Old 'Liza shied at something in the road, and Joe took a firmer hold on the reins. It turned his thoughts to the horse. She was getting old, too, and not as handy as she was. He noticed that she was getting winded with a heavy load. It was well on to ten years she had been their capital and the breadwinner of the house. Sometimes he thought that she missed Jim. If she was to leave them now, he wouldn't know what to do, for he couldn't raise the money to buy another horse nohow, as things were. Poor old 'Liza! He stroked her gray coat musingly with the point of his whip as he thought of their old friendship. The horse pointed one ear back toward her master and neighed gently, as if to assure him that she was all right. Suddenly she stumbled. Joe pulled her up in time, and throwing the reins over her back, got down to see what it was. An old horseshoe, and in the dust beside it a new silver quarter. He picked both up and put the shoe in the wagon. "They say it is luck," he mused, "finding horse-iron and money. Maybe it's my Christmas. Get up, 'Liza!" And he drove off to the ferry. * * * * * The glare of a thousand gas-lamps had chased the sunset out of the western sky, when Joe drove home through the city's streets. Between their straight mile-long rows surged the busy life of the coming holiday. In front of every grocery-store was a grove of fragrant Christmas trees waiting to be fitted into little green stands with fairy fences. Within, customers were bargaining, chatting, and bantering the busy clerks. Peddlers offering tinsel and colored candles waylaid them on the door-step. The rack under the butcher's awning fairly groaned with its weight of plucked geese, of turkeys, stout and skinny, of poultry of every kind. The saloon-keeper even had wreathed his door-posts in ground-ivy and hemlock, and hung a sprig of holly in the window, as if with a spurious promise of peace on earth and good-will toward men who entered there. It tempted not Joe. He drove past it to the corner, where he turned up a street darker and lonelier than the rest, toward a stretch of rocky, vacant lots fenced in by an old stone wall. 'Liza turned in at the rude gate without being told, and pulled up at the house. A plain little one-story frame with a lean-to for a kitchen, and an adjoining stable-shed, over-shadowed all by two great chestnuts of the days when there were country lanes where now are paved streets, and on Manhattan Island there was farm by farm. A light gleamed in the window looking toward the street. As 'Liza's hoofs were heard on the drive, a young girl with a shawl over her head ran out from some shelter where she had been watching, and took the reins from Joe. "You're late," she said, stroking the mare's steaming flank. 'Liza reached around and rubbed her head against the girl's shoulder, nibbling playfully at the fringe of her shawl.