"I was three years at Mills Seminary, with trips home, of course, and two years in New York; and then Dad went smash in a sugar plantation on Maui. The report of the engineers had not been right. Then Dad had built a railroad that was called 'Lackland's Folly,'--it will pay ultimately, though. But it contributed to the smash. The Pelaulau Ditch was the finishing blow. And nothing would have happened anyway, if it hadn't been for that big money panic in Wall Street. Dear good Dad! He never let me know. But I read about the crash in a newspaper, and hurried home. It was before that, though, that people had been dinging into my ears that marriage was all any woman could get out of life, and good-bye to romance. Instead of which, with Dad's failure, I fell right into romance." "How long ago w

