The Crosses, mother and daughter, lived at Walham Green. The house was less pleasant than another which Mrs. Cross owned at Putney, but it also represented a lower rental, and poverty obliged them to take this into account. When the second house stood tenantless, as had now been the case for half a year, Mrs. Cross' habitually querulous comment on life rose to a note of acrimony very afflictive to her daughter Bertha. The two bore as little resemblance to each other, physical or mental, as mother and child well could. Bertha Cross was a sensible, thoughtful girl, full of kindly feeling, and blest with a humorous turn that enabled her to see the amusing rather than the carking side of her pinched life. These virtues she had from her father. Poor Cross, who supplemented a small income from office routine by occasional comic journalism, and even wrote a farce (which brought money to a theatrical manager), made on his deathbed a characteristic joke. He had just signed his will, and was left alone with his wife. "I'm sure I've always wished to make your life happy," piped the afflicted woman. "And I yours," he faintly answered; adding, with a sad, kind smile, as he pointed to the testamentary document, "Take the will for the deed." The two sons had emigrated to British Columbia, and Bertha would not have been sorry to join her brothers there, for domestic labour on a farm, in peace and health, seemed to her considerably better than the quasi-genteel life she painfully supported. She had never dreamt of being an artist, but, showing some facility with the pencil, was sent by her father to South Kensington, where she met and made friends with Rosamund Elvan. Her necessity and her application being greater than Rosamund's, Bertha before long succeeded in earning a little money; without this help, life at home would scarcely have been possible for her. They might, to be sure, have taken a lodger, having spare rooms, but Mrs. Cross could only face that possibility if the person received into the house were "respectable" enough to be called a paying guest, and no such person offered. So they lived, as no end of "respectable" families do, a life of penury and seclusion, sometimes going without a meal that they might have decent clothing to wear abroad, never able to buy a book, to hear a concert, and only by painful sacrifice able to entertain a friend. When, on a certain occasion, Miss Elvan passed a week at their house (Mrs. Cross approved of this friendship, and hoped it might be a means of discovering the paying guest), it meant for them a near approach to starvation during the month that ensued.