such horrid tantrums! Mother is awfully tired of staying with her. And most girls get married--those who have a chance." She ended with a forced little laugh.

"Is it Williamson? You don't know the sort of man he is," and Jim's voice was husky with emotion.

"Oh, everybody gets talked about sooner or later! He has been rather wild; but he wants to settle down now. And I'm not a sentimental girl. Yes, I do think I'll take him," hesitatingly.

"Lily!"

"Oh, Jim, you are very young and inexperienced! If you were ten years older, there wouldn't be a man on the whole earth I'd marry as soon. But you know I said we could only be friends; and I hope you haven't been cherishing any silly romances about me," tossing her head coquettishly. "I shall always like you, and I want us to keep friends. But you can't understand all the reasons. Some girls might drag you into an engagement, and waste all your young years; but I could not be so mean to any friend I cared about. We have settled all this matter."

Her tone took on a rather sharp business accent. It was almost curt.

Yes, it had been settled. Yet she had demanded a lover-like devotion, and allowed him to speculate on what might have been if she were rich or he older. And though Jim's sturdy common-sense had kept him from going very deep, he felt wretched and jealous that any other man should have the supreme right; and yet he had a conviction that the friendship or flirtation ought to end.

"He thinks you are Mrs. Nicoll's heiress."

She gave a light laugh. "Oh, that will do to talk about; and she may leave me a little. If I was her heiress--"

The glance roused Jim's anger. He rose suddenly.

"I hope you love Williamson," he said, in a tone that he meant to sound bitterly cutting. "A girl who sells herself for money to such a man--"

"Nonsense, Jim!" She rose also. "You'll find most of the world will consider it a good marriage; and anyhow, I have to look out for myself. It's too bad to break up the pleasant times we've had this winter; but you must not be angry. You will understand it better presently. I wouldn't let you go off in this way if I hadn't such a wretched headache; but you will come in again."

Jim said good-evening with superb dignity. What a stylish fellow he was. Of course he felt a little "huffy" now; but next winter, when she had a home of her own, she would give attractive parties, and invite Jim among the very first. By that time he would be over his boyish folly. And now, what must she wear to the theatre to-night? She must look her prettiest. Her wretched headache was gone.

James Underhill felt as he had sometimes in the old school days, that he had been duped. He was angry with her, with himself. He had brought his friends to the house; and he knew Weir was really in love with her, yet she had laughed daintily about some of his peculiarities. What if she had laughed with Gaynor about him? She did satirise people. It was strange how many faults he saw in her! Yet he did hate to have her marry Williamson.

He heard of her being at the theatre that evening with an array of diamonds, which young girls seldom wore. In a week or so the marriage was discussed with a little wonder. Mrs. Nicoll was one of the old New Yorkers, a Ludlow herself. It was fortunate for Lily's prestige that her plain, unambitious father was dead, and her mother kept well in the background. No one quite knew about the fortune.

Richard Weir was certainly hard hit. He made a pretence of devoting himself to his studies to keep away from Gaynor's raillery. But one day he said to Jim,--

"Something ought to be done to save Miss Ludlow from such an awful sacrifice; don't you think so, Underhill? That old aunt has egged her on, and she's doing this for her mother's sake. If I was in a position to marry, I know I could persuade her to throw it up. What shall I do, Jim? I know she really loves me. She is heroic about it. She thinks it would spoil my life in the very beginning. I don't know how father would take it; and there's such a family of us to provide for."

"Let her alone," returned Jim, gruffly. So she had played with this honest-hearted young fellow as well; and the saddest of all was that he really believed in her.

"She will marry Williamson, no matter what comes. Weir, I'm sorry enough I introduced you, if you are going to take it that way. Lily Ludlow is a flirt, pure and simple. I've never believed it until now. There is no use in our wasting our sympathies upon her."

"You don't half do her justice, Jim; if you could hear her side--"

"I have heard it," laconically. "Weir, I'm awful sorry," and he wrung the young fellow's hand.

There was another aspect to Jim beside the mortification. He had dropped behind in his standing. Late hours and planning all sorts of amusements had distracted his attention. And there was another fact to face. He had been spending money with a lavishness that he wondered at now. He had borrowed of Weir, of Gaynor, of Ben. When he counted up the total he was dismayed. His father had been generous. They had all been very proud of him. How could he confess the miserable fiasco to any one? Perhaps, after he had taken his degree--

But he had to study hard for that. No more frolicking about! He had a good deal of resolution, when it was put to the test. He would ask sober-going Ben to lend him a hundred dollars, which he would pay back by degrees. No girl should ever win a smile out of him again. He would never borrow when he was once out of this difficulty.

He knew Dick Weir really needed his money, and this emboldened him to apply to Ben. Alas!

"I'd do it in a minute Jim; but I've been trying a sort of experiment. I had a chance to buy some capital stock, five hundred dollars' worth, and I just scraped up everything I had, and borrowed, so I'm behind, and must catch up. You've been pretty gay, haven't you, Jim?"

"I have been an idiot," replied Jim, sturdily. "But I have learned a lesson."

"You just go to Joe. He's the best fellow in all the world. Don't worry father about it; he takes such pride in his young collegian," and Ben smiled with generous kindliness upon his younger brother.

That was the best thing certainly; yet it was days before Jim could summon sufficient courage. And then he found, as he blundered a little over the matter, that Joe thought it worse than it really was.

"Have you been gambling?" the elder asked gravely.

"No, not that, Joe. It's all been a silly sort of extravagance. I am mad at myself when I think of it." He wouldn't say he had been tempted by a girl into much unwise expenditure. How could he have been so weak!

"It will be all right," returned Joe. "I am glad it is not gambling debts; though a hundred dollars wouldn't cover much. I hope you are coming through in good shape."

"You may be sure of that. Oh, Joe, how kind you are!"

"What is brotherhood for, if not that?" said Joe gravely.

He would not put himself in the way of meeting Miss Ludlow, though she did send him two rather plaintive notes. Early in June, the marriage took place; and the bride's trousseau was quite magnificent, if it was not made in Paris. Mrs. Nicoll was delighted with what she termed her grandniece's good sense, and gave her a handsome set of rubies, beside having her diamonds reset for her. And when she died, some two months later, it was found she had made a new will on Lily's wedding day, in which she bequeathed the bride all her personal effects and some valuable bank-stock, if the amount was not very large. The next winter, Mrs. Williamson took her place in society, and was quite a married belle, managing her husband as adroitly as she had managed her lovers.

Jim studied day and almost night to make up for the dissipation of the winter, and passed with honour, though Joe had hoped he would have one of the orations. He went immediately into the law office of a friend of Stephen's as clerk and copyist while he was waiting for the new term of the law school.

Charles Reed did distinguish himself, and was one of the heroes of the occasion. He was a fine, manly fellow now, and Mrs. Dean loved him like a son. Indeed, it seemed as if he might be her son, the young people were so much to each other. Josie would graduate the next year at the high school.

Ben and Delia had gone along through the winter with very little change, except to learn how much they loved each other. The young men did not have quite such rollicking good times, though Nora was developing into a very attractive young girl and enchanted them with her singing. Delia was very busy trying her best to come up to some high standards of literary work. Everybody was not a genius in those days. Colleges had not begun to turn them out by the score, and the elder people were very often helpful to the younger ones.

There was, it is true, a certain kind of Bohemianism among the men that proved dangerous to more than one fine, promising mind. Ben liked the bright wit and keen encounters, and the talk that ran through centuries of intellectual activity as if it was only yesterday. He was taking a curious interest in politics as well, for some great questions were coming to the fore.

Mrs. Underhill had preserved a cautious silence respecting Delia, indeed, ignored the whole matter. Dolly was cordial when they met. Jim had been so taken up with his engrossing experience that he rarely went to Beach Street; and the two sets of society were widely apart. Delia
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