Two years before this story opens, when Ruth was eighteen, an event happened which brought Ruth, who had just graduated from high school, face to face with the stern realities of life. Her father was at this time president of the bank where he had worked for twenty years. Through careful economy he had become the principal stockholder. Ruth had noticed for several weeks that her father was nervous and worried. One night he was called out of bed and had a conference with Dick Watson, his cashier, and Jim Stover, the president of Wilford Springs Central State Bank. The next morning after this conference her father told her that Stover was helping him out of a little difficulty he was having in his banking business. That morning Stover took charge of the Ranchmen's Bank of Zala. The same afternoon her father was hurt in an automobile accident. He was seriously injured, and for a time his life was despaired of. He had partially recovered from the injury, but with his memory destroyed to the extent that he could remember nothing that had transpired before the accident. When Ruth inquired about the business she was told by Stover that he had bought her father's bank stock for twenty thousand dollars. She found a balance of only twelve hundred dollars to her father's credit. Stover informed her that her father had been in debt to him in the sum of twenty thousand dollars and that he had taken the stock to accommodate him. He showed her the assignment which her father had made. Most of the twelve hundred dollars was spent for hospital fees and doctor bills. When her father was brought home, unable still to take up active work and with his memory gone, Ruth found herself confronted with the problem of how to earn a living for herself and family. After consulting with Mr. Stover, she decided to take a stenographic course in a business college. In order to provide the money to do this she sold the home in Zala and moved with her father and aunt (who, since the death of her mother, had been their housekeeper) to Wilford Springs where there was a good business college. As she must husband her resources she felt it would be advisable to rent a residence and live at home; another consideration was her father's condition. She could not bring herself to the point where she was willing to leave him in Zala with her aunt; besides, after disposing of the home, she concluded that the expense of living in Wilford Springs with the family all together would not be as great as if part were to remain at Zala. After a year in business college she felt qualified for a position. It was imperative that she get employment as soon as possible as her finances were getting low again.