going to borrow one dollar; you're not going to have a herd of Jerseys; you're not going to buy reapers and threshing machines, horses and wagons and windmills. How much would a spade, a rake, and a hoe cost?"

I gasped. "A spade—a rake!——" I began incredulously, then I smiled a smile of feeble intelligence to conceal the fact that I failed to see the point: I know what it feels like to perpetrate a pointless joke.

"And a hoe," continued Marion, earnestly. "How much would they cost?"

"About two dollars," I replied, in vague wonderment.

"Then that settles it! You may spend two dollars in implements, but not another cent. And as for drains——"

"Perhaps you would allow three for them," I interjected, with a derisive laugh. "Judge Davis spent three thousand in underdraining his farm."

"Then we'll do without underdrains. Do you begin to see now what I mean by deciding how much money we can afford not to spend."

"I believe I do," I answered, amused yet fascinated by her idea. "It will total a large amount if you keep on, but I don't see how a farm can be made to pay without investing money in it. Why, you've got to put money into anything, even into a gold mine, before you can get returns."

It was an unfortunate illustration, as I learned from Marion's pitying look. I winced; I knew what was coming. "Henry," she said, and in her face I saw that she was responding to the call of duty, "I don't grudge one dollar of that money you put into the Emperor shares last year, even if the lesson is wasted on you, as it seems to be; for that experience made me determine that I would never trust your judgment about investments again when my common-sense tells me you are wrong. Aunt Sophy says that all men who haven't been brought up on a farm are attacked by an insane belief, at some period of their lives, that they can make money by farming. She says Uncle Philip had made a hundred thousand dollars in the grocery business when he retired and bought a farm. She implored him not to do it, but he persisted, saying there was heaps of money in farming if properly managed, and he could run a farm on business principles and make it pay. But when he died she found he had left only forty thousand dollars for her to live on, and she is convinced that if he hadn't been taken away so suddenly she would have been altogether penniless. Poor Aunt Sophy! She weeps more over that money than over Uncle Philip, and the worst of it is that some semi-religious novel she has read has unsettled her old-fashioned ideas about heaven so that she is afraid that when her turn comes she'll find him at it again. The thought has hardened her so that I shouldn't be surprised if she married old Mr. Fairman and renounced Uncle Philip."

I had been about to say that I felt myself to be peculiarly fitted to illustrate paying methods of farming, but I desisted. I had been inclined to resent Marion's taunt about the unlucky mining venture, but the serious recital of the woes of her uncle and aunt moved me to laughter. I jocularly declared I would go around to the bank to see if the money we had saved by not buying a farm had been placed to my credit, but her anxiety that I should understand her theory checked my innocent levity.

"You wouldn't make light of this matter," she said, reproachfully, "if you understood its importance. Now listen: what I mean is, that instead of calculating how much money we might be able to spend on the farm we should try to see how much we can do without spending. I am sure that is the right way to avoid making a farm not pay. For example, if you think you want to buy an electric potato-digger you ought to save up the money and then——"

"And then you'll decide that I can afford not to buy it!"

"Probably—but don't you see the money would then be clear profit, and you would have it instead of a useless machine."

"It wouldn't be useless—it would dig potatoes."

"It might dig potatoes, but Aunt Sophy says you can't depend on any of these contrivances, so the chances are that it would be useless; besides, you said the Emperor shares would dig gold, and they swallowed——"

The thought of mining shares is distasteful to me; to have them dragged into the conversation is distracting; to look forward to having every budding plan nipped by the chilling reminders of bygone mistakes that my temperament would allow me to forget was not to be endured. "Marion," I interrupted, hastily, "it's a capital plan! I'll agree to try it if we ever have a farm, if you'll promise never to do or say anything to remind me of that stroke of bad luck."

"Don't you mean bad management?" she asked, gayly. "You have a dreadfully lax memory about these things, and I know you would have forgotten the Emperor shares long ago if I hadn't reminded you. However, you know it's for your own good and——"

"It isn't," I protested, with vehemence. "It dulls my sensibilities and hardens my heart."

Marion shook her head dubiously, but she promised.

I do not believe in my own presentiments, for I never have any, unless the ever-present optimistic belief that everything I undertake is going to turn out well is a presentiment, but I have learned by experience to place a certain amount of dependence upon Marion's. Therefore, for a few days after our conversation I confidently expected something to turn up, and every day when I returned home from the office I saw by her inquiring expectant glance that she was looking for the fulfilment of her prediction. As time passed, however, I began to think she had been mistaken, though I did not say so, for I know how annoying it is to have one's mistakes pointed out when one is most keenly conscious of them. Besides, to refrain made me feel magnanimous, and that feeling, perhaps, caused a shade of pitying magnanimity to creep into my tone when we discussed the project; so Marion, who is intensely susceptible to inflections, was perfectly well aware that I was practising one of the higher virtues, as well as showing a delicate consideration for her feelings that she might well copy in regard to mine. Of course, we could do nothing but make plans during the winter; but as spring approached, without any prospect of a change that would give me regular hours of work, it seemed as if we should have to give up, for a time, the prospect of moving to the country.

It was one morning early in March that the unexpected did happen. I was at my desk reading a batch of indignant letters taking me to task for an opinion I had expressed in an article on musical culture when a summons arrived from the editor-in-chief. Up to that moment I had been amused by the denials of my assertion that the performance of a Bach fugue on the piano as part of a concert programme should be condemned as provocative of snobbish pretence; that the giving out of the theme by the performer had become the signal for the audience to assume an air of intense and exalted intellectual enjoyment, though not one person in a hundred could appreciate the logical development of such a composition or distinguish anything but a confused intermingling of the parts; but the summons from the editor made me regard the matter more seriously. I hurriedly looked over the article to see if I had laid myself open to reproof for indiscretion. Yes, I had! At the very end the statement glared at me that musicians listened to a fugue with the strained intentness of jugglers watching a fellow-performer keeping three balls in the air; I had committed the fatal oversight of not saying some musicians. Probably an irate