This remark merely caused Jane to sneer slightly, but what she heard next filled her heart with terrified foreboding, for another girl had turned to look at her and replied: "Well, if she's who I think she is, her father's already gone bankrupt, and she's poor enough, all right." The working girls then moved to another part of the ferry and Jane was left alone. It was ridiculous, of course. Her father could not lose his vast fortune. Jane determined to think no more about it. The ferry had reached its destination, and the proud girl hurried away. Never before had she so longed to reach her home. "Of course it is not true," her panicky thought kept repeating. "But what could it mean? What could it mean?" * * * * * * * * Jane vowed to herself that she would not again think of what the spiteful working girl had said, for how could she, a mere nobody, have information concerning the affairs of a man of her father's standing, which Jane, his own daughter, did not have? But a disquieting thought reminded her that the working girl's face had been familiar, and then memory recalled that she had seen her in the very building on Wall Street where Mr. Abbott's offices were located. Jane's troubled reverie was interrupted by a joyous exclamation, and her brother, who was three years her senior and a head taller, leaped from the crowd and held out both hands. His greeting was so enthusiastic, his expression so radiant, that the girl was convinced that all was well with their father, and so she said nothing of what she had heard. It was not until they were seated on the train and had started for Edgemere that Jane noticed how pale and thin was her brother's face, and, when his eager flow of conversation was interrupted by a severe coughing spell, the girl exclaimed with real concern, "Why, Brother Dan, what a terrible cold you have! You ought to be in bed." The boy's smile was reassuring. "Don't worry about that cough, sis," he said lightly. "Now the grind is over, it will let up, I'm thinking. But it surely has stuck closer than a postage stamp. Caught it weeks ago, but I've been so busy, well, doing things, that I haven't had time to coddle myself." Suddenly the lad's expression became very serious, and turning, he placed a thin hand, that was far too white, lovingly on his sister's as he said: "Jane, dear, some changes have taken place in our home since you went back to Highacres last Christmas. For Dad's sake try to bear them bravely." Then it was true, true, all that this dreadful working girl had said. For a moment the girl's whole being surged with self-pity, then she felt cold and hard. What right had their father to lose his fortune and bring disgrace and privation upon his family? In a voice that sounded most unfeeling, she asked, "And just what may those changes be?"