"That is so sweet of you," she smiled, gratefully. "I always believed you were sweet, regardless of the fact that of late you have become so awful." "How's that?" he inquired, curiously. "Oh, I have been constrained to believe you are losing your mind. You have succeeded in criticising about everybody and everything, that pertains to the good colored people of this city." "Oh, Miss Palmer," he cried, looking hurt, "I have not criticised everybody and everything. I have only shown that I think a lot of the so-called good people are four-flushers and selfish creatures, with no real love for the race, nor any regard for the civic improvement of these black people. But I know lots of good, kind, sincere colored people in this town, that I am proud of as members of the race." "Come into the house," she invited, and presently they were seated in the parlor. At once Miss Palmer took up the discussion of society, and the buying of homes, which had reached a degree of impracticability among the colored people, notwithstanding the sound idea. All over the country, during this pilgrimage, Wyeth had witnessed this purchase idea with a mark of encouragement. And, to say that they were succeeding, was a fact that meant a great deal to their future welfare. Miss Palmer delighted always to discuss the buying of a home, and marrying. Another teacher was visiting her that day, and likewise shared her views. Wyeth did too, but he always had questions to ask, that sometimes made the discussion rather upset. Now he read the Negro paper, and had fearfully observed that an unusual and alarming amount of foreclosures was the order. In conversation with the numerous real estate dealers, he learned, moreover, that many of the attempts at purchasing, were foredoomed to failure when made; that to own a home, in a great many cases had become a fetish, and was, therefore, not based upon a practical consideration in the beginning. A very successful dealer, colored, had told him confidentially, that he sold many homes, and would have bet, if it had been expedient, that they would not be able to keep the payments up for a year. "How does so much of this come about?" he had inquired. "Notoriety. Too many people do not study, although they may have a liberal school training among our people. It's the great ambition of too many, to get into a home with the first object of being seen therein, to show to their friends and put on airs. They buy with no idea whatever as to value, liability or anything. They have simply stinted themselves until they have managed to save a few dollars, and desire to get into the biggest home possible, to be where they can be seen by their friends." "The rate of interest appears to be very high, I have observed," said he, by way of comment. The other looked at him meaningly, and then said: