"At once Mrs. Smithson and Louisa found themselves the centre of an admiring throng of friends and relatives all eager to help them spend their money for their especial benefit; but Mrs. Smithson was shrewd enough not to allow herself to be exploited by those who in the past had never condescended to more than a bowing acquaintance with her. She turned her back on most of those sycophants, but at the same time she was determined to do the best for herself and for Louisa, and to this end she admitted into her councils her sister, Margaret Penny, who was saleswoman at a fashionable shop in London, and who immediately advised a journey up to town so that the question of clothes might at once be satisfactorily settled. "In addition to valuable advice on that score, this Miss Penny seems to have succeeded in completely turning her sister's head. Certain it is that Mrs. Smithson left Folkestone a quiet, sensible, motherly woman, and that she returned, six weeks later, an arrogant, ill-mannered parvenue, who seemed to think that the possession of a few thousand pounds entitled her to ride rough-shod over the feelings and sentiments of those who had less money than herself. "She began by taking a suite of rooms at the Splendide Hotel for herself, her daughter, and her maid. Then she sold her house in Warren Avenue, bought a car, and, though she and Louisa were of course in deep mourning, they were to be seen everywhere in wonderful Bond Street dresses and marvellous feathered hats. Finally, they announced their intention of spending the coming winter on the Riviera, probably Monte Carlo. "All this extravagant behaviour made some people smile, others shrugged their shoulders and predicted disaster: but there was one who suffered acutely through this change in the fortune of the Smithsons. This was Henry Carter, a young clerk employed in an insurance office in London. He and his brother were Folkestone men, sons of a local tailor in a very small way of business, who had been one of old Smithson's rare friends. The elder Carter boy had long since cut his stick and was said to be earning a living in London by free-lance journalism. The younger one, Henry, remained to help his father with the tailoring. He was a constant visitor in the little house in Warren Avenue, and presently became engaged to Louisa. There could be no question of an immediate marriage, of course, as Henry had neither money nor prospects. However, presently old Carter died, the tailoring business was sold for a couple of hundred pounds, and Henry went up to London to join his brother and to seek his fortune. Presently he obtained a post in an insurance office, but his engagement to Louisa subsisted: the young people were known to be deeply in love with one another, and Henry spent most weekends and all his holidays in Folkestone in order to be near his girl.