"Girls don't generally appreciate their brothers, I believe. If I had a sister, I presume she would like you better than me." Roland dropped Andy at his father's gate. It may be said here that Mr. Grant owned a farm of fifty acres, that yielded him a comfortable living when supplemented by the interest on three thousand dollars invested in government bonds. On the farm was a house of moderate size which had always been a pleasant home to Andy and his little brother Robert, generally called Robbie. Andy opened the gate and walked up to the front door, valise in hand. The house and everything about it seemed just as it did when he left at the beginning of the school term. But Andy looked at them with different eyes. Then he had been in good spirits, eager to return to his school work. Now something had happened, he did not yet know what. Mrs. Grant was in the back part of the house, and Andy was in the sitting room before she was fully aware of his presence. Then she came in from the kitchen, where she was preparing supper. Her face seemed careworn, but there was a smile upon it as she greeted her son. "Then you got my telegram?" she said. "I didn't think you would be here so soon." "I started at once, mother, for I felt anxious. What has happened? Are you all well?" "Yes, thank God, we are in fair health, but we have met with misfortune." "What is it?" "Nathan Lawrence, cashier of the bank in Benton, has disappeared with twenty thousand dollars of the bank's money." "What has that to do with father? He hasn't much money in that bank." "Your father is on Mr. Lawrence's bond to the amount of six thousand dollars." "I see," answered Andy, gravely, "How much will he lose?" "The whole of it." This, then, was what had happened. To a man in moderate circumstances, it must needs be a heavy blow. "I suppose it will make a great difference?" said Andy, inquiringly. "You can judge. Your father's property consists of this farm and three thousand dollars in government bonds. It will be necessary to sacrifice the bonds and place a mortgage of three thousand dollars on the farm." "How much is the farm worth?" "Not over six thousand dollars." "Then father's property is nearly all swept away." "Yes," said his mother, sadly. "Hereafter he will receive no help from outside interest, and will, besides, have to pay interest on a mortgage of three thousand dollars, at six per cent." "One hundred and eighty dollars." "Yes." "Altogether, then, it will diminish our income by rather more than three hundred dollars." "Yes, Andy." "That is about what my education has been costing father," said Andy, in a low voice. He began to see how this misfortune was going to affect him. "I am afraid," faltered Mrs. Grant, "that you will have to leave school." "Of course I must," said Andy, speaking with a cheerfulness which he did not feel. "And in place of going to college I must see how I can help father bear this burden."