not care for the responsibility of a luxury so tempting to thieves, and for which they had no innate predilection; they were more than willing to pay a reasonable sum for ancestral decorations upon state occasions, and to dine from artistic plated ware meanwhiles. Not but that there was a sufficiency of solid bullion to be seen on many a San Francisco table, and there were several golden services in the city; but rich people have all sorts of economical kinks, and Miss Montgomery found this one profitable. Another thing, no doubt, that had contributed to her success, was the business-like attitude she had assumed as soon as she felt herself a professional. She accompanied her refections to the kitchen door, although the front was always open to her, and philosophically pocketed the customary tip. And she had struggled valiantly against becoming an embittered old maid; in the main, had succeeded. To the world, at least, she rarely turned a scowl, and she had never lost a friend. But there were times when she hated her parents. Since Isabel's return she had had more than one rebellious hour, for Isabel had taken her life in both hands, snapped her fingers at restraints and small conventions, and, so far, at least, had made good. And the younger girl's development, to one that had known her always, was extraordinary. On the other hand, she exulted in the prospect of a member of the old set coming prominently to the front once more. She had spent a week with Isabel at Old Inn, and received a certain measure of confidence. She hoped that Isabel would really make a fortune, and urged her to follow Gwynne's example and put up a modern building on her San Francisco property. Money was easy to raise, for change and improvement possessed San Franciscans like an epidemic, and few but were not anxious to convert "South of Market Street" into a great business district. Although she was grateful to the new people, particularly Ada Hofer, who, to use the lady's own expression "made things hum," in her heart she disliked the breed, and deeply resented the fact that the old set, even those by no means impoverished, to-day formed little more than a background. They were to be seen everywhere, they were still a power in a way, but they were by no means prosilient. Therefore, as she sat in the old dark dining-room on Russian Hill and listened to Isabel's praise of the interest that Hofer and his set took in the political and artistic regeneration of the city, she was moved to break out tartly: