Mrs. Carlton speculated heavily. Practically every dollar of an enormous income was invested. Her daughter, wandering about the big estate made friends with a charming neighboring girl whom Mrs. Carlton, learning of the acquaintanceship, snobbishly insulted, advising her to stay to herself. Mrs. Carlton needed another hundred thousand dollars, or thought she did, which amounted to quite the same thing with her, the wealthy John Morton was sent for and the transaction negotiated, Mrs. Carlton giving her splendid residence as security. Going to his automobile, after the transaction, John Morton recognized his long forgotten niece in the doorway of the modest home next door. Recollections of his ill-treatment of her mother, swarmed to his mind, and John Morton knew that he was not far from his day of reckoning. He therefore entered the little garden and sought by the one means known to John Morton to, in a degree, make up for the neglect of her mother-he offered her a check. This she refused. Two months later John Morton passed into the great unknown and left all to the niece. This included the mortgage on the fashionable property of Mrs. Carlton next door. A time came when Mrs. Carlton’s mortgage fell due, and she was quite unable to meet it. Then came to her the news that the little neighbor next door whose companionship she had forbidden her daughter, was the present holder of the note. Mrs. Carlton had her hour of anguish. And then the little neighbor and, for the exchange of friendship with her daughter, offered Mrs. Carlton the mortgage. Needless to say Mrs. Carlton felt the exchange more keenly.