A young woman hurried out of one of the apartments to greet Howard. She was a vivacious brunette of medium height, intelligent looking, with good features and fine teeth. It was not a doll face, but the face of a woman who had experienced early the hard knocks of the world, yet in whom adversity had not succeeded in wholly subduing a naturally buoyant, amiable disposition. There was determination in the lines above her mouth. It was a face full of character, the face of a woman who by sheer dint of dogged perseverance might accomplish any task she cared to set herself. A smile of welcome gleamed in her eyes as she inquired eagerly:

"Well, dear, anything doing?"

Howard shook his head for all response and a look of disappointment crossed the young wife's face.

"Say, that's tough, ain't it?" she exclaimed. "The janitor was here again for the rent. He says they'll serve us with a dispossess. I told him to chase himself, I was that mad."

Annie's vocabulary was emphatic, rather than choice. Entirely without education, she made no pretense at being what she was not and therein perhaps lay her chief charm. As Howard stooped to kiss her, she said reproachfully:

"You've been drinking again, Howard. You promised me you wouldn't."

The young man made no reply. With an impatient gesture he passed on into the flat and flung himself down in a chair in the dining room. From the adjoining kitchen came a welcome odor of cooking.

"Dinner ready?" he demanded. "I'm devilish hungry."

"Yes, dear, just a minute," replied his wife from the kitchen. "There's some nice Irish stew, just what you like."

The box-like hole where Howard sat awaiting his meal was the largest room in a flat which boasted of "five and bath." There was a bedroom of equally diminutive proportions and a parlor with wall paper so loud that it talked. There was scarcely enough room to swing a cat around. The thin walls were cracked, the rooms were carpetless. Yet it showed the care of a good housekeeper. Floors and windows were clean, the cover on the table spotless. The furnishings were as meagre as they were ingenious. With their slender purse they had been able to purchase only the bare necessities—a bed, a chair or two, a dining-room table, a few kitchen utensils. When they wanted to sit in the parlor they had to carry a chair from the dining room; when meal times came the chairs had to travel back again. A soap box turned upside down and neatly covered with chintz did duty as a dresser in the bedroom, and with a few photographs and tacks they had managed to impart an Æsthetic appearance to the parlor. This place cost the huge sum of $25 a month. It might just as well have cost $100 for all Howard's ability to pay it. The past month's rent was long overdue and the janitor looked more insolent every day. But they did not care. They were young and life was still before them.

Presently Annie came in carrying a steaming dish of stew, which she laid on the table. As she helped Howard to a plate full she said: "So you had no luck again this morning?"

Howard was too busy eating to answer. As he gulped down a huge piece of bread, he growled:

"Nothing, as usual—same old story, nothing doing."

Annie sighed. She had been given this answer so often that it would have surprised her to hear anything else. It meant that their hard hand-to-mouth struggle must go on. She said nothing. What was the use? It would never do to discourage Howard. She tried to make light of it.

"Of course it isn't easy, I quite understand that. Never mind, dear. Something will turn up soon. Where did you go? Whom did you see? Why didn't you let drink alone when you promised me you would?"

"That was Coxe's fault," blurted out Howard, always ready to blame others for his own shortcomings. "You remember Coxe! He was at Yale when I was. A big, fair fellow with blue eyes. He pulled stroke in the 'varsity boat race, you remember?"

"I think I do," replied his wife, indifferently, as she helped him to more stew. "What did he want? What's he doing in New York?"

"He's got a fine place in a broker's office in Wall Street. I felt ashamed to let him see me low down like this. He said that I could make a good deal of money if only I had a little capital. He knows everything going on in Wall Street. If I went in with him I'd be on Easy Street."

"How much would it require?"

"Two thousand dollars."

The young wife gave a sigh as she answered:

"I'm afraid that's a day dream. Only your father could give you such an amount and you wouldn't go to him, would you?"

"Not if we hadn't another crust in the house," snapped Howard savagely. "You don't want me to, do you?" he asked looking up at her quickly.

"No, dear," she answered calmly. "I have certainly no wish that you should humble yourself. At the same time I am not selfish enough to want to stand in the way of your future. Your father and stepmother hate me, I know that. I am the cause of your separation from your folks. No doubt your father would be very willing to help you if you would consent to leave me."

Howard laughed as he replied:

"Well, if that's the price for the $2,000 I guess I'll go without it. I wouldn't give you up for a million times $2,000!"

Annie stretched her hand across the table.

"Really," she said.

"You know I wouldn't Annie," he said earnestly. "Not one second have I ever regretted marrying you—that's honest to God!"

A faint flush of pleasure lit up the young wife's face. For all her assumed lightheartedness she was badly in need of this reassurance. If she thought Howard nourished secret regrets it would break her heart. She could stand anything, any hardship, but not that. She would leave him at once.

In a way she held herself responsible for his present predicament. She had felt a deep sense of guilt ever since that afternoon in New Haven when, listening to Howard's importunities and obeying an impulse she was powerless to resist, she had flung aside her waitress's apron, furtively left the restaurant and hurried with him to the minister who declared them man and wife.

Their marriage was a mistake, of course. Howard was in no position to marry. They should have waited. They both realized their folly now. But what was done could not be undone. She realized, too, that it was worse for Howard than it was for her. It had ruined his prospects at the outset of his career and threatened to be an irreparable blight on his entire life. She realized that she was largely to blame. She had done wrong to marry him and at times she reproached herself bitterly. There were days when their union assumed in her eyes the enormity of a crime. She should have seen what a social gulf lay between them. All these taunts and insults from his family which she now endured she had foolishly brought upon her own head. But she had not been able to resist the temptation. Howard came into her life when the outlook was dreary and hopeless. He had offered to her what seemed a haven against the cruelty and selfishness of the world. Happiness for the first time in her life seemed within reach and she had not the moral courage to say "No."

If Annie had no education she was not without brains. She had sense enough to realize that her bringing up or the lack of it was an unsurmountable barrier to her ever being admitted to the inner circle of Howard's family. If her husband's father had not married again the breach might have been crossed in time, but his new wife was a prominent member of the smart set, a woman full of aristocratic notions who recoiled with horror at having anything to do with a girl guilty of the enormity of earning her own living. Individual merit, inherent nobility of character, amiability of disposition, and a personal reputation untouched by scandal—all this went for nothing—because unaccompanied by wealth or social position. Annie had neither wealth or position. She had not even education. They considered her common, impossible. They were even ready to lend an ear to certain ugly stories regarding her past, none of which were true. After their marriage, Mr. Jeffries, Sr., and his wife absolutely refused to receive her or have any communication with her whatsoever. As long, therefore, as Howard remained faithful to her, the breach with his family could never be healed.

"Have some more stew, dear," she said, extending her hand for her husband's plate.

Howard shook his head and threw down his knife and fork.

"I've had enough," he said despondently. "I haven't much appetite."

She looked at him with concern.

"Poor boy, you're tired out!"

As she noted how pale and dejected he appeared, her eyes filled with sympathetic tears. She forgot the appalling number of cigarettes he smoked a day, nor did she realize how abuse of alcohol had spoiled his stomach for solid food.

"I wish I knew where to go and get that $2,000," muttered Howard, his mind still preoccupied with Coxe's proposition. Lighting another cigarette, he leaned back in his chair and lapsed into silence.

Annie sat and watched him, wishing she could suggest some way to solve the problem that troubled him. She loved her husband with all her heart and soul. His very weakness of character endeared him the more to her. She was not blind to his faults, but she excused them. His vices, his drinking, cigarette smoking and general shiftlessness were, she argued, the result of bad associates. He was self-indulgent. He made good resolutions and broke them. But he was not really vicious. He had a good heart. With some one to watch him and keep him in the straight path, he would still give a good account of himself to the world. She was confident of that. She recognized many excellent qualities in him. They only wanted fostering and bringing out. That was why she married him. She was a few years his senior; she felt that she was the stronger mentally. She considered it was her duty to devote her life to him, to protect him from himself and make a man of him.

It was not her fault, she mused, if she were not a lady. Literally brought up in the gutter, what advantages had she had? Her mother died in childbirth and her father, a professional gambler, abandoned the little girl to the tender mercies of an indifferent neighbor. When she was about eight years old her father was arrested. He refused to pay police blackmail, was indicted, railroaded to prison and died soon after in convict stripes. There was no provision for Annie's maintenance, so at the age of nine she found herself toiling in a factory, a helpless victim of the brutalizing system of child slavery which in spite of prohibiting laws still disgraces the United States. Ever since that time she had earned her own living. The road had often been hard, there were times when she thought she would have to give up the fight, other girls she had met had hinted at an easier way of earning one's living, but she had kept her courage, refused to listen to evil counsel and always managed to keep her name unsullied. She left the factory to work behind the counter in a New York dry goods store. Then about a year ago she drifted to New Haven and took the position of waitress at the restaurant which the college boys patronized.

Robert Underwood was among the students who came almost every day. He made love to her from the start, and one day attempted liberties which she was prompt to resent in a way he did not relish. After that he let her alone. She never liked the man. She knew him to be unprincipled as well as vicious. One night he brought Howard Jeffries to the restaurant. They seemed the closest of cronies and she was sorry to see what bad influence the elder sophomore had over the young freshman, to whom she was at once attracted. Every time they came she watched them and she noticed how under his mentor Howard became more hardened. He drank more and more and became a reckless gambler. Underwood seemed to exercise a baneful spell over him. She saw that he would soon be ruined with such a man as Underwood for a constant companion. Her interest in the young student grew. They became acquainted and Howard, not realizing that she was older than he, was immediately captivated by her vivacious charm and her common-sense views. They saw each other more frequently and their friendship grew until one day Howard asked her to marry him.

While she sometimes blamed herself for having listened too willingly to Howard's pleadings, she did not altogether regret the step she had taken. It was most unfortunate that there must be this rupture with his family, yet something within told her that she was doing God's work—saving a man's soul. Without her, Howard would have gone swiftly to ruin, there was little doubt of that. His affection for her had partly, if not wholly, redeemed him and was keeping him straight. He had been good to her ever since their marriage and done everything to make her comfortable. Once he took a position as guard on the elevated road, but caught cold and was forced to give it up. She wanted to go to work again, but he angrily refused. That alone showed that he was not entirely devoid of character. He was unfortunate at present and they were poor, but by dint of perseverance he would win out and make a position for himself without his father's help. These were their darkest days, but light was ahead. As long as they loved each other and had their health what more was necessary?

"Say, Annie, I have an idea," suddenly blurted out Howard.

"What is it, dear?" she asked, her reveries thus abruptly interrupted.

"I mean regarding that $2,000. You know all about that $250 which I once lent Underwood. I never got it back, although I've been after him many times for it. He's a slippery customer. But under the circumstances I think it's worth another determined effort. He seems to be better fixed now than he ever was. He's living at the Astruria, making a social splurge and all that sort of thing. He must have money. I'll try to borrow the $2,000 from him."

"He certainly appears to be prosperous," replied Annie. "I see his name in the newspapers all the time. There is hardly an affair at which he is not present."

"Yes," growled Howard; "I don't see how he does it. He travels on his cheek, principally, I guess. His name was among those present at my stepmother's musicale the other night." Bitterly he added: "That's how the world goes. There is no place for me under my father's roof, but that blackguard is welcomed with open arms!"

"I thought your father was such a proud man," interrupted Annie. "How does he come to associate with people like Underwood?"

"Oh, pater's an old dolt!" exclaimed Howard impatiently. "There's no fool like an old fool. Of course, he's sensible enough in business matters. He wouldn't be where he is to-day if he weren't. But when it comes to the woman question he's as blind as a bat. What right had a man of his age to go and marry a woman twenty years his junior? Of course she only married him for his money. Everybody knows that except he. People laugh at him behind his back. Instead of enjoying a quiet, peaceful home in the declining years of his life, he is compelled to keep open house and entertain people who are personally obnoxious to him, simply because that sort of life pleases his young wife."

"Who was she, anyway, before their marriage?" interrupted Annie.

"Oh, a nobody," he replied. "She was very attractive looking, dressed well and was clever enough to get introductions to good people. She managed to make herself popular in the smart set and she needed money to carry out her social ambitions. Dad—wealthy widower—came along and she caught him in her net, that's all!"

Annie listened with interest. She was human enough to feel a certain sense of satisfaction on hearing that this woman who treated her with such contempt was herself something of an intriguer.

"How did your stepmother come to know Robert Underwood?" she asked. "He was never in society."

"No," replied Howard with a grin. "It was my stepmother who gave him the entrÉe. You know she was once engaged to him, but broke it off so she could marry Dad. He felt very sore over it at the time, but after her marriage he was seemingly as friendly with her as ever—to serve his own ends, of course. It is simply wonderful what influence he has with her. He exercises over her the same fascination that he did over me at college. He has sort of hypnotized her. I don't think it's a case of love or anything like that, but he simply holds her under his thumb and gets her to do anything he wants. She invites him to her house, introduces him right and left, got people to take him up. Everybody laughs about it in society. Underwood is known as Mrs. Howard Jeffries' pet. Such a thing soon gets talked about. That is the secret of his successful career in New York. As far as I know, she's as much infatuated with him as ever."

A look of surprise came into Annie's face. To this young woman, whose one idea of matrimony was steadfast loyalty to the man whose life she shared and whose name she bore, there was something repellent and nauseating in a woman permitting herself to be talked about in that way.

"Doesn't your father object?" she asked.

"Pshaw!" laughed Howard. "He doesn't see what's going on under his very nose. He's too proud a man, too sure of his own good judgment, to believe for a moment that the woman to whom he gave his name would be guilty of the slightest indiscretion of that kind."

Annie was silent for a minute. Then she said:

"What makes you think that Underwood would let you have the money?"

"Because I think he's got it. I obliged him once in the same way myself. I would explain to him what I want it for. He will see at once that it is a good thing. I'll offer him a good rate of interest, and he might be very glad to let me have it. Anyhow, there's no harm trying."

Annie said nothing. She did not entirely approve this idea of her husband trying to borrow money of a man in whom his stepmother was so much interested. On the other hand starvation stared them in the face. If Howard could get hold of this $2,000 and start in the brokerage business it might be the beginning of a new life for them.

"Well, do as you like, dear," she said. "When will you go to him?"

"The best time to catch him would be in the evening," replied Howard.

"Well, then, go to-night," she suggested.

Howard shook his head.

"No, not to-night. I don't think I should find him in. He's out every night somewhere. To-night there's another big reception at my father's house. He'll probably be there. I think I'll wait till to-morrow night. I'm nearly sure to catch him at home then."

Annie rose and began to remove the dishes from the table. Howard nonchalantly lighted another cigarette and, leaving the table, took up the evening newspaper. Sitting down comfortably in a rocker by the window, he blew a cloud of blue smoke up in the air and said:

"Yes, that's it—I'll go to-morrow night to the Astruria and strike Bob Underwood for that $2,000."