Two days after the Indian party at Andalusia, the excursion which Mrs. Kip had called a "boat-drive" came off. Horace Chase was still absent; he had telegraphed to his wife that he could not return before the last of the week. As all the preparations had been made, the excursion was not postponed on his account. Nor was there any reason why it should be. It was not given in honor of his wife, especially; Ruth, after sixteen months of marriage, could hardly be called a bride. In addition, the little winter colony had learned that an hour or two of their leisurely pleasure-making was about as much as this man of affairs could enjoy (some persons said "could endure"); after that his face was apt to betray a vague boredom, although it was evident that (with his usual careful politeness) he was trying to conceal it. Walter Willoughby, meanwhile, was making the best of an annoying situation. He had lost the chance of being introduced to David Patterson, and with it the opportunity of learning something definite, at last, about Chase's Californian interests, and this seemed to him a great misfortune. But there was no use in moaning over it; the course to follow was not still further to lose the five days of Chase's absence in sulking, but to employ them in the only profitable way that was left open (small profit, but better than nothing)--namely, in cementing still further a friendly feeling between himself and Chase's wife, that butterfly young wife who had been the cause of so many of his disappointments. "Every little helps, I suppose," he said to himself, philosophically. "And as the thing she likes best, apparently, is to go and keep going, why, I'll take her own pace and outrace her--the little gad-about!" For, to Walter's eyes, Ruth appeared very young; mentally unformed as yet, child-like. His adjective "little" could, in truth, only be applied to her in this sense, for in actual inches Mrs. Chase was almost as tall as he was. Walter was of medium height, robust and compact. He had a well-shaped, well-poised head, which joined his strong neck behind with no hollow and scarcely a curve. His thick, dark hair was kept very short; but, with his full temples and facial outlines, this curt fashion became him well. He was not called handsome, though his features were clearly cut and firm. His gray eyes were ordinarily rather cold. But when he was animated--and he was usually very animated--young Willoughby looked full of life. He was fond of pleasure, fond of amusement. But this did not prevent his possessing, underneath the surface, a resolute will, which he could enforce against himself as well as against others. He intended to enjoy life. And as, according to his idea, there could be no lasting enjoyment without freedom from the pinch of anxiety about material things, he also intended to get money--first of all to get money. "For a few years, while one is young, to have small means doesn't so much matter," he had told himself. "But