"So far neither of you has said a word." "Neither has Ruth made any remarks," replied Anne.

"Why don't you ask her?
I think she has something to say on the subject." All eyes were immediately turned on Ruth, who flushed, looked almost distressed, then said slowly, "Could the girls who asked for help borrow the money and return it as soon as they were able ?" "Of course," responded Arline.

"Don't be afraid that you are going to have charity thrust upon you, Ruth." "That would be the only basis on which we could establish a society of that kind," commented Miriam.

"An Overton girl would hesitate to make use of the money except as a loan." "What would we call ourselves ?" asked Elfreda abruptly.
"We can decide on a name later," said Arline.

"The thing to decide now is, shall we or shall we not form this society?
Answer yes or no ?" "Yes," was the chorus.
"Don't you think," said Grace after a slight deliberation, "that it would be nicer if we could finance this society ourselves, instead of asking our fathers and mothers for money?
It isn't any particular effort for most of us to write home for money.