want. Then, there's the ground—say at another two. And there you are. Four thousand altogether. Well, you'd pay 'em a mere rent for that, and so much tacked on, which would, each time, reduce the principal. And when you pay your last year of rent and interest, it ought to have come down to a five-pound note.”

This is admirable. What a glorious society is the Building Society . . . if Cazell is only right.

I will draw out plans at once.

Will he come down with me, somewhere, and choose the land?

“Certainly. Why not try Kent?” he asks. I have no objection to Kent. “But,” I suggest, “wouldn't it be better, first, to settle the sort of thing wanted?”

Happy Thought.—Put it down on paper.

A billiard-room, absolute necessity.

Stables. Do.

“Bath-room,” adds Milburd, to whom, on his accidentally looking in, we appeal for assistance.

MILBURD.

Happy Thought.—“While I am about it” (as Milburd says), “why not a Turkish bath?” In the house. Excellent!

What after this?

Milburd suggests smoking-room, and library. Yes. That's all.

Not all: Milburd thinks that a Racquet Court wouldn't be bad, and while I am about it, it would be scarcely any more expense, to have a Tennis Court; and, by the way, a positive saving to utilise the outside walls of both, for Fives.

Query. Won't this cost too much?

“The question is,” says Boodels (he has been recently improving his own house), “What is your limit?”

“No, I argue, let's see what an imaginary house will cost, and then I'll have so much of it as I want. Say,” I put it, “a house is to cost two thousand——”

“Can't be done for the money,” says Boodels, positively.

This is rather damping, but, on consideration, it's just what Boodels would say in anybody's case, except his own.

BOODELS OF BOODELS.

I pass over his opinion and continue.

“For argument's sake, let's say the house costs four thousand——” (This I feel sounds very pleasant, but what will the Building Society say, and how about the security? These, however, are details for subsequent consideration. One thing at a time: and these extras rather hamper one's ideas. So I say £4,000, and leave it at that.)

“More,” says Boodels, “but you might do it for that.”

I repeat “For argument's sake.” Formula admitted.

Well then, I suppose it to cost four thousand, I can only spend two thousand. Very good, I'll only have, as it were, two thousand pounds' worth of house.

“Half a house, in fact,” says Milburd.

This is not the way to put it, but I am, I feel, right, somehow.

I appeal to my friend Jenkyns Soames, who is writing a book on Scientific Economy.

He replies that mine is correct, in theory, if taken from a certain point of view. We admit that this is a sensible way of putting it. And are, generally, satisfied.

“There's one thing I must have,” I remember, aloud, as I sit down to draw a first plan, “my Study.”

A. Billiard Room.

B. Tennis Court.