When reminded, Charlotte admitted that she had herself said so about the Cow Club at B----. She had told many people how the cottagers at B----, were now saved from all danger of ruin by the loss of a cow--a loss fatal to so many cottagers elsewhere. The farmers at B----, who could ill afford to lose from nine pounds to fifteen pounds at a stroke by the death of a cow, had joined with the cottagers in setting up a Cow Life-insurance. The club employed a skillful cow-doctor. The members paid in a small portion of the weekly profits of their milk-selling; and had the comfort of knowing that, whenever their cow died, they would be supplied with another, or with a part of the value of one, according to the length of time, or the yearly amount they had paid. Charlotte admitted that she had been delighted with the scheme, but now asserted that she was much more pleased about the Quakers and their ship. "Ha! Quakers?" said Mr. Ellison. Yes; those Quakers, now, were the sort of people whom Charlotte admired. So unworldly! so trusting! There was a rich India ship, belonging to some Quakers, lately wrecked in the Channel, very near her port. The whole cargo was lost. It had been a total loss to the owners, because their principles would not allow them to insure--to put themselves out of the hands of Providence, and speculate in "the stormy winds fulfilling his word." That had been their statement; and was there not something very beautiful in it? Charlotte looked at her father for an answer. "Tell me, first, my dear," he replied, "whether you admire Tasker, the shoemaker, for refusing to have his children vaccinated, saying that it was taking them out of the hands of the Lord?" Charlotte could not think of poor little Mary Tasker, disfigured and half blind, and not wish that she had been vaccinated; and yet Tasker had acted in a resigned spirit. "Well: exactly as much as you admire Tasker, I admire your Quakers. I honor their motive, but I am sorry for their mistake--sorry that they refuse one safeguard against worldliness." "Worldliness, papa!"