Janet Bagley had not been able to afford much joy, but when things were at their worst she had not wept. She had been calm. She had taken what inexpensive pleasures she could secure--the health of her daughter, the strength of her arms to earn a living, the cunning of her mind to make a dollar do the work of five. She had learned that there was no bargain that was not worth investigating; the shoddiest goods were worth owning at a price; the least attractive prospect had to be faced and understood, for any commodity becomes a bargain when the price is right. There was no room for laziness or indulgence in her life. There was also no room for panic. So Janet Bagley thought for a moment, and then said: "Tell me what you're talking about, James." James Holden said immediately: "I am Charles Maxwell. That is, 'Charles Maxwell' is a pen name. He has no other existence." "But--" "But it's true, Mrs. Bagley," the boy said earnestly. "I'm only eight years old, but I happen to be earning my own living--as a writer, under the name of, among others, Charles Maxwell. Perhaps you've looked up some of the 'Charles Maxwell' books? If so, you may have seen some of the book reviews that were quoted on the jackets--I remember one that said that Charles Maxwell writes as though he himself were a boy, with the education of an adult. Well, that's the fact of the case." Mrs. Bagley said slowly, "But I did look Mr. Max--I mean, I did look you up. There was a complete biographical sketch in _Woman's Life_. Thirty-one years old, I remember." "I know. I wrote it. It too was fiction." "You wrote--but why?" "Because I was asked to write it," said James. "But, well--what I mean, is--Just who is Mr. Maxwell? The man at the station said something about a hermit, but--" "The Hermit of Martin's Hill is a convenient character carefully prepared to explain what might have looked like a very odd household," said James Holden. "Charles Maxwell, the Hermit, does not exist except in the minds of the neighbors and the editors of several magazines, and of course, the readers of those pages." "But he wrote me himself." The bewildered woman paused. "That's right, Mrs. Bagley. There's absolutely nothing illegal about a writer's using a pen name. Absolutely nothing. Some writers become so well-known by their pseudonym that they answer when someone calls them. So long as the writer isn't wanted by the F.B.I. for some heinous crime, and so long as he can unscramble the gobbledygook on Form 1040, stay out of trouble, pay his rent, and make his regular contributions to Social Security, nobody cares what name he uses." "But where are your parents? Have you no friends? No legal guardian? Who handles your business affairs?"