the in-comings and outgoings of his family, arranged on a scale of reckless expenditure, which he felt entirely powerless to control.  Lillie’s wishes were importunate.  She was nervous and hysterical, wholly incapable of listening to reason; and the least attempt to bring her to change any of her arrangements, or to restrict any of her pleasures, brought tears and faintings and distresses and scenes of domestic confusion which he shrank from.  He often tried to set before her the possibility that they might be obliged, for a time at least, to live in a different manner; but she always resisted every such supposition as so frightful, so dreadful, that he was utterly discouraged, and put off and off, hoping that the evil day never might arrive.

But it did come at last.  One morning, when he received by mail the tidings of the failure of the great house of Clapham & Co., he knew that the time had come when the thing could no longer be staved off.  He was an indorser to a large amount on the paper of this house; and the crisis was inevitable.

It was inevitable also that he must acquaint Lillie with the state of his circumstances; for she was going on with large arrangements and calculations for a Newport campaign, and sending the usual orders to New York, to her milliner and dressmaker, for her summer outfit.  It was a cruel thing for him to be obliged to interrupt all this; for she seemed perfectly cheerful and happy in it, as she always was when preparing to go on a pleasure-seeking expedition.  But it could not be.  All this luxury and indulgence must be cut off at a stroke.  He must tell her that she could not go to Newport; that there was no money for new dresses or new finery; that they should probably be obliged to move out of their elegant house, and take a smaller one, and practise for some time a rigid economy.

John came into Lillie’s elegant apartments, which glittered like a tulip-bed with many colored sashes and ribbons, with sheeny silks and misty laces, laid out in order to be surveyed before packing.

“Gracious me, John! what on earth is the matter with you to-day?  How perfectly awful and solemn you do look!”

“I have had bad news, this morning, Lillie, which I must tell you.”

“Oh, dear me, John! what is the matter?  Nobody is dead, I hope!”

“No, Lillie; but I am afraid you will have to give up your Newport journey.”

“Gracious, goodness, John! what for?”

“To say the truth, Lillie, I cannot afford it.”

“Can’t afford it?  Why not?  Why, John, what is the matter?”

“Well, Lillie, just read this letter!”

Lillie took it, and read it with her hands trembling.

“Well, dear me, John!  I don’t see any thing in this letter.  If they have failed, I don’t see what that is to you!”

“But, Lillie, I am indorser for them.”

“How very silly of you, John!  What made you indorse for them?  Now that is too bad; it just makes me perfectly miserable to think of such things.  I know I should not have done so; but I don’t see why you need pay it.  It is their business, anyhow.”