“Thank you, child—­thank you.  Here is something for your bank, and good luck to it.”

As he spoke, the old man laid a bright gold dollar in her hand, patted the rosy cheek, and vanished in a cloud of dust, leaving Marjorie so astonished at the grandeur of the gift, that she stood looking at it as if it had been a fortune.  It was to her; and visions of pink calico gowns, new grammars, and fresh hat-ribbons danced through her head in delightful confusion, as her eyes rested on the shining coin in her palm.

Then, with a solemn air, she invested her first money by popping it down the chimney of the scarlet mansion, and peeping in with one eye to see if it landed safely on the ground-floor.  This done, she took a long breath, and looked over the railing, to be sure it was not all a dream.  No; the wheel marks were still there, the brown water was not yet clear, and, if a witness was needed, there sat the big frog again, looking so like the old gentleman, with his bottle-green coat, speckled trousers, and twinkling eyes, that Marjorie burst out laughing, and clapped her hands, saying aloud,—­

“I’ll play he was the Brownie, and this is the good-luck penny he gave me.  Oh, what fun!” and away she skipped, rattling the dear new bank like a castanet.

When she had told granny all about it, she got knife and basket, and went out to dig dandelions; for the desire to increase her fortune was so strong, she could not rest a minute.  Up and down she went, so busily peering and digging, that she never lifted up her eyes till something like a great white bird skimmed by so low she could not help seeing it.  A pleasant laugh sounded behind her as she started up, and, looking round, she nearly sat down again in sheer surprise, for there close by was a slender little lady, comfortably established under a big umbrella.

“If there were any fairies, I’d be sure that was one,” thought Marjorie, staring with all her might, for her mind was still full of the old story; and curious things do happen on birthdays, as every one knows.

It really did seem rather elfish to look up suddenly and see a lovely lady all in white, with shining hair and a wand in her hand, sitting under what looked very like a large yellow mushroom in the middle of a meadow, where, till now, nothing but cows and grasshoppers had been seen.  Before Marjorie could decide the question, the pleasant laugh came again, and the stranger said, pointing to the white thing that was still fluttering over the grass like a little cloud,—­

“Would you kindly catch my hat for me, before it blows quite away?”

Down went basket and knife, and away ran Marjorie, entirely satisfied now that there was no magic about the new-comer; for if she had been an elf, couldn’t she have got her hat without any help from a mortal child?  Presently, however, it did begin to seem as if that hat was bewitched, for it led the nimble-footed Marjorie such a chase that the cows stopped feeding to look on in placid wonder; the grasshoppers vainly tried to keep up, and every ox-eye daisy did its best to catch the runaway, but failed entirely, for the wind liked a game of romps, and had it that day.  As she ran, Marjorie heard the lady singing, like the princess in the story of the Goose-Girl,—­