“The truth is, Margaret, that affair of Bigler and Small’s has come on me just when I couldn’t stand another ounce.  They have made another failure of it.  I might have known they would; and the sharpers, or fools, I don’t know which, have contrived to involve me for three times as much as the first obligation.  The security is in my hands, but it is good for nothing to me.  I have not the money to do anything with the contract.”

Ruth heard this dismal news without great surprise.  She had long felt that they were living on a volcano, that might go in to active operation at any hour.  Inheriting from her father an active brain and the courage to undertake new things, she had little of his sanguine temperament which blinds one to difficulties and possible failures.  She had little confidence in the many schemes which had been about to lift her father out of all his embarrassments and into great wealth, ever since she was a child; as she grew older, she rather wondered that they were as prosperous as they seemed to be, and that they did not all go to smash amid so many brilliant projects.  She was nothing but a woman, and did not know how much of the business prosperity of the world is only a, bubble of credit and speculation, one scheme helping to float another which is no better than it, and the whole liable to come to naught and confusion as soon as the busy brain that conceived them ceases its power to devise, or when some accident produces a sudden panic.

“Perhaps, I shall be the stay of the family, yet,” said Ruth, with an approach to gaiety; “When we move into a little house in town, will thee let me put a little sign on the door:  Dr. Ruth Bolton?”

“Mrs. Dr. Longstreet, thee knows, has a great income.”

“Who will pay for the sign, Ruth?” asked Mr. Bolton.

A servant entered with the afternoon mail from the office.  Mr. Bolton took his letters listlessly, dreading to open them.  He knew well what they contained, new difficulties, more urgent demands fox money.

“Oh, here is one from Philip.  Poor fellow.  I shall feel his disappointment as much as my own bad luck.  It is hard to bear when one is young.”

He opened the letter and read.  As he read his face lightened, and he fetched such a sigh of relief, that Mrs. Bolton and Ruth both exclaimed.

“Read that,” he cried, “Philip has found coal!”

The world was changed in a moment.  One little sentence had done it.  There was no more trouble.  Philip had found coal.  That meant relief.  That meant fortune.  A great weight was taken off, and the spirits of the whole household rose magically.  Good Money! beautiful demon of Money, what an enchanter thou art!  Ruth felt that she was of less consequence in the household, now that Philip had found Coal, and perhaps she was not sorry to feel so.