But she would learn! She would learn! She would ask her mother that very day to initiate her into the fascinating secrets of personal economies, teach her how to portion out her quarterly allowance between her wardrobe, club dues, charities, even her private automobile. This last heroic suggestion was her own, and although her husband protested he finally agreed; it was well she should learn just what it cost to be a woman of fashion in San Francisco, and the allowance was very generous. His old steward, Mannings, ran the household, although as he went through the form of laying the bills before his little mistress on the third of every month, she knew that the upkeep of the San Francisco house and the Burlingame villa ran into a small fortune a year. "It is not that I am threatened with financial disaster," Ruyler had said to her. "But San Francisco has not recovered yet, and it is impossible to say just when she will recover. I want to be absolutely sure of my expenditures." She had promised vehemently, and, as far as he knew, she had kept her promise. He had received no more bills, and it was obvious that her haughty chauffeur was paid on schedule time, until, seized with another economical spasm, she sold her car and bought a small electric which she could drive herself. Ruyler, little as he liked his mother-in-law, was intensely grateful to her for the dexterity with which she had adjusted Helene's mind to the new condition. She even taught her how to keep books in an elemental way and balanced them herself on the first of every month. As Helene Ruyler had a mind as quick and supple as it was cultivated in _les graces_, she soon ceased to feel the chafing of her new harness, although she did squander the sum she had reserved for three months mere pocket money upon a hat; which was sent to the house by her wily milliner on the first day of the second quarter. She confessed this with tears, and her husband, who thought her feminine passion for hats adorable, dried her tears and took her to the opening night of a new play. But he did not furnish the pathetic little gold mesh bag, and as he made her promise not to borrow, she did not treat her friends to tea or ices at any of the fashionable rendezvous for a month. Then her native French thrift came to her aid and she sold a superfluous gold purse, a wedding present, to an envious friend at a handsome bargain.