“I wish her bed hadn’t come down with her,” said Gilbert.  “We could never have afforded to get that water into the house, or had the little furnace, and I suppose, though no one of us ever thought of it, that you would have had a hard time doing the work in the winter in a cold house, and it would have been dreadful going to the pump.”

“Dreadful for you too, Gilly,” replied Kathleen pointedly.

“I shall be at school, where I can’t help,” said Gilbert.

Mrs. Carey made no remark, as she intended the fact that there was no money for Gilbert’s tuition at Eastover to sink gradually into his mind, so that he might make the painful discovery himself.  His fees had fortunately been paid in advance up to the end of the summer term, so the strain on their resources had not been felt up to now.

Nancy had disappeared from the room and now stood in the doorway.

“I wish to remark that, having said a good many disagreeable things about Cousin Ann, and regretting them very much, I have placed the four black and white marble ornaments on my bedroom mantelpiece, there to be a perpetual reminder of my sins.  You Dirty Boy is in a hundred pieces in the barn chamber, but if Cousin Ann ever comes to visit us again, I’ll be the one to confess that Gilly and I were the cause of the accident.”

“Now take your pencil, Nancy, and see where we are in point of income, at the present moment,” her mother suggested, with an approving smile.  “Put down the pension of thirty dollars a month.”

“Down.—­Three hundred and sixty dollars.”

“Now the hundred dollars over and above the rent of the Charlestown house.”

“Down; but it lasts only four years.”

“We may all be dead by that time.” (This cheerfully from Gilbert.)

“Then the interest on our insurance money.  Four per cent on five thousand dollars is two hundred; I have multiplied it twenty times.”

“Down.—­Two hundred.”

“Of course if anything serious happens, or any great need comes, we have the five thousand to draw upon,” interpolated Gilbert.

“I will draw upon that to save one of us in illness or to bury one of us,” said Mrs. Carey with determination, “but I will never live out of it myself, nor permit you to.  We are five,—­six, while Julia is with us,” she added hastily,—­“and six persons will surely have rainy days coming to them.  What if I should die and leave you?”

“Don’t, mother!” they cried in chorus, so passionately that Mrs. Carey changed the subject quickly.  “How much a year does it make, Nancy?”

“Three hundred and sixty plus one hundred plus two hundred equals six hundred and sixty,” read Nancy.  “And I call it a splendid big lump of money!”

“Oh, my dear,” sighed her mother with a shake of the head, “if you knew the difficulty your father and I have had to take care of ourselves and of you on five and six times that sum!  We may have been a little extravagant sometimes following him about,—­he was always so anxious to have us with him,—­but that has been our only luxury.”