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things at loose ends--always had a mighty neat vessel, and had the name of makin' his crews toe the mark. I honestly b'lieve it come of us bein' on shore and runnin' the shebang on a share and share alike idee. If there'd been a skipper, a feller to boss things, we'd have done better, but when all hands was boss--nobody felt like doin' anything. Then, too, we begun too old. A feller gits sort of sot in his ways, and it's hard to give in to the other chap.

"Now, take that marryin' idee," he went on. "I laughed at that a good deal at fust and didn't really take any stock in it, but Iguess 'twas real hoss sense, after all. Anyhow, it brought you down here, and what we'd done without you when John was took sick, _I_ don't know. I haven't said much about it, but I've felt enough, and I know the other fellers feel the same way. You've been so mighty good and put up with so many things that must have fretted you like the nation, and the way you've managed--my!"The whole-souled admiration in the Captain's voice made the housekeeper blush like a girl.

"Don't say a word, Cap'n Eri," she protested. "It's been jest a pleasure to me, honest. I've had more comfort and--well, peace, you might say, sence I've been in this house than I've had afore for years.""When I think," said the Captain, "of what we might have got for that advertisement, I swan it makes my hair curl. Advertisin' that way in that kind of a paper, why we might have had a--a play actress, or I don't know what, landed on us. Seems 's if there was a Providence in it: seems 's if you was kind of SENT--there!""I don't know what you must think of me answerin' an advertisement for a husband that way. It makes me 'shamed of myself when I think of it, I declare. And in that kind of a paper, too.""I've wondered more times than a few how you ever got a hold of that paper. 'Tain't one you'd see every day nat'rally, you know."Mrs. Snow paused before she answered. Then she said slowly, "Well, I'm s'prised you ain't asked that afore. I haven't said much about myself sence I've been here, for no p'tic'lar reason that I know of, except that there wasn't much to tell and it wasn't a very interestin' yarn to other folks. My husband's name was Jubal Snow--""You don't say!" exclaimed the Captain. "Why, Jerry used to know him.""I shouldn't wonder. Jubal knew a lot of folks on the Cape here.

He was a good husband--no better anywheres--and he and I had a good life together long as he was well. I've sailed a good many v'yages with him, and I feel pretty nigh as much at home on the water as Ido on land. Our trouble was the same that a good many folks have;we didn't cal'late that fair weather wouldn't last all the time, that's all.

"It wasn't his fault any more than 'twas mine. We saved a little money, but not enough, as it turned out. Well, he was took down sick and had to give up goin' to sea, and we had a little place over in Nantucket, and settled down on it. Fust along, Jubal was able to do a little farmin' and so on, and we got along pretty well, but by and by he got so he wa'n't able to work, and then 'twas harder. What little we'd saved went for doctor's bills and this, that, and t'other. He didn't like to have me leave him, so Icouldn't earn much of anything, and fin'lly we come to where somethin' had to be done right away, and we talked the thing over and decided to mortgage the house. The money we got on the mortgage lasted until he died.

"He had a little life insurance, not enough, of course, but a little. He was plannin' to take on more, but somehow it never seemed as if he could die, he so big and strong, and we put it off until he got so he couldn't pass the examination. When the insurance money come I took it to Jedge Briar, a mighty good friend of Jubal's and mine and the one that held the mortgage on the house, and I told him I wanted to pay off the mortgage with it, so's I'd have the house free and clear. But the Jedge advised me not to, said the mortgage was costin' me only six per cent., and why didn't I put the money where 'twas likely to be a good investment that would pay me eight or ten per cent.? Then I'd be makin' money, he said. I asked him to invest it for me, and he put it into the Bay Shore Land Company, where most of his own was.""Sho! I want to know!" broke in the Captain. "He did, hey! Well, I had some there, too, and so did Perez. Precious few fam'lies on the Cape that didn't.""Yes, he thought 'twas the safest and best place he knew of. The officers bein' sons of Cape people and their fathers such fine men, everybody said 'twas all right. I got my dividends reg'lar for a while, and I went out nussin' and did sewin' and got along reel well. I kept thinkin' some day I'd be able to pay off the mortgage and I put away what little I could towards it, but then _I_ was took sick and that money went, and then the Land Company went up the spout."The Captain nodded. The failure of the company had brought poverty to hundreds of widows. Mrs. Snow's case was but another instance.