In the first place, she _was_ a lady; and she was young and pretty, though a widow. Her husband had been the Honourable Richard Fitzpatrick, the scapegrace son of a penniless Irish viscount. "Dishonourable Dick," as he was sometimes nicknamed behind his back, had gone to California to make his fortune, had naturally failed, but had succeeded in marrying an exceedingly pretty girl, an orphan, with ten thousand pounds of her own. He had brought her to England, had spent most of her money on the race-course, and would have spent the rest, had it not occurred to him that it would be good sport to do a little fighting in South Africa. He had volunteered, and soon after died of enteric. Meanwhile, the Honourable Mrs. Fitzpatrick was at a boarding-house in Woburn Place, where the landlord and landlady were so kind to her that she gladly lent them several hundred pounds, not knowing yet that she had only a few other hundreds left out of her little fortune. Suddenly the blow fell. Within three days Marian Fitzpatrick learned that she was a widow, that her dead husband had employed the short interval of their married life in getting rid of almost everything she had; and that, her landlord and landlady being bankrupt, she could not hope for the return of the three-hundred-pound loan she had made them. It was finally arranged, as the best thing to be done, that she should take over the lease of the boarding-house and try to get back what she had lost, by "running" the establishment herself. Mrs. Fitzpatrick had just shouldered this somewhat incongruous burden, when Joan Carthew had been attracted to the house by the brightness of the gilt lettering over the door, and the pretty, fresh curtains in the windows. Joan was nineteen, and Marian Fitzpatrick twenty-three. The two had been drawn to one another with the first meeting of their eyes. When, after a few weeks’ acquaintance, the girl had been told the young widow’s story, her interest and sympathy were keenly aroused, for Joan’s heart was not hard except to the rich, most of whom she conceived to be less deserving, if more fortunate, than herself. Now, when she came back fresh from her triumphant campaign on the _Côte d’Azur_, to hear that things had gone from bad to worse, all the latent chivalry in her really generous nature was aroused. Joan was tall as a young goddess brought up on the heights of Olympus, instead of at a French boarding-school. Despite the hardships and wretchedness of her childhood, she was strong in body and mind and spirit, with the strength of perfect nerves and a splendid vitality. Marian Fitzpatrick, broken by disappointment, and worn by months of anxiety, was fragile and white as a lily which has been bent by savage storms, and the sight of her small, pale face and big, sad, brown eyes fired the girl with an almost fierce determination to assume the _rôle_ of protector.