world; that is to say, he had not made himself important or rich. Money had not come to him with his gentle blood, and he had not had the art to command it, nor ever would have had. It is a pursuit that requires the whole energies of one's mind, and his mind had been distributed a good deal. He was fond of books, which was a fatal weakness; he was fond of little scientific experiments, which was worse; he was indifferent to the sovereign rule of public opinion and the advantages enjoyed by those who can cut a dash, which was worst of all. And, besides, he was deaf. He had begun to grow deaf when quite a young man, after having a fever, and by the time he was fifty one had to shout at him.

So, when at fifty-six he met his untimely end, because he could not hear the train behind him, he was in the position of a clerk in a merchant's office, highly valued and trusted indeed, but worth no more than £370 per annum, which salary he had received for sixteen years. The £70 had paid the rent of the little house in which he had dwelt with his family for the greater part of that time, and on the remainder they had lived quite comfortably, in a small way, by dint of good management, without owing a penny to anybody. Mrs. Liddon, otherwise a comparatively uncultured person, was an accomplished cook and domestic administrator; Jenny, the eldest daughter, in whom the qualities of both parents blended, got up early in the morning to buy provisions at the market, and did all the dressmaking for the family; Joe, a junior in his father's office, paid something for his board, and otherwise kept and clothed himself; and Sarah, the youngest, who had a bent spine, was literary, like her father, in whose intellectual pursuits she had had the largest share, and morally indispensable, though not practically supporting, in the economy of the household.

When the father was gone, the income was gone too, and the home as it had been. Mother and children found themselves possessed of £500, paid by an insurance office, and their little family belongings, and a few pounds that had been kept in store for the casual rainy day. To this the firm who had employed him would have added a gift of £100 had the pride of these humble folks allowed it; and their relatives were also prepared to "do something" in the way of what seemed necessary help. But the first resolution come to by the bereaved ones, when resolutions had to be taken, was to decline all such help and depend upon themselves. That being settled, they sat down to consult together as to how they might invest their capital to the best advantage, so as to make it the foundation of their future livelihood. Jenny called the meeting a few days after their return from the funeral, and insisted that all should rouse themselves to a sense of the extreme seriousness of the situation.

"We must at once set to work," she said impressively; "and we must not shilly-shally about it either. Make your suggestions first, and then, if I don't like them, I will make mine. What is your notion, mother?"

"Oh, my dear, I'm sure I don't know," quavered Mrs. Liddon, as she drew forth the constant handkerchief; "I have no heart to think of anything yet." She sobbed. "I suppose a boarding-house—that's the usual thing. We must have our own house and keep together; I could never bear to part with any of you—all I've got now!" The handkerchief went to her eyes, "Certainly we will all keep together," the children declared, extending arms towards her. "That's understood, of course. That's what we are planning for, first of all."

"And seeing that I can cook," whimpered the widow, "if I can't do anything else——"

"Yes, dear," Jenny broke in. "But I don't think a boarding-house would do, somehow. We haven't enough to make a good one, and to make it safe. You see Melbourne simply swarms with them already."

"And you'd have to take men—women are no good, and, besides, there aren't any—and I won't have all sorts of clerks and cads making free in the house with my sisters," said young Joe severely.

"We needn't let them make free," said Jenny, smiling.

"And you're only a clerk yourself," said Sarah.

"And I don't think there's a boarding-house in the town that would have a table like mine for the money," said his mother, with spirit, and with the air of having considered the subject.

Jenny thought for a minute or two, rapidly; then she shook her head. "Too much outlay," she objected, "and the result too uncertain."

"Everything is uncertain in this world," sighed Mrs. Liddon, disappointed and discouraged. "Then what do you propose yourself, my dear? A school?"

Jenny shook her head again. "The place is literally stiff with them," she replied. "And, even if there were room for us, we are not qualified."

"Let us have a four-roomed cottage," said Sarah, "and keep ourselves to ourselves; have no servant, and take in sewing or type-writing."

"We should be insolvent in a couple of years or so," her sister replied, "and we should cripple Joey."

"As to that," said Joey, "I'm not afraid. I want to take care of you, and I ought. I am the only man in the family, and women have no business to work and slave while they have a man to do for them."

"My poor boy! On a hundred and thirty pounds a year!"

"It won't always be a hundred and thirty."

"No, Joe. We can do better than that. Thank you all the same, old fellow."

"Well, tell us how you can do better."

He squared his arms on the table and looked at her. Her mother and sister also looked at her, for it was evident that she was about to bring forth her scheme, and that she expected it to impress them.

"What I should have liked," she began, "if there had been money enough for a fair start—which there isn't—is a—quite a peculiar and particular—not in any way a conventional—shop."

"Oh!"

"Good gracious!"

"Go on!"

"You needn't all look so shocked. A shop such as I should have would be a different kind of thing from the common, I assure you. I have often thought of it. I have always felt"—with a smile of confidence—"that I had it in me to conduct a good business—that I could give the traditional shopkeeper 'points,' as Joey would say. However, like the boarding-house, it would swallow up all the money at one gulp, so it can't be done."

"A good job too," said Joey with a rough laugh.

"Don't say that without thinking," rejoined the girl, whose intelligent face had brightened with the mention of her scheme. "I daresay you would rather be a millionaire—so would I; but you must remember we have to earn our bread, without much choice as to ways of doing it. It would have been nice, after a day's work"—she looked persuadingly at Sarah—"to have had tea in our own back parlour, all alone by ourselves, free and comfortable; and in the evening to have totted up our takings for the day—all cash, of course—and seen them getting steadily bigger and bigger; and by-and-by—because I know that, with a good start, I should have succeeded—to have become well enough off to sell out, and go to travel in Europe, and do things."

"Ah—that!" sighed Sarah, who had a thin, large-eyed, eager face that betokened romantic aspirations.

"If I had only myself to consider, I would do it now," said Jenny. "But there are you three—your money must not be risked."

Joey thought of an elegant little cousin up country, the daughter of a bank manager, who naturally turned up her nose at retail trade; and he said that, as the present head of the family—he was afraid Jenny was over-looking the fact that he held this position by divine right of sex—he should certainly withhold his sanction from any such absurd project, risk or no risk. "Thank the Lord," he blustered angrily, "we have not come down to that—not yet!"

She laughed in his face. "You talked about cads just now," she said; "take care you don't get