elma felt nearly driven to distraction. all her future depended on the character which she was able to maintain at school. she did not, and she knew it, belong to the best class of girls who attended middleton school. elma's father was a man of bad reputation. he had long ago disgraced his family, and had been obliged to go to australia. mrs. lewis was better born than her husband; and when trouble came, a sister, who had been much shocked at her marrying lewis, came to her aid. she did not do much for her; but she did something. this sister, a certain mrs. steward, the wife of a clergyman in buckinghamshire, promised to look after elma, who was the cleverest and most presentable of the two girls. mrs. lewis begged that elma should not be taken away from her; and mrs. steward, angry with herself for what she termed her folly, had yet yielded to her sister's entreaties. she said she would give elma what would be better than a fortune—namely, a first-class education; and if, when her education was finished, she showed intelligence, and, above all, a good, sterling, moral character, she would do what she could to place her in life. her present intention was, after elma had gone through a course of instruction at middleton school, to send her to girton, thus enabling her by and by to take a really good position as teacher.

all these things elma knew well. she was an ambitious girl; she earnestly desired to secure a good position for herself in life. she hated her sister carrie's ways, and detested the grumbling, weak sort of character which she could not but see that her mother possessed. all the same, she was not really scrupulous nor high-principled; it was only that the little mean ways and the petty shifts which went on in the small house in constantine road sorely fretted her. her intercourse with girls like gwin harley and bessie challoner could not but raise her standard. carrie's manners and ways disgusted her more and more each day.

now, as she put on her hat and prepared to walk to harley grove, she could not help thinking, with great bitterness, of the unlooked-for calamity which had come upon her. she was naturally intensely selfish, and had no idea of sacrificing herself on this occasion. no matter to what subterfuge she must be obliged to stoop, she would never, never, let any of the middleton girls know that she had broken the rule of the school, and borrowed money from kitty. for a middleton girl to borrow money at all was a black crime; but for any one to take advantage of kitty's innocence, her naïveté, her wild, daring, reckless ways would make the crime all the blacker. elma, were such a sin to be discovered, would be, if not expelled from the school, which was extremely likely, at any rate tabooed on the spot by all the nice girls who went there. above all things, she longed for and esteemed popularity. such a course of treatment would be intolerable. as a matter of course, mrs. steward would be told of her niece's transaction. mrs. steward would say, "like father, like daughter." she would cease to patronize elma. the fees for her schooling would be withdrawn, and elma herself must sink to the level which carrie had long ago reached.

"it cannot be," she thought; "whatever happens, i must keep this miserable story from the ears of the girls and mistresses. at the present moment i am fairly safe. wild and reckless as kitty is, she would not dare to hold intercourse with any of the middleton girls now. alice is the only one allowed to speak to her, and alice she will certainly not confide in, for she so cordially hates her. yes, i know perfectly well what i am going to harley grove for. gwin is full of sympathy for kitty; so is bessie challoner. romantic and silly they both are; but alice at least will be on my side. i will oppose the petition which the tug-of-war girls intend to send to miss sherrard. kitty must not be set at liberty until i can return her the money. carrie has it, beyond doubt. what she has done with it i don't know; but most likely i shall be able to give it back to kitty to-morrow."

having made up her mind, elma walked briskly forward. she would she felt certain, be very unpopular if she opposed the vote which, unless she did something to prevent it, would be carried by the majority in kitty's favor. she was anxious to see some of the other tug-of-war girls. it was all-important that a majority should be against kitty, not for her.

when she arrived at the avenue which led to harley grove she met alice, and a moment later two other girls of the names of matilda and jessie forbes came pantingly up.

"oh, do wait for us," they cried, seeing elma and alice linger for a moment at the gate.

"alice," said elma, "before they join us i want to speak to you. are you for kitty, or against her?"

"how do you mean?" asked alice in some wonder.

"i mean, are you going to vote that this petition should be sent to miss

sherrard or are you not?"

"i am going to vote against it, of course," said alice, with a short laugh.

"well, i am on your side; i wish to say so."

"you, elma! i thought you would never oppose gwin harley. you are one of those people who know where their bread is buttered. why do you take my part on this occasion?"

"because," said elma, flushing deeply, for, hardened little sinner as she was, she had not perfect control over her emotions—"because i think kitty richly deserves what she has got. it would never do to have this sort of thing going on at the school. but look here, alice, if the petition is not to be sent to miss sherrard, we must try and have a majority on our side. why should we not secure matilda and jessie forbes?"

"i never thought of that," said alice; "but really, elma, now i come to consider it, as far as i personally am concerned, i don't much care. it matters very little to me whether kitty gets out of coventry or not. i shall have to speak to her however the tide turns. you do seem strangely eager on the subject."

"when i join a certain side i don't wish it to be the losing one," said elma, as calmly as she could. "hullo, matilda, how out of breath you are! you need not have run so fast; you could see that we were waiting for you."

"well, you see," said jessie forbes, who was also panting as she came up, "we have never yet been to harley grove. is it not a very grand place, elma? was it not kind of gwin to ask us, and—oh, of course, we are full of sympathy for that poor, dear kitty malone."

"why do you pity her?" asked elma coldly.

"because the poor darling didn't know any better. does it not seem silly to make such a fuss about such a trifle? i can't imagine why miss sherrard has been so very severe."

"i don't agree with you at all," said elma. "i think kitty richly deserves her punishment. of course," she added, "i don't want to be really hard on her; but unless she is made to feel shame when she does an outré and extraordinary thing like she did last night, she will go on doing similar deeds, and get the whole school into disgrace."

"oh dear, yes," said jessie, "that is perfectly true, and i should not like father to know that one of the middleton girls had been spoken to by a rude boy in the street. i really believe he would take us both from the school."

"if you think so," said elma, "you ought to oppose the petition."

"are you going to, elma?"

"certainly."

"but you are a friend of hers, are you not?"

"of course i am. i am very fond of her."

"and you oppose it for her good?"

"undoubtedly; altogether for her good."

"and miss sherrard does know what is right," said matilda, in a thoughtful voice. "miss sherrard was never a severe teacher. we all love her dearly."

"and she is very fond of kitty," said elma. "i know that for a fact."

"yes, and so do i know it to my cost," said alice shrugging her shoulders. she walked up the avenue as she spoke. jessie ran after her.

"what side are you going to take alice?" she asked.

"miss sherrard's," replied alice shortly.

meanwhile elma had slipped her hand gently through matilda's arm, and looking up into the face of the taller girl, said in her most insinuating voice:

"i do think, painful as it is, that we ought to take miss sherrard's side. gwin is so enthusiastic, poor dear, and so is bessie challoner, that they are certain to be led away by their feelings. now, miss sherrard is the most sympathetic and kindest of head-mistresses, she would not have given kitty so severe a punishment without reason."

"that is true," said matilda. "only, of course, you see, elma, i don't want to go against gwin. i am so terribly anxious to become her friend. i admire her so immensely. i don't think there's any other girl in the school to equal her."

"i should think there isn't," said elma with sudden warmth.

"i am sorry she has taken kitty malone's part—poor kitty! we certainly all think her charming; but if father were to hear of it!"

"you would not like him to take you from the school now," said elma, "just when you have such a good chance of the literature scholarship?"

"i should think not; it would be a dreadful blow. but he would be—oh, i cannot tell you how shocked he would be!"

"and he would be more shocked, would he not, if he heard that you had taken kitty's part, and had signed the petition against miss sherrard?"

"of course, i never thought of that. i declare elma, you are clever. i will mention what you say to jessie, and tell her that she must go against the petition."

elma felt that she had won her point. there would be at least four girls against gwin's motion, and probably others would follow their example.

when the girls arrived at the house, they were shown immediately into gwin's pretty private study. gwin was standing by the open window. she had a book in her hand, but was not reading it. she was looking anxiously out. there was a perplexed expression on her fine face, and her large deep gray eyes were full of emotion.

"i am so glad you have come," she said when she saw the girls. "i hope all the tug-of-war girls will be present. the more i think of this affair the more certain i am that it will be the ruin of kitty malone."

elma looked sympathizingly at her friend, alice frowned, matilda and

jessie did not know where to look, nor what to say. if they had not met

alice and elma they would have certainly gone heart and soul with gwin

in the matter.

"sit down, won't you, girls?" said gwin. "tea will be ready in a moment—are you not thirsty?"

"yes, it's a very hot day," said jessie, somewhat timidly.

"and you had a long walk; but it was really kind of you to come. we won't do anything until some more of the tug-of-war society arrive. but perhaps my letters have not reached the others."

"oh, i know the hodgsons are coming," said matilda forbes, "because i met them."

"i am glad of that. ah, and here is bessie."

bessie challoner at this moment entered the room. she shook hands with the forbes girls, whom she had not met before that day, nodded to alice, and going up to gwin began to whisper in her ear.

gwin looked more anxious.

"all the same i am determined to do it," she said.

"i am certain miss sherrard will be very angry," said bessie. "had you really better, gwin?"

"i certainly had better. i am not afraid of miss sherrard, nor twenty

miss sherrards, when i think i have a righteous cause. she does not know

kitty as well as i know her. ah, here you are," she said as, the

hodgsons, two rather dowdy, but affectionate girls, came quickly into

the room.

"what's this gwin?" cried mary, the elder; "something wrong with that

irish girl? what can be up?"

"i will explain everything to you after we have had tea. ah, here it comes!"

gwin walked to the table, where the footman now placed tea and cakes, and began to dispense the refreshments. the girls stood round her chatting, munching cake and drinking tea. the afternoon sun poured into the room. outside it was cool and shady. gwin went to the window and drew down the green venetian blinds.

"now, that is cooler," she said. "have you all had enough?"

"yes, thank you," answered one or two.

gwin rang the bell, and the servant came to remove the tea equipage.

"and now to business," said gwin. "what i briefly propose to do is this: kitty malone is in trouble. as a member of the tug-of-war society, the rest of the society is bound to support her. i am most anxious that she should get all the support in our power. she is not like any of us; she has been differently brought up. what she did last night was the result of impetuosity and overzeal. she was troubled about her brother, and for some extraordinary reason thought that elma could help her. elma, can you throw any light on the matter?"

"none whatever," answered elma in a stout voice.

"she went out with the college cap on and without her jacket, and for that reason some rough, rude boys talked to her, and she knocked one of them down in trying to defend herself, and so got into a terrible scrape. miss worrick, it seems, witnessed the transaction, and she told miss sherrard. miss sherrard was very much annoyed, and has put kitty into coventry for a week. we are none of us allowed, on pain of instant dismissal, to speak to her. now, my proposal is this; that we write a little petition, and each of us sign it, and then that i take it to miss sherrard. i want to ask miss sherrard to allow the members of the tug-of-war society to speak to kitty. i want to ask her to allow us all to do our best during her week's punishment to show her that this wild and erratic way will not go down in england; i want her to allow us to do our utmost by kindness to overcome kitty's wild nature. i have scarcely any doubt, girls, that miss sherrard will approve of our scheme."

"well, i for one approve of it most heartily," said bessie challoner. "i believe severity would ruin a girl like kitty. you cannot drive her; she must be led."

"thank you, bessie. i knew you would feel with me. and now, girls, i will put this thing to the vote. all who are in favor of the scheme hold up their hands."

the forbes girls looked tremblingly, with flushed cheeks and glittering eyes, at elma and alice. their hands went half up and then dropped again into their laps. it was the fear of their father's displeasure which prevented their going altogether with gwin. the hodson girls immediately held up their hands; but alice, elma, matilda, and jessie plainly showed that they did not mean to sign the petition.

"is this possible?" said gwin in a vexed voice. "i surely thought there was not—elma, you must be at the head of this. what is your reason for not joining us?"

alice looked as if she were about to speak; but elma jumped at once to her feet.

"i don't join you because i do not agree with you, dear gwin. i believe miss sherrard knows a great deal better than we do what is good for a girl. i am certain she will be much annoyed by our interfering; and for my part i think a week in coventry will do kitty malone no harm."

"i am surprised and disappointed in you, elma," said gwin, "alice, what is your feeling?"

"oh, i absolutely agree with elma," said alice. "i think it would be a rare comfort to take any means to subdue and crush out of sight, even for one week, that most obnoxious person kitty malone. the unfortunate part is that i shall have to do with her even during her week in coventry."

"but surely," said gwin, in some astonishment, "you two forbes girls can have nothing to say against kitty. it cannot injure you in any way that we should plead for the mitigation of her punishment."

"well, the fact is this," said jessie, standing up as she spoke, and looking very miserable. "father is most particular; he is almost faddy, you know, gwin—and if he ever heard that a girl from the school did exactly what kitty did last night—i mean that she went out so late against rules, and was dressed in such a queer way, and was obliged to knock down a rude boy in order to protect herself—why, i think he would take us from school. then if father also heard that we had gone against miss sherrard's authority, we—oh, i cannot say it exactly as i ought; but gwin, i would rather not sign that paper."

"all right," answered gwin in some vexation.

"then my scheme falls through. four against and four for. we have only one other member of the tug-of-war except poor kitty herself, and she, i am afraid, cannot come, as she is ill with a bad cold. well, i shall see miss sherrard alone and must take my chance."

"yes, if you please; that would be much the best plan," said jessie, sinking down into her seat with a sigh of relief.

soon afterward the little party at gwin harley's house separated. there was a feeling of restraint over them which gwin's guests seldom experienced. they were not at one. it was impossible to talk any longer on the subject with which their hearts were full. gwin was anxious to prepare the exact arguments she intended to use with miss sherrard. she looked relieved when elma made the first move of departure. alice jumped up also with alacrity.

"good-by gwin," she said. "i think you are doing wrong to interfered in this matter. a little punishment will do kitty malone no more harm than it does any other girl. of course it's not pleasant; punishment never is. good-by; take my advice and allow kitty malone to shift for herself."

gwin made no reply at all to this. she gave alice a cold nod, and the four girls who now formed the opposition left the house.

"good-by to all chance of my friendship with gwin," said jessie forbes rather miserably as they walked up the avenue.

"oh, never mind, jessie, you did the right thing," said alice. "what is the good of toadying? i hate toadies. if you are ever to become a friend of gwin harley's you will see that she hates them also, although, perhaps i am wrong to say that." here she glanced somewhat significantly at elma. elma colored and turned her head aside.

when they reached the top of the avenue the girls turned each to go their several ways. elma hurried home as fast as she could.

"i must get that money by hook or by crook this evening," she said to herself. "i wonder where carrie has hidden it. bad as she is, she would certainly not steal it from me. oh, it is safe of course, and i must get it and manage to convey it to kitty to-night, and then as far as i am concerned i don't care how soon the poor thing gets out of coventry."

when elma reached home the first person she saw was carrie. carrie was standing on the steps of the shabby little villa in constantine road talking to a fiery-haired young man.

elma never condescended to have anything to do with raynes. giving him a very cold nod now, she was about to enter the house when carrie caught her arm and stopped her.

"why don't you speak to sam?" she said. "sam, this is my sister, elma."

"how do you do?" said elma. "i am sorry i cannot wait now; i want to see mother."

"there's no use in your going in if it's mother you want," pursued carrie. "she has gone out for the evening. mrs. duncan has asked her to tea. i am glad of it. a little change will do her good."

"i won't keep you now, car," said raynes, turning to carrie and giving her a somewhat clumsy nod. he looked askance at elma, and the next moment had clattered down the steps, and, turning the corner, was out of sight.

"what a creature!" said elma. "i wonder you have anything to do with him, carrie. i think, even for my sake, seeing that aunt charlotte is doing so much for me—"

"now stop that," said carrie; "i won't have a word of abuse against sam. he suits me very well. i'm not a fine lady, and i never mean to be a fine lady. i shall be very comfortable as his wife some day, and i don't want you to abuse him. whether you like him or not, he is going to be your brother-in-law and—why, elma, how tired you look!"

"i am tired and worried, and i want to speak to you," said elma.

"to speak to me?" answered carrie, a little alarm coming into her voice in spite of herself. "what for? anything special? are you prepared to make me a present of another dress; i could do with a white one now the weather is getting so very hot, and sam would like me in white. white with pink ribbons would be a change, or mauve—mauve ribbons look so sweetly cool with white."

"i am not going to listen to any of your nonsense," said elma. "i want to ask you a straight question. where is my money?"

"your money? what do you mean?"

"what i say. i have heard the whole story from maggie, and i can bring her as a witness. you have put that money in hiding, and i want it at once. there, carrie, like a dear old soul, do own up. let me have the money without any more delay. of course you have not stolen it. i know you have not; but you have hidden it. i wish you would give it back now. if i can't return it to its rightful owner to-night i shall get into worse trouble. do let me have the money back."

carrie's face also now became pale.

"i wish i could," she said in a frightened voice. "do you mean to say that you really want it back?"

"why, of course. you haven't spent it? oh, if you have i am ruined—ruined for life."

"no, i have not spent it; but the fact is i—what a little wretch that

maggie was to tell!"

"she couldn't help herself; i made her. now, speak out, carrie. oh, we need not go indoors. where is the money? please, please, carrie, let me have it at once."

elma's troubled face, her trembling hands, the anxiety depicted all over her nervous little figure, could not but show carrie that there was something serious in the wind.

"well," she said, "i am awfully sorry. i—i just did it in a fit of mischief. i read that letter which kitty malone wrote to you, and it seemed to throw light on some of your actions which had puzzled me of late. i went to your drawer and found the money, and thought i would give it to sam to keep for you."

"to sam raynes?" cried elma, backing a few steps, her voice assuming a tone of terror.

"yes. do be careful, elma, or you'll fall right down into the area. why shouldn't i lend it to sam raynes?"

"lend it?"

"well, well, it's all the same; i asked him to keep it for me."

"i'll go to him at once and get it," said elma, preparing to run down the steps.

carrie caught her by the arm.

"i'm awfully sorry," she said, "but it's no use, he—he says we cannot have it for a week, perhaps a fortnight. he is doing a little deal with it, as he expresses it. he says perhaps we'll have it back doubled."

"what can you mean, carrie?" elma knew nothing whatever about speculation. that will-o'-the-wisp which leads so many astray had not yet entered into her life.

"you need not look so miserable. won't you like to have it back again, not seven pounds but fourteen? and sam says this will probably be the case in a week or a fortnight, or at any rate in a month from now."

elma threw up her hand in despair.

"if i have to wait a month for the money," she said, "i may as well never have it. oh carrie, what have you done? you have ruined me, ruined me! carrie, i cannot lead a low, common life like yours; i am not fit for it. oh, aunt charlotte will never do anything more for me after this. kitty wants the money, and i cannot give it to her. oh, carrie, to think that you should have ruined my life!"

poor elma covered her face with her trembling hands and went into the house. she entered the shabby little sitting-room and sank into the nearest chair. carrie stood near her in real perplexity and agitation.

"what a pity you didn't confide in me when you brought it home," she said. "of course i didn't really want to do you an ill turn, elma; but you were so sly and secretive, and—and i thought i would have my joke. you don't know how precious dull my life is; and when i saw that letter and felt that you were keeping a nice little hoard of money, all private and without the knowledge of your sister, it was just too much for me, and i took it to sam because i didn't know where to hide it safe in this house."

"the thing that matters," said elma, "is the fact that i cannot get it back. but i must get it; i must see sam raynes at once."

"tell me why it is so bad," said carrie. "you must confide the whole thing to me now. there's no use in keeping secrets from your sister."

thus adjured, and because she was almost distracted, poor elma did tell. she described as well as she could the terrible position she would be in at middleton school if the whole of this transaction were known. she managed to a certain extent to open carrie's eyes.

"although, i cannot see what they would be so angry about," said carrie. "you were offered the money and you accepted it. you never wanted to keep it; you would have given it back some time; and even if you did keep that irish girl out of it for a month, what would it have mattered? but there—i see you are in a state, and i am sure i don't want to ruin your life. you, with your high-faluting notions, must not have all your ambitions dashed to the ground. we'll go together to see sam, and try to find out what can be done."

"yes, let us go at once," said elma in feverish haste. "i wanted to take the money to kitty to-night. at present she cannot tell on me; but she is quite certain to do so if i don't return it to her at once. let us go down to see sam now."

"all right," answered carrie; "come along. i dare say we'll find him at home. i hope we shall."

five minutes later the girls were standing outside the door of the

raynes' very humble dwelling. it was opened by florrie raynes herself.

"hullo, carrie, what do you want now?" she cried. "oh, and miss lewis," with a mocking emphasis on the word "miss." "to what do we owe the honor of this visit?"

"i want to see your brother," said elma brusquely. "he has got some money of mine, which i must ask him to have the goodness to return at once."

"money?" said florrie, opening her eyes rather wide. "well, you can see him for yourselves; but if it's money that is lent to sam, i—i rather pity the girl who wants to get it back from him again. sam is a very whale on money. he always swallows it wholesale."

with these anything but encouraging words, florrie threw open the door of the shabby little smoking-room, where sam, with a pipe in his mouth, was lying at his ease. he started up when he saw the girls, removed his pipe, and going up to carrie, laid his hand familiarly on her shoulder.

"well, car, so you could not do without me," he said with a smile.

"the fact is this," answered elma, "my sister has told me that she gave you seven pounds a couple of nights ago to keep for her. that money happens to have been lent to me, and i want it back immediately. i have come for it. will you give it to me, please?"

sam drew in his breath preparatory to giving a long whistle.

"highty! tighty!" he cried. "you have very grand airs, miss elma lewis; but i didn't know that money was borrowed. ho! ho! this puts a very unpleasant complexion on things. when dear old car brought it to me i thought i might do what i liked with it. did you not give me to understand as much car?" here he gave carrie a perceptible wink. she was very much under his influence, and immmediately too her cue.

"well, yes, sam," she answered. "i did say you might speculate with it if you liked."

"of course you did, my little girl, and i took the hint and did speculate with it, and a pretty little deal i made. so if you have patience, miss elma, you will get your money back doubled, then you will be able to return the principal and have a nice little nest-egg of your own. now, what do you say to that? aren't you awfully obliged to me?"

"i say," replied elma, "that i want the money immediately. i cannot wait until you have doubled it, as you call it, whatever you mean by that. please let me have it at once, mr. raynes. i must have it, i——"

"i am afraid you ask for the impossible," said sam in a careless tone. "i have speculated with the money, and the returns will come in perhaps in a week, perhaps a fortnight, perhaps longer. i say again that you ought to be obliged to me. it is not every fellow who would take so much trouble."

poor elma gave him a despairing glance. there was evidently nothing more to be got out of him. she left the house without a word. carrie followed her into the street.

"oh elma, don't look so miserable," said carrie. "what is the good of sinking into despair?"

"don't talk to me," said elma, pushing her sister's hand away. "you have ruined me; that is the sort of sister you are. and i would have done anything for you, carrie. when i rose myself and improved myself in the social scale, when i got my post as teacher, i would have done all in my power to aid you and mother; but now—now we must all sink together. oh, carrie, to think that i should be ruined by my own sister!"