‘Oh, doesn’t it?  Just you try one and see.’

‘But no one can know that it is lined with silk.’

’When I rustle into a room, dear, every woman in it knows that my skirt is lined with silk.’

Frank felt that he had ventured out of his depth, so he struck out for land again.

‘There’s only one economy which I don’t think is justifiable,’ said he, ’and that is, to cut down your subscriptions to charities.  It is such a very cheap way of doing things.  Not that I do much in that line—­too little, perhaps.  But to say that because we want to economise, therefore some poor people are to suffer, is a very poor argument.  We must save at our own expense.’

So now Frank, in his methodical fashion, had all his results tabulated upon his sheet of foolscap.  It was not a very brilliant production, but it might serve as a chart for the little two-oared boats until a better one is forthcoming.  It ran in this way —

Maxims for the Married

1.  Since you are married, you may as well make the best of it.

2.  So make some maxims and try to live up to them.

3.  And don’t be discouraged if you fail.  You will fail, but perhaps you won’t always fail.

4.  Never both be cross at the same time.  Wait your turn.

5.  Never cease to be lovers.  If you cease, some one else may begin.

6.  You were gentleman and lady before you were husband and wife.  Don’t forget it.

7.  Keep yourself at your best.  It is a compliment to your partner.

8.  Keep your ideal high.  You may miss it, but it is better to miss a high one than to hit a low one.

9.  A blind love is a foolish love.  Encourage the best in each other’s nature.

10.  Permanent mutual respect is necessary for a permanent mutual love.  A woman can love without respect, but a man cannot.

11.  The tight cord is the easiest to snap.

12.  Let there be one law for both.

13.  There is only one thing worse than quarrels in public.  That is caresses.

14.  Money is not essential to happiness, but happy people usually have enough.

15.  So save some.

16.  The easiest way of saving is to do without things.

17.  If you can’t, then you had better do without a wife.

18.  The man who respects his wife does not turn her into a mendicant.  Give her a purse of her own.

19.  If you save, save at your own expense.

20.  In all matters of money, prepare always for the worst and hope for the best.

Such was their course as far as this ambitious young couple could lay it.  They may correct it by experience, and improve it by use, but it is good enough to guide them safely out to sea.

CHAPTER X—­CONFESSIONS