When they reached the house, which was located in a rather somber, treeless street, Cowperwood was surprised to find the interior spacious and tastefully furnished. Presently Mrs. Carter, as she was generally known in society, or Hattie Starr, as she was known to a less satisfying world, appeared. Cowperwood realized at once that he was in the presence of a woman who, whatever her present occupation, was not without marked evidences of refinement. She was exceedingly intelligent, if not highly intellectual, trig, vivacious, anything but commonplace. A certain spirited undulation in her walk, a seeming gay, frank indifference to her position in life, an obvious accustomedness to polite surroundings took his fancy. Her hair was built up in a loose Frenchy way, after the fashion of the empire, and her cheeks were slightly mottled with red veins. Her color was too high, and yet it was not utterly unbecoming. She had friendly gray-blue eyes, which went well with her light-brown hair; along with a pink flowered house-gown, which became her fulling figure, she wore pearls. “The widow of two husbands,” thought Cowperwood; “the mother of two children!” With the Colonel’s easy introduction began a light conversation. Mrs. Carter gracefully persisted that she had known of Cowperwood for some time. His strenuous street-railway operations were more or less familiar to her. “It would be nice,” she suggested, “since Mr. Cowperwood is here, if we invited Grace Deming to call.” The latter was a favorite of the Colonel’s. “I would be very glad if I could talk to Mrs. Carter,” gallantly volunteered Cowperwood—he scarcely knew why. He was curious to learn more of her history. On subsequent occasions, and in more extended conversation with the Colonel, it was retailed to him in full.