Near the middle of his second year at college the crash came and the half-dazed boy hurried home. His father was dead and the whole country was telling the stories of his great financial losses. Every dollar, every foot of land had been swept away by reverses arising from investments in Arizona mines. Captain James Van went down in the same disaster. When word reached his home of the suicide of John Sherrod, he was on his way to the barn with a pistol hidden over his heart. Horror and the awakening of courage made him cast the pistol aside and turn to face the blow as a brave man should, with his wife and child behind his back. Jud and Justine could not at first, and did not for many days, realize the force of the blow. One had lost father as well as home; the other had lost home and had sunk to a depth of poverty that grew more and more appalling as her young mind began to understand. The boy, when he finally grasped the situation, bared his arms and set forth to support himself and his mother by hard work. The shock of the suicide was too great for Mrs. Sherrod. Her reason fled soon after her husband was laid in the grave, but it was a year before death took her to him. During that last year of life she lived in the old place, a helpless invalid, mentally and physically, although the property belonged to another. David Strong held a mortgage on the home place, but he did not foreclose it until she was gone. For a year Jud cared for his mother, and worked in the fields with David Strong's men at wages of twelve dollars a month. Half of the year's crop Strong gave to the widow of John Sherrod, although not a penny's worth of it was hers by right. After her death Strong and his family moved into the big old house, and Jud Sherrod lived in a room in what had been his home. Justine Van's grandmother, in her will, left to the girl a thirty-acre piece of ground, half timber, half cultivated, about a mile from the white house in which the beneficiary was born and which was swallowed up by the great disaster. Bereft of every penny, James Van took his wife and daughter to the miserable little cottage. The girl shouldered as much of the burden of poverty as her young and tender shoulders could carry. She begged for an appointment as teacher in the humble schoolhouse where her a-b-abs had been learned, and for two years and a half before her marriage she had taught the little flock of boys and girls. Especially necessary did this means of earning a livelihood become when, two years after the failure, her father died. Then Mrs. Van followed him, and Justine, not nineteen, was face to face with the world, a trembling, guileless child.