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for although my father had never said anything against his elder brother, I somehow had divined, rather than knew, that he was a hard man, and his answering letter gave proof of that, for it contained no expression of regret for his brother’s death. My uncle declined to make the advance I asked for, saying that many years before he had given my father two hundred dollars which had never been repaid. I was thus compelled, for the time at least, to give up my plan for opening a dressmaking establishment, even on the smallest scale, and was obliged to take a situation similar to that which I hold here. In three years I was able to save the two hundred dollars, which I sent to my uncle, and promised to remit the interest if he would tell me the age of the debt. He replied giving the information, and enclosing a receipt for the principal, with a very correct mathematical statement of the amount of interest if compounded annually, as was his legal right, but expressing his readiness to accept simple interest, and give me a receipt in full.”

      “The brute!” ejaculated Katherine, which remark brought upon her a mild rebuke from her mother on intemperance of language.

      “Well, go on,” said Katherine, unabashed.

      “I merely mention this detail,” continued Dorothy, “as an object lesson in honesty. Never before since the world began was there such a case of casting bread upon the waters as was my sending the two hundred dollars. My uncle appears to have been a most methodical man. He filed away my letter which contained the money, also a typewritten copy of his reply, and when he died, it was these documents which turned the attention of the legal arm who acted for him to myself, for my uncle had left no will. The Californian firm communicated with lawyers in New York, and they began a series of very cautious inquiries, which at last resulted, after I had furnished certain proofs asked for, in my being declared heiress to my uncle’s estate.”

      “And how much did you get? How much did you get?” demanded Katherine.

      “I asked the lawyers from New York to deposit ten thousand dollars for me in the Sixth National Bank of this town, and they did so. It was to draw a little check against that deposit, and thus learn if it was real, that I went out to-day.”

      “Ten thousand dollars,” murmured Katherine, in accents of deep disappointment. “Is that all?”

      “Isn’t that enough?” asked Dorothy, with a twinkle in her eyes.

      “No, you deserve ten times as much, and I’m not going to New York or Boston at your expense to buy new dresses. Not likely! I will attend the ball in my calico.”

      Dorothy laughed quietly, and drew from the little satchel she wore at her side a letter, which she handed to Katherine.

      “It’s private and confidential,” she warned her friend.

      “Oh, I won’t tell any one,” said Katherine, unfolding it. She read eagerly half-way down the page, then sprang to her feet on the top of the table, screaming:

      “Fifteen million dollars! Fifteen million dollars!” and, swinging her arms back and forth like an athlete about to leap, sprang to the floor, nearly upsetting the little table, tray and all, as she embraced Dorothy Amhurst.

      “Fifteen millions! That’s something like! Why, mother, do you realize that we have under our roof one of the richest young women in the world? Don’t you see that the rest of this conference must take place in our drawing-room under the most solemn auspices? The idea of our keeping such an heiress in the attic!”

      “I believe,” said Sabina, slowly and coldly, “that Mr. Rockefeller’s income is—”

      “Oh, blow Mr. Rockefeller and his income!” cried the indignant younger sister.

      “Katherine!” pleaded the mother tearfully.

      CHAPTER III —ON DECK

      THROUGHOUT the long summer day a gentle excitement had fluttered the hearts of those ladies, young, or not so young, who had received invitations to the ball on board the “Consternation” that night. The last touches were given to creations on which had been spent skill, taste, and money. Our three young women, being most tastefully and fashionably attired, were in high spirits, which state of feeling was exhibited according to the nature of each; Sabina rather stately in her exaltation; Dorothy quiet and demure; while Katherine, despite her mother’s supplications, would not be kept quiet, but swung her graceful gown this way and that, practising the slide of a waltz, and quoting W. R. Gilbert, as was her custom. She glided over the floor in rhythm with her chant.

        “When I first put this uniform on

         I said, as I looked in the glass,

         ‘It’s one to a million

          That any civilian

          My figure and form will surpass.’”

      Meanwhile, in a room downstairs that good-natured veteran Captain Kempt was telling the latest stories to his future son-in-law, a young officer of the American Navy, who awaited, with dutiful impatience, the advent of the serene Sabina. When at last the ladies came down the party set out through the gathering darkness of this heavenly summer night for the private pier from which they were privileged, because of Captain Kempt’s official standing, to voyage to the cruiser on the little revenue cutter “Whip-poor-will,” which was later on to convey the Secretary of the Navy and his entourage across the same intervening waters. Just before they reached the pier their steps were arrested by the boom of a cannon, followed instantly by the sudden apparition of the “Consternation” picked out in electric light; masts, funnel and hull all outlined by incandescent stars.

      “How beautiful!” cried Sabina, whose young man stood beside her. “It is as if a gigantic racket, all of one color, had burst, and hung suspended there like the planets of heaven.”

      “It reminds me,” whispered Katherine to Dorothy, “of an overgrown pop-corn ball,” at which remark the two girls were frivolous enough to laugh.

      “Crash!” sounded a cannon from an American ship, and then the white squadron became visible in a blaze of lightning. And now all the yachts and other craft on the waters flaunted their lines of fire, and the whole Bay was illuminated like a lake in Fairyland.

      “Now,” said Captain Kempt with a chuckle, “watch the Britisher. I think she’s going to show us some color,” and as he spoke there appeared, spreading from nest to mast, a huge sheet of blue, with four great stars which pointed the corners of a parallelogram, and between the stars shone a huge white anchor. Cheers rang out from the crew of the “Consternation,” and the band on board played “The Star-Spangled Banner.”

      “That,” said Captain Kempt in explanation, “is the flag of the United States Secretary of the Navy, who will be with us to-night. The visitors have kept very quiet about this bit of illumination, but our lads got on to the secret about a week ago, and I’ll be very much disappointed if they don’t give ‘em tit for tat.”

      When the band on the “Consternation” ceased playing, all lights went out on the American squadron, and then on the flagship appeared from mast to mast a device with the Union Jack in the corner, a great red cross dividing the flag into three white squares. As this illumination flashed out the American band struck up the British national anthem, and the outline lights appeared again.

      “That,” said the captain, “is the British man-o’-war’s flag.”

      The “Whip-poor-will” speedily whisked the party and others across the sparkling waters to the foot of the grand stairway which had been specially constructed to conduct the elect from the tide to the deck. It was more than double as broad as the ordinary gangway, was carpeted from top to bottom, and on every step stood a blue-jacket, each as steady as if cast in bronze, the line forming, as one might say, a living handrail rising toward the dark sky.

      Captain Kempt and his wife went first, followed by Sabina and her young man with the two girls in their wake.

      “Aren’t those men splendid?” whispered Katherine to her friend. “I wish each held an old-fashioned torch. I do love a sailor.”

      “So do I,” said Dorothy, then checked herself,

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