How astonished Marietta would have been if she could have known that the little lady in the chariot was wishing that she were a little girl with a hoop! For even when she was very small Julia Ward had other trials besides the red hair. Nowadays, people realize that red-gold hair is a true "crowning glory," but it wasn't the style to like it in 1825, at the time this story begins. So little Julia's mother tried her best to tone down the bright color with sobering washes and leaden combs. One day, however, the child heard a visitor say, "Your little girl is very beautiful; her hair is pretty, too, with that lovely complexion." Eagerly Julia climbed upon a chair and then on the high, old-fashioned dressing-table, so that she could gaze in the mirror to her heart's content. "Is that all?" she cried after a moment, and scrambled down, greatly disappointed. Eliza and Marietta would have been truly amazed if they had known that the little queen of the splendid coach had very little chance for the good times that a child loves. In these days I really believe that people would pity her and say, "Poor little rich girl!" She was brought up with the greatest strictness. There were many lessons,--French, Latin, music, and dancing--for she must have an education that would fit her to shine in her high station. When she went out for an airing, it was always in the big coach, "like a little lady." There was never a chance for a hop-skip-and-jump play-hour. Her delicate cambric dresses and kid slippers were only suited to sedate indoor ways, and even when she was taken to the sea-shore for a holiday, her face was covered with a thick green veil to keep her fair skin from all spot and blemish. Dignity and Duty were the guardian geniuses of Julia Ward's childhood. Her father, Samuel Ward, was a rich New York banker, with a fine American sense of _noblesse oblige_. He believed that a man's wealth and influence spell strict accountability to his country and to God, and he lived according to that belief. He believed that as a banker his most vital concern was not to make himself richer and richer, but to manage money matters in such a way as to serve his city and the nation as a whole. In those times of financial stress which came to America in the early part of the nineteenth century, his heroic efforts more than once enabled his bank to weather a financial storm and uphold the credit of the State. On one occasion his loyalty and unflagging zeal secured a loan of five million dollars from the Bank of England in the nick of time to avert disaster. "Julia," cried her brother, who had just come in from Wall Street, "men have been going up and down the office stairs all day long, carrying little wooden kegs of gold on their backs, marked 'Prime, Ward & King' and filled with English gold!"