North Villa had not been given up, though they did move to Islip. Jacob Chandler held a long lease of it, and he sub-let it for three or four years. At the end of that period it occurred to Mrs. Jacob that she should like to keep it for herself, as a sort of country house to retire to at will. As she was the grey mare, this was done; though Jacob grumbled. So North Villa was furbished up, and some new furniture put into it; and the garden, a very nice one, improved: and Mrs. Jacob, with one or other or all three of her daughters, might be frequently seen driving her pony-carriage with its handsome ponies between North Villa and Islip, streamers flying, ribbons fluttering: you would have taken it for a rainbow coming along. The girls were not bad-looking, played and sang with open windows loud enough to frighten the passers-by, and were given to speak to one another in French at table. "Voulez-vouz donner-moi la sel, Clementina?" "Voulez-vous passer-moi le moutarde, Georgiana?" "Voulez-vous envoyer-moi les poivre, Julietta?" For, as Mrs. Jacob would have told you, they had learnt French at school; and to converse in it was of course only natural to themselves, and most instructive to any visitor who might chance to be present. Added to these advantages Mrs. and the Miss Chandlers adored dress, their out-of-door toilettes being grander than a queen's. All this: the two houses and the company received in them; the ponies and the groom; the milliners' bills and the dress-makers', made a hole in Jacob Chandler's purse. Not too much of a hole in one sense of the word; Jacob took care of that: but it prevented him from putting by all the money he wished. He made plenty of it: more than the world supposed. In this manner matters had gone on since the departure of George Chandler for Canada. Mrs. Chandler living quietly in her home making it a happy one for her son Tom, and treasuring George's letters from over the sea: Mrs. Jacob Chandler and her daughters keeping the place alive; Valentine getting to be a very fine gentleman indeed; old Jacob sticking to business and pocketing his gains. The first interruption came in the shape of a misfortune for Mrs. Chandler. She lost a good portion of her money through a calamity that you have heard of before--the bursting-up of Clement Pell. It left her with very little, save the hundred and fifty pounds a-year paid to her regularly by Jacob. Added to this was the hundred a-year Tom earned, and which his uncle had not increased. And this brings us down to the present time, when Tom was four-and-twenty.