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If rich gold deposits had been discovered in Bursley Municipal Park, Cotterill would have owned a mining camp and amassed immense wealth; but unfortunately gold deposits were not discovered in the Park. Nobody knew his position; nobody ever does know the position of a speculative builder. He did not know it himself. There had been rumours, but they had been contradicted in an adequate way.

Nellie had announced a surprise for Denry as he entered the house, but Nellie's surprise for Denry, startling and successful though it proved, was as naught to the surprise which Mr Cotterill had in hand for Nellie, her mother, Denry, the town of Bursley, and various persons up and down the country. Mrs Cotterill came hysterically in upon the duologue between Denry and Ruth in the drawing-room.

Don't forget it's the most sensible kind of a house you've ever seen. Don't forget that Mrs Cotterill could run it without a servant and have herself tidy by ten o'clock in a morning."

The upraising of the Cotterill family from the social Hades of the steerage to the respectability of the second cabin had demanded all his energy, and a lot of Ruth's. Ruth kissed Mrs Cotterill and then Nellie. And Mrs Cotterill and Nellie acquired rank and importance for the whole voyage by reason of being kissed in public by a woman so elegant and aristocratic as Ruth Capron-Smith.

And they agreed that Mr Cotterill had got his deserts, and that, in its own interest, Canada was the only thing for the Cotterill family; and the sooner the better. People must accept the consequences of bankruptcy. Nothing could be done. "I think it's a pity Nellie should have to go," said Denry. "Oh! Do you?" replied Ruth. "Yes; going out to a strange country like that.

Anna Howard Shaw, the national president, and included Miss Katharine Devereux Blake, Miss Ida Craft and Miss Rosalie Jones of New York; Mrs. Antoinette Funk, Miss Jane Thompson, Miss Gratia Erickson and Miss Florence Lord of Chicago; Mrs. Root of Los Angeles. During May and June Mrs. Cotterill of Seattle, and during July and August Miss Margaret Hinchey of Boston, gave their time to labor unions.

"Yes, I shall, mother," Nellie insisted. "There is your father!" observed Mrs Cotterill, after listening. Footsteps crossed the hall, and died away into the dining-room. "I wonder why on earth father doesn't come in here. He must have heard us talking," said Nellie, like a tyrant crossed in some trifle.

Mrs Capron-Smith and Denry glanced at each other, and even Mrs Capron-Smith was at a loss for a moment. Then Ruth approached Mrs Cotterill and took her hand. Perhaps Mrs Capron-Smith was not so astonished after all. She and Nellie's mother had always been "very friendly." And in the Five Towns "very friendly" means a lot.

They had shown no dignity, no reserve, no discretion; and old Cotterill had been simply fatuous in his suggestion. As for Mrs Cotterill, she was completely overcome, and it was due solely to Ruth's calm, managing influence that Nellie, nervous and whimpering, had wound herself up to come and shut the front door after the guests. It was all very sad.

In addition to Denry, only one person had seen the madman, and that person was Nellie Cotterill, who had been viewing the half-built house with Denry one Sunday morning when the madman had most astonishingly arrived upon the scene, and after a few minutes vanished. The building of the house strengthened greatly the friendship between Denry and the Cotterills.